Mountain America Credit Union

Nestled in the heart of Vernal, Mountain America at 1818 W Highway 40 is your trusted local credit union dedicated to supporting your financial journey with personalized service. Open Monday through Friday from 9:00 a.m. to 6:00 p.m. and Saturdays until 2:00 p.m., this welcoming branch specializes in some of the best auto loans and vehicle financing options designed to help you hit the road with confidence and competitive rates tailored to fit your budget. Whether you're buying a new car or refinancing an existing loan, expert guidance ensures a smooth and affordable experience.
Beyond exceptional vehicle financing, members in Vernal enjoy access to low mortgage rates and refinancing solutions that make homeownership more attainable in this vibrant community. The branch also offers comprehensive personal banking services including checking and savings accounts, credit cards loaded with rewarding perks, personal loans ideal for debt consolidation, and business banking products like merchant services and business loans crafted to support local entrepreneurs. While there is no on-site ATM or drive-thru, convenient cash withdrawal services combined with seamless online and mobile banking provide easy access anytime.
Experience friendly, community-focused financial care centered on top-tier auto loans and mortgage lending at Mountain America Vernal. Visit us today or call 435-879-8177 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 credit union located at 1818 W Highway 40, Vernal, UT 84078. Established in 1936, we have proudly served our community for over 85 years, creating strong financial foundations for families and businesses alike. With a total membership of 1,295,749 and assets exceeding $20 billion, we are committed to providing exceptional financial services that empower our members. At Mountain America, we understand that your financial journey is unique. That's why we offer a diverse range of products tailored to meet your needs whether it's personal banking, auto loans, or business financing. Our total deposits stand at an impressive $2,498,647,369, demonstrating the trust our members place in us. We work diligently to maintain a robust net worth of $1,866,422,746, ensuring that your money is not just safe but also growing. Our dedicated team of 3,426 employees is here to support you every step of the way. Under the leadership of CEO Sterling Nielsen and Board President Scott Burt, we strive to foster a friendly and welcoming atmosphere at our branch. While members can visit us at our Vernal location for face-to-face service during lobby hours from Monday to Friday (9:00 AM - 6:00 PM) and Saturday (9:00 AM - 2:00 PM), official correspondence should be directed to our mailing address: 1818 W Highway 40, Vernal, UT 84078-4119. We invite you to explore all that Mountain America has to offer. Whether you're looking for competitive loan rates or personalized financial advice, we are here for you. Call us today at 435-879-8177 or visit our website at Mountain America to learn more about how we can assist you on your financial journey!

Branch History & Mission

Community Impact

Our branch operates Monday through Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM, making it convenient for members to access our services. While we currently do not offer ATM or drive-thru services at this location, we are committed to providing a welcoming environment where members can receive personalized assistance. While members can visit us at 1818 W Highway 40 for all their banking needs, official correspondence should be sent to our mailing address at 1818 W Highway 40, Vernal, UT 84078-4119. As technology continues to change the way people bank, Mountain America stays ahead by offering online and mobile banking options that make managing finances easier than ever. With features like electronic signatures and mobile payments available at your fingertips, we ensure that convenience is always within reach.

Join Us

At Mountain America in Vernal, our doors are open wide for anyone looking for a reliable partner in their financial journey. Whether you need help with checking accounts or want to explore loan options tailored just for you, we're here every step of the way. Join us today and experience the benefits of being a member at Mountain America where your financial goals become ours too! For more information or assistance, don't hesitate to call us at 435-879-8177 or visit us online at Mountain America.

Our Journey

From our humble beginnings, Mountain America has evolved significantly. We started with a vision to support our members' financial well-being and empower them to achieve their dreams. Over the decades, we have expanded our offerings to include personal banking, auto loans, mortgage services, credit cards with rewards, and business banking solutions. Today, our total assets stand at an impressive $20.3 billion, reflecting our commitment to sound financial practices and responsible growth. In addition to our financial achievements, we take pride in being an active part of the Vernal community. We believe in giving back through various outreach efforts and partnerships that uplift local organizations and causes. This dedication to service is not just part of who we are; it's embedded in our mission statement: "To help our members achieve their financial goals while enhancing their lives through exceptional service."

Branch Location & Accessibility

Come See Us!

Don't hesitate to reach out by phone at 435-879-8177 if you have questions or need assistance before your visit. We look forward to welcoming you at Mountain America where your financial journey begins!

Convenient Access and Features

At our branch, you'll find ample parking available, making your visit hassle-free. We are committed to accessibility, ensuring that everyone can easily reach us. While we currently do not have an ATM or drive-thru service, our friendly staff is ready to assist you with all your banking needs inside the lobby.

Operating Hours

We invite you to visit us during our welcoming hours: Monday through Friday from 9 AM to 6 PM, and Saturday from 9 AM to 2 PM. Our team is eager to help you explore our range of services including personal banking options like checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. While members can visit us at our branch address for all their banking needs, any official correspondence should be sent to the same address: 1818 W Highway 40, Vernal, UT 84078-4119.

Member Eligibility

At Mountain America, we believe that becoming a member means joining a community that cares about your financial well-being. If you're looking to unlock a world of financial opportunities, we're excited to welcome you! Membership is open to anyone who lives, works, or worships in our service area. This includes residents of the Uintah County area and surrounding communities. It's easy to become part of our family simply visit us at 1818 W Highway 40 Vernal Ut 84078 to get started. You can also reach out to us at (435) 879-8177 if you have any questions or need assistance along the way. Joining Mountain America comes with a range of benefits designed to support your financial goals, from competitive loan rates to personalized service tailored just for you. To learn more about eligibility details and ensure you meet the criteria, check out our website at . We're here to make your banking experience as smooth as possible, so don't hesitate to stop by or give us a call!

Business Banking & Commercial Services

Driving Economic Growth

With an outstanding commercial loan portfolio of $2,148,145,550, we continue to drive economic growth by financing new and expanding businesses. We believe that by investing in our community's businesses, we are also investing in the future of Vernal. Visit us at 1818 W Highway 40 Vernal Ut 84078 or call us at (435) 879-8177 to discover how our business banking and commercial services can help your business thrive!

Merchant Services that Make Sense

In addition to loans, we provide robust merchant services that simplify daily transactions. Imagine a local café using our payment solutions to streamline customer checkouts, enhancing the overall experience while managing cash flow efficiently. With our support, you can focus more on what you do best running your business.

Supporting Your Business 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. Whether you're looking to expand your operations or invest in new equipment, we offer flexible loan options designed specifically for your needs.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're thinking about getting a new car or refinancing your current vehicle, our Auto Loans & Vehicle Financing services offer competitive rates and flexible terms. Picture yourself driving off in that dream car with an affordable monthly payment that fits your budget.

Business Banking

For local business owners, Mountain America provides robust Business Banking solutions including Merchant Services & Business Loans. We understand how crucial it is for businesses to have the right support. Our services are designed to help you thrive in today's competitive market.

Convenience Features

In addition to these core services, we pride ourselves on offering convenient features such as ATM & Cash Withdrawal Services, enabling easy access to your money anytime you need it. At Mountain America, we strive to create a banking experience that is not just about transactions but about building relationships with our members. If you want more information or need assistance, don't hesitate to reach out! You can call us at 435-879-8177 during our lobby hours: Monday-Friday from 9:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. Join us at Mountain America today and discover how we can support your financial journey! Visit us online at Mountain America for more details on all our services.

Credit Cards with Rewards

We also offer Credit Cards with Rewards, allowing you to earn points on everyday purchases. These rewards can turn into travel perks, cash back, or discounts at popular retailers. It's like getting paid for spending!

Mortgage Loans & Refinancing

For homebuyers and homeowners alike, we provide a variety of Mortgage Loans & Refinancing options. Whether you're purchasing your first home or looking to lower your monthly payments through refinancing, our team is here to guide you through the process every step of the way.

Personal Banking

For those looking to manage their day-to-day finances, our Personal Banking options include Checking & Savings Accounts that are tailored to fit various lifestyles. Whether you're saving for a vacation or need an account for everyday expenses, we have you covered. Imagine having the flexibility to access your funds easily through our user-friendly Online & Mobile Banking platforms. You can check your balance, transfer money, or pay bills right from your smartphone!

Personal Loans & Debt Consolidation

Sometimes life throws unexpected expenses our way. Our Personal Loans & Debt Consolidation services can help you tackle those challenges head-on. With straightforward terms and manageable repayment plans, you can regain control of your finances and focus on what matters most.

Digital & Online Banking

Always Available

We know life doesn't stop at 5 PM. That's why our online banking services are available 24/7. Whether you're checking your account late at night or paying a bill early in the morning, we're here for you. At Mountain America, we prioritize making banking easier and more efficient for you. Join us today and discover how our digital banking services can simplify your financial life!

Key Features

With features like electronic signature authorization, you can complete important transactions without needing to visit a branch. This means less hassle for you! Plus, our e-statements make it easy to stay organized; you can view your statements online whenever you need them. Do you like using your smartphone for payments? Our mobile payments feature allows you to make purchases directly from your phone. Pair this with our mobile application, available for download on various platforms, and managing your accounts becomes even simpler. Need to send money to friends or family? Use our person-to-person transfer service to send money quickly and securely no checks or cash needed!

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 understand that you want to know your money is safe and that we are here to support your financial needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. This commitment to sound financial management helps protect our members' interests and builds trust within our community. 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 robust; with $285,235 in used auto loans and $16,366,923,635 in total loans and leases, we support 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. In total, we have 3,572,351 share accounts that showcase a strong and growing member base who trust us with their finances. Our net shares stand at $180,378,688, illustrating the funds available for lending and investments. 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 1818 W Highway 40 Vernal Ut 84078 or call (435) 879-8177 to learn more about how we can help you achieve your financial goals.

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 that suit different budgets and credit profiles, making it easier for you to drive away in a vehicle you love.

Business Financing

For business owners, our outstanding commercial loans totaling $2,148,145,550 provide the capital needed to grow and expand your business. We believe in supporting our local economy by offering competitive rates and personalized service to help entrepreneurs succeed. Our goal is not just to lend money but to empower our members with financial tools that lead to success. If you're considering refinancing or want to learn more about eligibility options, don't hesitate to reach out. To get started or if you have any questions, please call us at (435) 879-8177. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Mountain America, we're here to support your financial journey every step of the way!

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. Our knowledgeable staff will guide you through each step of the process, ensuring you understand your options and can make informed decisions about your future.

Unsecured Credit Card Loans

Managing day-to-day expenses can be challenging. 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. This gives you access to credit when you need it most, without the need for collateral.

Loan Aggregator

Accurate Loan Comparisons

Loan data on LendMesh is sourced 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), ensuring fair and transparent offers. This commitment to accuracy means you can trust that the information you see is up-to-date and reliable.

Benefits of Using LendMesh

Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. This helps users understand exactly what they are getting into when considering a loan. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. You can be confident that you are viewing options based solely on their merits. Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can make informed decisions quickly. This feature is particularly helpful for those who want to compare various offers without delay. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback reflects the positive impact LendMesh has had on its users' financial decisions. 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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