Mountain America

Sandy, Utah
Last verified: July 24, 2026

As of July 24, 2026, Mountain America offers a 30-year fixed mortgage at 6.507% APR. Auto loans available from 4.99% APR. HELOC rates from 3.74% APR. Personal loan rates from 12.49% APR. Credit card rates from 13.25% APR. Savings and certificate yields up to 4.30% APY.

Source: RateAPI.dev, verified from Mountain America's official website

Who Can Join Mountain America

Membership eligibility from Mountain America's own published criteria. How we verify this.

Membership criteria are published on Mountain America's website. Check the membership page below to confirm whether you qualify.

Verified from Mountain America's membership page. Final membership determination is always made by the credit union.

Mortgage Rates

Rates as of July 24, 2026

30-year-fixed
6.507% APR
Rate6.375%
Points0
30-Year Fixed Mortgage (New Purchase)
30-year-fixed
7.557% APR
Rate7.375%
Points0
100% first-time homebuyer
15-year-fixed
5.964% APR
Rate5.750%
Points0
15-year fixed (new purchase)
other
7.522% APR
Rate6.875%
Points0
Construction loan

Auto Loan Rates

Rates as of July 24, 2026

auto_any
4.990% APR
Rate4.990%
New & used car loans
auto_any_72mo
4.990% APR
Rate4.990%
Auto loans
boat
7.240% APR
Rate7.240%
Boat loan
rv
7.240% APR
Rate7.240%
RV & ATV loans

HELOC Rates

Rates as of July 24, 2026

heloc_variable
3.740% APR
Rate3.740%
HELOC
heloc_fixed
5.740% APR
Rate5.740%
Home equity loans (first mortgage) - 10-year
heloc_fixed
5.990% APR
Rate5.990%
Home equity loans (first mortgage) - 12-year
heloc_fixed
6.740% APR
Rate6.740%
Home equity loans (first mortgage) - 15-year
heloc_fixed
7.240% APR
Rate7.240%
Home equity loans (second mortgage) - 10-year
heloc_fixed
7.490% APR
Rate7.490%
Home equity loans (second mortgage) - 12-year
heloc_fixed
8.240% APR
Rate8.240%
Home equity loans (second mortgage) - 15-year

Personal Loan Rates

Rates as of July 24, 2026

personal_unsecured_48mo
12.490% APR
Rate12.490%
Personal Loan 48-month fixed
personal_unsecured_60mo
12.990% APR
Rate12.990%
Personal Loan 60-month fixed
personal_unsecured_72mo
13.490% APR
Rate13.490%
Personal Loan 72-month fixed

Credit Card Rates

Rates as of July 24, 2026

credit_card_platinum
13.250% APR
Rate13.250%
Platinum Credit Card
credit_card_cash_back
15.990% APR
Rate15.990%
Cash back

Savings & Certificate Rates

Rates as of July 24, 2026

savings
0.05% APY
Dividend Rate0.05%
Savings accounts
money_market
0.50% APY
Dividend Rate0.50%
Money Market Account
savings
2.95% APY
Dividend Rate2.95%
Business Sweep
money_market
3.20% APY
Dividend Rate3.20%
Money market
cd_6mo
3.85% APY
Dividend Rate3.78%
6-month Standard Certificate
cd
3.90% APY
Dividend Rate3.83%
Christmas Club Certificate
cd_12mo
3.90% APY
Dividend Rate3.83%
12-month Standard Certificate
cd
3.95% APY
Dividend Rate3.95%
Standard certificate
cd_18mo
3.95% APY
Dividend Rate3.88%
18-month Standard Certificate
cd_12mo
4.00% APY
Dividend Rate3.93%
12-month Youth Certificate
cd_30mo
4.00% APY
Dividend Rate3.93%
30-month Standard Certificate
cd_36mo
4.00% APY
Dividend Rate3.93%
36-month Standard Certificate
cd_48mo
4.00% APY
Dividend Rate3.93%
48-month Standard Certificate
cd_60mo
4.05% APY
Dividend Rate3.98%
60-month Standard Certificate
cd_36mo
4.09% APY
Dividend Rate4.02%
36-month Youth Certificate
cd_48mo
4.09% APY
Dividend Rate4.02%
48-month Youth Certificate
cd
4.15% APY
Dividend Rate4.15%
Youth certificate
cd_60mo
4.15% APY
Dividend Rate4.07%
60-month Youth Certificate
cd_24mo
4.20% APY
Dividend Rate4.12%
24-month Standard Certificate
cd_24mo
4.30% APY
Dividend Rate4.22%
24-month Youth Certificate

Frequently Asked Questions

What rates does Mountain America offer?

Mountain America currently offers mortgage, auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified July 24, 2026 directly from the credit union's official website.

How often are Mountain America rates updated?

RateAPI verifies Mountain America's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 24, 2026.

Where does RateAPI get Mountain America's rate data?

Rate data is collected directly from Mountain America's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What is Mountain America's mortgage rate?

As of July 24, 2026, Mountain America offers a 30-year fixed mortgage at 6.507% APR.

What is Mountain America's auto loan rate?

As of July 24, 2026, Mountain America offers auto loans from 4.99% APR.

Related Rate Data

Compare Mountain America's rates against national credit-union benchmarks.

More Utah credit unionsMortgage rate benchmarkAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

Track Mountain America rates

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Access this data programmatically with our REST API

terminal
# Get rates for Mountain America
curl "https://api.rateapi.dev/credit-unions/utah/mountain-america" \
  -H "Authorization: Bearer YOUR_API_KEY"
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