Mountain America Credit Union

Nestled in the heart of South Salt Lake, the Mountain America branch at 3028 S State St is your friendly neighborhood credit union committed to supporting your financial journey. Open Monday through Friday from 9:00 a.m. to 6:00 p.m., this welcoming location offers convenient drive-thru banking and ATM access, making everyday transactions like deposits, withdrawals, and balance checks easy and efficient. Whether you're looking for some of the best auto loans to get behind the wheel of your dream car or exploring low mortgage rates to make homeownership more affordable, Mountain America South Salt Lake delivers competitive rates and personalized service tailored just for you.
Beyond vehicle financing and mortgage solutions, members enjoy a full range of personal banking services including rewarding credit cards, flexible personal loans ideal for debt consolidation, plus business banking options designed to help local entrepreneurs thrive. With robust online and mobile banking platforms, managing your money anytime is seamless and secure.
Experience community-focused financial care combined with top-tier auto loans and mortgage lending at Mountain America South Salt Lake. Visit us today or call 385-425-7332 to discover how we can help you unlock your financial potential!

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
home equity
10-year fixed home equity loan
7.24 %
0.8 Yrs
home equity
12-year fixed home equity loan
7.74 %
1 Yrs
home equity
15-year fixed home equity loan
8.24 %
1.2 Yrs
heloc
Home equity line of credit
8.25 %
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
FIXED
15-year fixed mortgage
5.625 %
5.838 %
15.0 Yrs
CONVENTIONAL
FIXED
10-year fixed mini mortgage
5.74 %
5.74 %
10.0 Yrs
CONVENTIONAL
FIXED
20-year fixed mortgage
6.125 %
6.297 %
20.0 Yrs
CONVENTIONAL
FIXED
12-year fixed mini mortgage
6.24 %
6.24 %
12.0 Yrs
CONVENTIONAL
FIXED
30-year fixed mortgage
6.49 %
6.623 %
30.0 Yrs
CONVENTIONAL
FIXED
15-year fixed mini mortgage
6.74 %
6.74 %
15.0 Yrs
CONVENTIONAL
FIXED
15-year fixed mortgage
5.625 %
5.838 %
15.0 Yrs
CONVENTIONAL
FIXED
20-year fixed mortgage
5.99 %
6.161 %
20.0 Yrs
CONVENTIONAL
ADJUSTABLE
7/6 adjustable rate mortgage
6.25 %
6.861 %
7.0 Yrs
CONVENTIONAL
ADJUSTABLE
5/6 adjustable rate mortgage
6.25 %
6.98 %
5.0 Yrs
CONVENTIONAL
FIXED
30-year fixed mortgage
6.49 %
6.623 %
30.0 Yrs
CONVENTIONAL
ADJUSTABLE
7/6 first-time homebuyer adjustable rate mortgage
7.0 %
7.296 %
7.0 Yrs
CONVENTIONAL
FIXED
40-year first-time homebuyer with 15-year balloon
7.125 %
7.328 %
40.0 Yrs
CONVENTIONAL
ADJUSTABLE
10/6 adjustable rate mortgage
7.25 %
7.389 %
10.0 Yrs
CONVENTIONAL
FIXED
Construction loan
7.25 %
7.933 %
30.0 Yrs
CONVENTIONAL
FIXED
100% first-time-homebuyer
7.5 %
7.684 %
40.0 Yrs
CONVENTIONAL
FIXED
20-year lot loan with 7-year balloon
7.625 %
8.088 %
20.0 Yrs
CONVENTIONAL
FIXED
15-year fixed second mortgage
7.75 %
8.038 %
15.0 Yrs
CONVENTIONAL
FIXED
30-year fixed second mortgage with 15-year balloon
8.0 %
8.216 %
30.0 Yrs
CONVENTIONAL
FIXED
20-year fixed second mortgage
8.25 %
8.488 %
20.0 Yrs
CONVENTIONAL
FIXED
10-year lot loan
8.25 %
8.783 %
10.0 Yrs
JUMBO
FIXED
30-year jumbo
6.5 %
6.609 %
30.0 Yrs
JUMBO
FIXED
15-year jumbo
7.0 %
7.183 %
15.0 Yrs
JUMBO
FIXED
20-year jumbo
7.625 %
7.776 %
20.0 Yrs
VA
FIXED
15-year VA
5.5 %
5.989 %
15.0 Yrs
VA
FIXED
30-year VA
5.99 %
6.287 %
30.0 Yrs
FHA
FIXED
15-year FHA
5.25 %
6.108 %
15.0 Yrs
FHA
FIXED
30-year FHA
5.875 %
6.705 %
30.0 Yrs
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
New & used
5.74 % - 5.99 %
5 Yrs - 6 Yrs
Recreational
Large RV
7.99 %
15 Yrs
Recreational
Boat loan
7.99 %
15 Yrs
Recreational
Small RV/ATV
7.99 % - 8.24 %
5 Yrs - 6 Yrs

Introduction

Welcome to Mountain America, where your financial well-being is our top priority. Located conveniently at 3028 S State St, South Salt Lake, UT 84115, we have been proudly serving our community since 1936. With over 1,295,749 members and total assets exceeding $20,276,595,321, we are committed to providing personalized banking solutions that truly make a difference in the lives of our members. At Mountain America, we understand that each member has unique financial goals and challenges. That's why we offer a wide range of services tailored to meet your needs from checking and savings accounts to auto loans and mortgages. Whether you're looking to finance your dream car or save for the future, our dedicated team is here to help you every step of the way. While members can visit us at our branch location, official correspondence should be sent to 3028 S State St, South Salt Lake, UT 84115-3833. Our friendly staff, led by CEO Sterling Nielsen and Board President Scott Burt, is always available to assist you. You can reach us at 385-425-7332 during our operating hours: Monday through Friday from 9:00 AM to 6:00 PM. With total deposits amounting to $2,498,647,369 and a robust net worth of $1,866,422,746, Mountain America stands strong as a reliable partner for all your financial needs. We take pride in our commitment to the community and strive to enhance the lives of those we serve. Explore what Mountain America can do for you today! Visit us online at www.macu.com or call us now to discover how we can help you achieve your financial dreams.

Branch History & Mission

At Mountain America, our journey began in 1936, rooted in the heart of South Salt Lake, UT. Over the decades, we have built a rich legacy of serving our community with dedication and care. Our branch at 3028 S State St has become a beacon of financial support for many, growing alongside our members to meet their evolving needs. Today, we proudly serve a total membership of 1,295,749 individuals and families, each with unique stories and dreams. Our mission is straightforward yet profound: to empower our members through accessible financial services while nurturing the communities we serve. We believe that financial wellness should be within everyone's reach. This commitment drives us to provide a range of services from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing. We also offer business banking options to help local entrepreneurs thrive. In addition to traditional banking services, we embrace digital advancements that enhance the member experience. With features such as online banking, mobile payments, and e-statements, we make managing finances easier than ever. Our branch is equipped with ATM availability and drive-thru banking for added convenience. While you can visit us at our South Salt Lake address for personalized service, official correspondence should be directed to our mailing address at 3028 S State St, South Salt Lake, UT 84115-3833. Mountain America is more than just a credit union; we're part of the community fabric. We actively engage in partnerships and outreach efforts aimed at uplifting those around us. Whether it's supporting local charities or providing financial literacy programs, we are dedicated to making a positive impact. As we look ahead, our vision remains clear: to continue growing alongside our members while staying true to our core values of integrity and service. We invite you to join us on this journey toward financial empowerment. Experience the benefits that Mountain America has to offer come visit us today or check out more about what we do at our website.

Branch Location & Accessibility

Convenient Access and Nearby Landmarks

Situated near popular local spots, our branch is easily accessible for all residents. If you're coming from downtown South Salt Lake or nearby neighborhoods, you'll find ample parking available right outside our doors. Plus, our facility is designed with accessibility in mind, featuring ramps and ADA-compliant features to ensure everyone can visit us without hassle.

Operating Hours That Fit Your Schedule

At Mountain America, we understand that your time is valuable. That's why our branch operates Monday through Friday from 9:00 AM to 6:00 PM, allowing you to visit during lunch breaks or after work. Whether you need assistance with checking and savings accounts, auto loans, or mortgages, we're here when you need us most.

Services Designed for You

Our location offers a range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Need to make a quick deposit or withdrawal? Our drive-thru service provides a simple solution for those on the go. Plus, enjoy the convenience of ATM access whenever you need cash. While members can visit us at 3028 S State St, official correspondence should be sent to the same address. If you're ready to explore what Mountain America has to offer or have any questions, don't hesitate to call us at 385-425-7332. We look forward to serving you!

Member Eligibility

At Mountain America, we believe that everyone deserves a supportive financial partner, and joining our community is as easy as reaching out! To become a member, you simply need to meet a few friendly eligibility criteria. Typically, this includes being a resident of the areas we serve or having a family member who's already a part of our credit union family. If you're curious about the specific details, feel free to check out our eligibility page at for the most current information. Once you know you're eligible, opening an account with us is a breeze! Just give us a call at (385) 425-7332, and we'll guide you through the process. Whether you're looking for personal banking services or loans, becoming a member at Mountain America means gaining access to great rates and personalized service that truly cares about your financial well-being. We can't wait to welcome you to our branch located at 3028 S State St South Salt Lake Ut 84115!

Business Banking & Commercial Services

Financing Options to Fuel Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $5,373 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $2,148,145,550, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services that Make Sense

Imagine having a payment processing solution that fits seamlessly into your daily operations. Our merchant services allow you to accept payments easily, ensuring you can focus on what matters most growing your business. Whether you're a local shop or an online retailer, our services help simplify transactions, making it easier for you to serve your customers. Located at 3028 S State St South Salt Lake Ut 84115 in South Salt Lake, UT, we are ready to support your journey toward success. Call us at (385) 425-7332 or visit us today!

Comprehensive List Of Services

Business Banking Services

For our business members, we offer comprehensive banking solutions tailored to support your entrepreneurial ventures. From merchant services that simplify payment processing to business loans designed to fuel growth, we are committed to helping your business thrive.

Convenient Digital Banking Features

In today's fast-paced world, convenience is key. That's why we prioritize digital banking features that make managing your finances easier than ever. With online and mobile banking, you can access your accounts anytime, anywhere. Enjoy secure ATM services for cash withdrawals and balance checks, plus person-to-person payments that let you send money instantly. Our drive-thru banking service also ensures that basic transactions like deposits and withdrawals can be done quickly without leaving your vehicle.

Credit Cards & Rewards

We understand that every dollar counts. Our credit cards come with rewards that allow you to earn points on your everyday purchases, making it easier for you to enjoy benefits while managing expenses.

Personal Banking Solutions

Managing your finances should be easy and convenient. That's why we offer various personal banking services including checking and savings accounts designed to help you save and manage your money effectively. Need help with larger purchases? Our auto loans and vehicle financing options can assist you in getting behind the wheel of your dream car without breaking the bank. If you're considering buying a home or refinancing your current mortgage, our mortgage loans come with competitive rates and flexible terms that can fit into any budget. For those looking to consolidate debt or make other personal investments, our personal loans provide an accessible solution to achieve your goals.

Why Choose Us?

At Mountain America, we pride ourselves on being more than just a financial institution; we're a community partner invested in helping you succeed financially. With our friendly staff ready to answer questions at (385) 425-7332, we invite you to explore all the ways we can serve you. Whether you're opening a new account or seeking advice about loans and credit options, feel free to visit us at 3028 S State St South Salt Lake Ut 84115 or check out our website at 0173 South Salt Lake State St. Let us help you achieve your financial dreams today!

Digital & Online Banking

Easy Access with Online Banking

With our 24/7 online banking services, available at https://www.macu.com/, you can check your account balances, transfer funds, and pay bills anytime you want. This means no more rushing to the bank before it closes or waiting in long lines. Our user-friendly platform puts you in control, allowing you to manage your finances whenever it suits you.

Go Mobile with Confidence

For those who prefer banking on their smartphones, our mobile application offers all the functionality of online banking right in your pocket. You can make person-to-person transfers with ease and even enjoy mobile payments, simplifying everyday transactions like never before. Whether you're splitting a bill with friends or shopping online, our mobile features keep your financial life running smoothly.

Secure Transactions Made Simple

Security is paramount at Mountain America. We utilize advanced technology to keep your information safe. Plus, our electronic signature authorization feature allows you to sign documents securely online, making transactions quicker and more efficient.

Stay Updated with E-Statements

Say goodbye to paper clutter! With e-statements available, you can receive your account statements electronically. This not only helps you stay organized but also contributes to a greener environment by reducing paper waste. In summary, Mountain America is dedicated to providing accessible, secure, and easy-to-use digital banking services that fit your lifestyle. Explore all that we have to offer today at https://www.macu.com/ and take charge of your financial future!

Financial Strength

At Mountain America, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share that our financial health is robust, allowing us to serve you better each day. With a net worth of $1,866,422,746, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $920 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $6,145,617,325 in share certificates and $6,008,999,239 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $393,835,221, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $1,845,749,365 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Additionally, with $285,235 in used auto loans and $16,366,923,635 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 3,027 full-time employees and 399 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $180,378,688. Total Share and Deposit Accounts: 3,572,351, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mountain America is your trusted partner. Visit us at 3028 S State St South Salt Lake Ut 84115 or call (385) 425-7332 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Additional Financing Options

For those looking for additional support, we also offer various personal loans and debt consolidation options that can help streamline your financial commitments. If you're considering refinancing any existing loans, our team is here to discuss eligibility and find solutions tailored just for you. For business owners, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to grow and expand. We're committed to supporting local businesses and helping them thrive in our community. At Mountain America, our goal is to make borrowing easy and accessible while offering competitive rates across all loan types. Feel free to reach out at (385) 425-7332 or visit us at 3028 S State St South Salt Lake Ut 84115 in South Salt Lake, UT to learn more about how we can assist you today!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $4,936,086,560 in used vehicle loans and $1,444,883,578 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we've got options that fit your budget.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,967,627,006, make buying or refinancing simple. We provide personalized service to guide you through the mortgage process and ensure you find the right solution for your needs.

Unsecured Credit Card Loans

Managing day-to-day expenses is easier with our flexible terms on unsecured credit card loans, with a total of $981,936,213 in loans helping members manage their finances effectively. Whether it's for emergencies or everyday purchases, our credit cards come with competitive rates and rewards programs.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This tool is designed to empower users with clear information, allowing them to make informed choices about their borrowing options. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This compliance guarantees that users receive fair and transparent offers, making it easier for them to find loans that suit their financial needs. One of the key benefits of using LendMesh is its commitment to verified data. All loan offers are sourced from legitimate financial institutions, ensuring transparency in what is presented. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. The platform's goal is to provide unbiased results so users can trust that they are seeing all available options fairly represented. Moreover, LendMesh provides real-time rate comparisons from multiple institutions. This timely information helps users stay updated on current market conditions and make decisions based on the best available rates at any given moment. Thousands of users trust LendMesh for loan comparisons. One satisfied member shared, "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight the effectiveness and reliability of this comparison tool. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

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