Mountain America Credit Union

Nestled in the heart of Tooele, Mountain America at 1475 N Main St is your welcoming neighborhood credit union dedicated to helping you drive toward your financial goals with confidence. Open Monday through Friday from 9:00 a.m. to 6:00 p.m. and Saturdays until 2:00 p.m., this friendly branch specializes in some of the best auto loans and vehicle financing options designed to get you behind the wheel quickly with competitive rates and flexible terms tailored just for you. Whether you're purchasing a new car or refinancing an existing loan, Mountain America Tooele offers expert guidance every step of the way.
In addition to outstanding vehicle financing, members benefit from low mortgage rates and refinancing solutions that make homeownership more accessible in this growing community. This full-service location also provides personal banking products such as checking and savings accounts, credit cards packed with rewarding perks, personal loans ideal for debt consolidation, plus business banking services including merchant solutions and business loans crafted to support local entrepreneurs. While there is no on-site ATM or drive-thru, convenient cash withdrawal services are available alongside seamless online and mobile banking platforms for managing your finances anytime.
Experience friendly, community-focused financial care centered on top-tier auto loans and mortgage lending at Mountain America Tooele. Visit us today or call 435-843-1220 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, your trusted financial partner in the heart of Tooele. Located at 1475 N Main St, our branch has been serving the community since 1936. With a dedicated team of 3426 employees, we proudly support over 1,295,749 members with personalized banking solutions tailored to meet their needs. At Mountain America, we understand that financial goals are as unique as the individuals pursuing them. That's why we offer a wide range of services, from checking and savings accounts to auto loans and mortgages. Our commitment to our members is reflected in our impressive financial health, boasting total assets of $20,276,595,321 and total deposits reaching $2,498,647,369. While members can visit us at our Tooele branch for in-person assistance, official correspondence should be sent to our mailing address: 1475 N Main St, Tooele, UT 84074-1491. With a net worth of $1,866,422,746 and cash in hand totaling $302,213,181, you can trust that your money is in safe hands. Our CEO, Sterling Nielsen, along with Board President Scott Burt, leads our team with a vision focused on growth and community impact. We're not just about numbers; we're about making meaningful connections with our members and helping them achieve their dreams. Join us today by visiting or giving us a call at 435-843-1220. Experience the Mountain America difference where community meets opportunity!

Branch History & Mission

At Mountain America, we pride ourselves on a rich legacy that dates back to our founding in 1936. Established to serve the financial needs of our community, our Tooele branch, located at 1475 N Main St, Tooele, UT 84074, has been a cornerstone of support for countless members. Over the years, we have seen significant growth and transformation, now proudly serving over 1.29 million members and managing total assets of over $20 billion. Our mission is simple yet powerful: to empower our members to achieve their financial dreams while actively contributing to the well-being of our communities. We strive to provide exceptional personal banking services, including checking and savings accounts, auto loans, mortgages, credit cards with rewards, and business banking solutions. Each service is designed with you in mind. As we evolved through the decades, we've embraced innovation and technology to meet the changing needs of our members. Today, we offer convenient online and mobile banking options, ensuring that you can manage your finances anytime and anywhere. Our commitment to accessibility includes ADA compliance initiatives so that all individuals can benefit from our services. Mountain America isn't just about banking; it's about building relationships within the community. We partner with local organizations to support various outreach programs focused on education, health, and financial literacy. By investing in our neighborhoods, we help create a brighter future for everyone. While members can visit us at 1475 N Main St for all their banking needs during our operating hours Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM official correspondence should be sent to the same address as our mailing address is also 1475 N Main St, Tooele, UT 84074. We invite you to join us at Mountain America and experience the difference that comes from being part of a community-focused credit union. Together, let's work toward achieving your financial goals! For more information or assistance, feel free to contact us at 435-843-1220 or visit our website at www.macu.com.

Branch Location & Accessibility

Convenient Access and Features

At Mountain America, we prioritize accessibility for all our members. Our branch is equipped with features that comply with ADA standards, ensuring that everyone can navigate comfortably. Ample parking is available right outside, so you won't have to worry about finding a spot when you visit. While our main address is perfect for in-person visits, please note that any official correspondence should be sent to the same location: 1475 N Main St, Tooele, UT 84074.

Get in Touch

Ready to experience exceptional service? We invite you to visit us at Mountain America's Tooele branch or give us a call at 435-843-1220. Let us help you achieve your financial goals!

Operating Hours and Services

We understand that your time is valuable, which is why our lobby hours are designed to fit your busy schedule. We're open Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. During these hours, our friendly staff is ready to assist you with a range of services including personal banking options like checking and savings accounts, auto loans and vehicle financing, mortgage loans and refinancing, as well as credit cards with rewards. Unfortunately, we do not offer ATM services or drive-thru banking at this location. However, our team is always on hand to help you with cash withdrawal services directly inside the branch.

Member Eligibility

At Mountain America, we believe that becoming a member means joining a community that genuinely cares about your financial well-being. If you're looking to join us at our welcoming branch located at 1475 N Main St Tooele Ut 84074, you'll be pleased to know that eligibility is accessible and inclusive. Generally, if you live, work, or worship in the communities we serve, you can easily become a member. We also extend membership to family members of existing members, making it even easier for you to share the benefits of belonging. Joining Mountain America opens up a world of opportunities from competitive rates on loans and savings accounts to personalized service designed with your needs in mind. The process is simple! To learn more about specific eligibility details or if you're ready to open an account, feel free to visit our website at [](https://www.macu.com/) or give us a call at (435) 843-1220. We're excited to welcome you into our family!

Business Banking & Commercial Services

Merchant Services That Make a Difference

In addition to loans, we offer essential merchant services that simplify daily operations. Picture this: your customers can easily pay using various methods credit cards, mobile payments, or online transactions all seamlessly integrated into your business. This not only enhances customer experience but also increases sales opportunities. Located at 1475 N Main St Tooele Ut 84074 in Tooele, UT, we are here to support your business journey. Contact us at (435) 843-1220 or visit our website here to learn more about how we can partner with you for success!

Tailored Loan Options

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.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options are designed to make the process smooth and affordable. With flexible terms and competitive rates, we can help you get behind the wheel without breaking the bank. Picture driving off in your dream car with manageable monthly payments that fit within your budget.

Business Banking

For those running their own businesses, we offer comprehensive business banking solutions, including merchant services and business loans. We know how crucial it is for small businesses to have reliable support; that's why we're committed to helping you thrive in today's market. In addition to these services, we also provide essential tools like ATM access for cash withdrawals whenever needed.

Conclusion

At Mountain America, we believe in making banking as convenient as possible so that you can focus on what matters most your life! Whether it's through our user-friendly digital platforms or personalized service at our branch location in Tooele, UT, we're here for you. Ready to explore how we can help meet your financial needs? Visit us today at 1475 N Main St Tooele Ut 84074 or check out more information on our website: https://www.macu.com/. Let's achieve great things together!

Credit Cards with Rewards

Our credit cards with rewards let you earn while you spend! Enjoy cashback on everyday purchases or points that can be redeemed for travel, merchandise, and more. It's an easy way to make your spending work harder for you.

Mortgage Loans & Refinancing

If buying a home is on your radar, our mortgage loans and refinancing options will help make that dream a reality. We offer personalized service to guide you through every step of securing a mortgage, ensuring you understand all your options along the way. Whether you're a first-time homebuyer or looking to refinance an existing loan for better rates, we're here to assist.

Personal Banking

Managing your day-to-day finances should be simple and stress-free. That's why we offer various checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a vacation or just need a place for your everyday expenses, our accounts come with competitive interest rates and easy online access. You can monitor your balance and make transactions from anywhere using our online and mobile banking features. Imagine being able to pay bills or transfer money with just a few taps on your phone!

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, which is where our personal loans come into play. Need some extra cash for home repairs or medical bills? Our straightforward application process means you can get the funds you need quickly. Plus, if you're juggling multiple debts, consider our debt consolidation services we can help simplify payments and reduce interest rates.

Digital & Online Banking

Convenient Features

Want to send money to a friend? Our Person-to-Person Transfers feature makes it quick and straightforward. Additionally, if you're someone who loves using your phone for payments, our Mobile Payments Feature lets you make purchases directly from your mobile device, adding another layer of convenience to your daily transactions. At Mountain America, we are committed to ensuring that our digital banking services not only meet but exceed your expectations. With user-friendly interfaces and real-time account management tools, managing your finances has never been easier or more secure. Experience the future of banking with us today!

Key Services

Our online banking service includes features that help you stay connected to your money. With 24/7 Online Banking Services, you can check your balances, pay bills, and transfer funds with just a few clicks. Plus, our mobile application ensures that all these functionalities fit right in your pocket, making it easy for you to manage your finances while you're out and about. We know security is a top priority for you. That's why we provide Electronic Signature Authorization, allowing you to sign documents securely without the hassle of paper forms. You can also enjoy the peace of mind that comes with E-Statements Availability, which keeps your statements safe and easily accessible.

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 strength is robust and growing, ensuring that we can provide reliable services to all our members. 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. Our lending capacity is also notable; with $285,235 in used auto loans and $16,366,923,635 in total loans and leases, we support our members' financial goals across various sectors. Our operational efficiency is reflected in our $0, which enables 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 1475 N Main St Tooele Ut 84074 or call (435) 843-1220 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

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. We provide financing options for both new and used vehicles, making it easier than ever for you to drive away in your dream car.

Business Financing

For business owners, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, we are here to support your business ambitions. At Mountain America in Tooele (1475 N Main St), UT 84074, we're committed to helping you navigate your financial journey. For more information about our loan offerings or if you're interested in refinancing options or eligibility criteria, feel free to reach out at (435) 843-1220. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Let us help you take the next step toward achieving your financial dreams!

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 work closely with our members to help them find the best terms that fit their budget and lifestyle.

Personal Loans & Credit Cards

We also offer flexible terms on unsecured credit card loans, with a total of $981,936,213 in loans helping members manage their finances effectively. These cards provide convenient access to funds when you need them most and can be a great tool for building credit. For those looking for additional financial flexibility, our credit lines can also support various personal needs. With total credit lines available at $6,373,442,492, we aim to provide our members with options that suit their unique situations.

Loan Aggregator

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