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Home Equity Loans
Mortgage Loans
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Vehicle Loans
Introduction
Welcome to Mountain America, your trusted partner for financial well-being in the heart of Vernal, UT. Located at 801 W Highway 40, we have been serving our community since 1936, focusing on providing reliable banking services tailored to meet your needs. With a strong commitment to our members, we proudly support a growing family of over 1,295,749 members who trust us with their financial journeys. At Mountain America, we understand that each member is unique. That's why we offer a wide range of services, including personal banking options such as checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. Our business banking solutions are designed to help local businesses thrive with merchant services and business loans. Our branch boasts total assets of over $20.2 billion, demonstrating our stability and ability to serve you effectively. We currently hold deposits totaling $2.5 billion and have extended loans reaching up to 1,010,477 in number. This solid foundation allows us to provide competitive rates and exceptional service. Under the leadership of our CEO, Sterling Nielsen, and Board President, Scott Burt, our dedicated team of 3,426 employees is here to assist you every step of the way. We pride ourselves on being more than just a financial institution; we are an active part of the Vernal community. While you can visit us at our branch location for all your banking needs, official correspondence should be directed to our mailing address: 801 W Highway 40, Vernal, UT 84078-2415. Join us today and experience the Mountain America difference! Whether you're looking for a new account or need assistance with a loan application, feel free to call us at (435) 789-6900 or explore more about our services on our website at www.macu.com. Let's build your financial future together!
Branch History & Mission
Community Focus
Mountain America recognizes the importance of giving back. We engage in various outreach efforts that aim to improve lives within our community. Whether through educational programs or sponsorships of local events, we strive to make a positive impact on the lives of those we serve. We invite you to join us on this journey toward financial empowerment and community enrichment. Experience firsthand how Mountain America can help you achieve your financial goals while also contributing to a better Vernal. Discover the difference today! Visit us online at Mountain America or stop by our branch we're here for you!
Our Evolution
Since opening its doors, Mountain America has evolved significantly. Initially created to provide essential financial services to local residents, we have expanded our offerings to meet the changing needs of our community. Over the decades, we have embraced innovation while maintaining a personal touch that sets us apart. Today, we manage total assets exceeding $20 billion and provide a range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, business banking solutions, and more. In addition to our robust financial offerings, we've made strides in technology by introducing online and mobile banking services that empower our members to manage their finances on their terms. Our commitment to accessibility is evident as we continue to ensure ADA compliance across all platforms.
Our Mission
At Mountain America, our mission is clear: we are dedicated to enhancing the financial well-being of our members while fostering community growth. We believe that everyone deserves access to quality financial services that can help them achieve their dreams. This commitment goes beyond just providing products; it involves actively supporting community initiatives and partnerships that uplift those around us. Our operating hours from Monday to Friday are designed with your convenience in mind open from 9:00 AM to 6:00 PM allowing you ample opportunity to visit us or reach out via phone at 435-789-6900. While members can visit us at 801 W Highway 40 for all their banking needs, official correspondence should be sent to our mailing address at 801 W Highway 40, Vernal, UT 84078-2415.
Branch Location & Accessibility
Welcome to the Mountain America branch located at 801 W Highway 40 in Vernal, Utah! Our convenient location makes it easy for you to access all your banking needs. Nestled near popular local spots, our branch is just a short drive from the Uintah County Library and the bustling Vernal Town Park, making us an ideal stop during your day out. At Mountain America, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can comfortably visit us. We also offer ample parking space right outside the entrance, making it hassle-free to pop in for your banking needs. We're open Monday through Friday from 9:00 AM to 6:00 PM, so you can find a time that works best for you. Whether you're looking to open a checking account, apply for an auto loan, or discuss mortgage options, our friendly staff is here to assist you every step of the way. While members can visit us at 801 W Highway 40, official correspondence should be sent to the same address. Feel free to give us a call at 435-789-6900 if you have any questions or need assistance before your visit. We look forward to welcoming you at Mountain America in Vernal! Come see how we can help you with personal banking services, auto loans, mortgages, and more all tailored to fit your unique financial journey.
Member Eligibility
At Mountain America, we believe that becoming a member means joining a caring community that prioritizes your financial well-being. If you live, work, or attend school in certain areas, you might be eligible to join us! Whether you're looking to open a checking account or need assistance with loans, our friendly team is here to help you every step of the way. You can learn more about the specific eligibility criteria by visiting our website at . Once you're ready to take the next step, opening an account is a breeze! Just give us a call at (435) 789-6900, and we can guide you through the simple process. You'll discover all the perks of being part of Mountain America, from competitive rates on loans to personalized service that makes banking feel less like a chore and more like a partnership. We can't wait to welcome you to our family at 801 W Highway 40 Vernal Ut 84078!
Business Banking & Commercial Services
Commercial Loans
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
Imagine a local coffee shop that can accept payments easily from customers using various methods. Our merchant services offer just that, providing tools that streamline transactions and improve customer satisfaction. This means you can focus on what you do best running your business while we handle the financial side. Located conveniently at 801 W Highway 40 Vernal Ut 84078 in Vernal, UT, we invite you to explore how our tailored business banking solutions can support your goals. For inquiries, reach us at (435) 789-6900 during our lobby hours from Monday to Friday, 9 AM to 6 PM. Let's grow together!
Comprehensive List Of Services
Business Banking Services
For local businesses in Vernal, we provide tailored Business Banking services including essential Merchant Services & Business Loans. Whether you're looking to expand operations or need cash flow support, we can work with you to create a financial plan that suits your goals.
Digital Banking Convenience
In today's fast-paced world, convenience matters. That's why at Mountain America, we offer robust Online & Mobile Banking options that allow you to manage your accounts anytime, anywhere. From checking balances and transferring funds to making payments, everything is just a few clicks away on our user-friendly platform. Although we currently do not have ATM access at this branch location, our online features ensure that accessing your funds remains straightforward and secure.
Personal Banking Solutions
For those seeking everyday banking solutions, our Personal Banking services include convenient Checking & Savings Accounts that help you manage your money effectively. Imagine having a savings account that not only keeps your funds safe but also earns interest over time. With us, you can set up automatic transfers to grow your savings effortlessly. If you're dreaming of a new vehicle or need financing for one, explore our Auto Loans & Vehicle Financing options. We offer competitive rates and flexible terms to help you get behind the wheel with confidence. Homeownership is within reach with our Mortgage Loans & Refinancing solutions. Whether you're buying your first home or looking to refinance an existing mortgage for better terms, our team is here to guide you through every step. Additionally, if debt is weighing you down, consider our Personal Loans & Debt Consolidation services designed to simplify your financial life by merging multiple debts into one manageable payment. Our credit cards come with exciting rewards that can make everyday purchases more rewarding. Experience the perks of our Credit Cards with Rewards program while earning points on the things you buy most.
Visit Us Today!
We invite you to visit us at 801 W Highway 40 Vernal Ut 84078, where you'll find friendly faces ready to assist you with all your banking needs. You can also reach us at (435) 789-6900 during our operating hours from Monday to Friday, 9:00 AM - 6:00 PM. Explore how easy banking can be with Mountain America your partner in financial success! For more information about our offerings and how they can benefit you or your business, please visit us online at 0037 Vernal 801 W Hwy 40. We look forward to serving you!
Digital & Online Banking
Key Features
One of the standout features is our Mobile Application. This handy app not only lets you manage your accounts but also supports Mobile Payments, making it simple to make purchases directly from your phone. Plus, with Person-to-Person Transfers, sending money to friends or family is quick and hassle-free perfect for those times when you need to split a bill or send a gift. Worried about paperwork? With our Electronic Signature Authorization, signing important documents is a breeze. You can do it all online without needing to print anything out. Additionally, our E-Statements Availability means you can access your statements electronically, reducing clutter while helping you stay organized. At Mountain America, security is a top priority. We use advanced measures to keep your information safe while you enjoy the convenience of online banking. With real-time account management tools, you'll always know where your money is and how it's being used. Whether you're at home or on the move, Mountain America makes banking straightforward and secure. Embrace the future of finance with us today!
Financial Strength
Dedicated Team
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. This dedication translates into personalized service that meets your unique needs.
Lending Capacity
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 operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members.
Member-Centric Savings
Your savings are secure with us! We hold $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.
Reinvestment for Growth
Our commitment to your financial future includes $1,845,749,365 in undivided earnings, which allows us to reinvest in innovative banking tools and stronger lending options. This means better security measures and improved services tailored just for you.
Solid Financial Health
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.
Strong Member Base
Total Share and Deposit Accounts: 3,572,351, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $180,378,688 further illustrate our ability to support your borrowing needs while maintaining stability. 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 801 W Highway 40 Vernal Ut 84078 or call (435) 789-6900 to learn more about how we can help you achieve your financial goals.
Loan Offering
Additional Services
In addition to these loan offerings, we also provide refinancing options for existing loans and various eligibility programs designed to ensure you find the best fit for your situation. Don't hesitate to reach out if you have questions about how we can assist you further. You can contact us at (435) 789-6900 for more information or visit us at our branch located at 801 W Highway 40 Vernal Ut 84078 in Vernal, UT. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your financial journey starts here at Mountain America, where we prioritize your success every step of the way!
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 flexible terms to suit your budget and lifestyle, ensuring you can drive away with confidence.
Business Loans
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 with financing options that meet their specific needs.
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 with you to find the right mortgage solution tailored to your needs, whether you're a first-time homebuyer or looking to refinance an existing mortgage.
Unsecured Credit Card Loans
Managing day-to-day expenses can be easier with our unsecured credit card loans. We offer flexible terms on these loans, with a total of $981,936,213 helping members manage their finances effectively. Enjoy the benefits of rewards and competitive interest rates while keeping your budget in check.
Loan Aggregator
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