Mountain America Credit Union - Nationwide Branches

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Branch	Address	View Lobby Hours
045 - Holladay - Murray Holladay Road	1298 E Murray Holladay Rd, Holladay, UT 84117	View Lobby Hours
057 - Albuquerque - Paseo Del Norte Blvd	8021 Ventura St NE, Albuquerque, NM 87109	View Lobby Hours
048 - West Jordan - Jordan Landing	3782 W 7800 S, West Jordan, UT 84088	View Lobby Hours
056 - Phoenix	805 E Thunderbird Rd, Phoenix, AZ 85022	View Lobby Hours
055 - Midvale - Fort Union	7325 S Union Park Ave, Midvale, UT 84047	View Lobby Hours
054 - Albuquerque - Golf Course Road	9200 Golf Course Rd NW, Albuquerque, NM 87114	View Lobby Hours
051 - Copperton	8662 W State Hwy, Copperton, UT 84006	View Lobby Hours
040 - Taylorsville - 47th South	2627 W 4700 S, Taylorsville, UT 84129	View Lobby Hours
042 - Tooele	1475 N Main St, Tooele, UT 84074	View Lobby Hours
038 - Roosevelt	823 E 200 N, Roosevelt, UT 84066	View Lobby Hours
044 - Murray	5899 S State St, Murray, UT 84107	View Lobby Hours
039 - Altamont	60 E Main St, Altamont, UT 84001	View Lobby Hours
046 - Cottonwood	6440 S 3000 E, Cottonwood Heights, UT 84121	View Lobby Hours
047 - Kearns	5471 S 4015 W, Taylorsville, UT 84129	View Lobby Hours
064 - American Fork	893 W State Rd, American Fork, UT 84003	View Lobby Hours
063 - Riverton	1962 W 12600 S, Riverton, UT 84065	View Lobby Hours
062 - South Jordan - River Park	753 W South Jordan Pkwy, South Jordan, UT 84095	View Lobby Hours
050 - West Jordan - Redwood Road	6761 S Redwood Rd, West Jordan, UT 84084	View Lobby Hours
105 - Sandy - 94th South	858 E 9400 S, Sandy, UT 84094	View Lobby Hours
049 - South Jordan - 104th South	3473 W South Jordan Pkwy, South Jordan, UT 84095	View Lobby Hours
127 - Idaho Falls - Sunnyside Road	525 W Sunnyside Rd, Idaho Falls, ID 83402	View Lobby Hours
043 - West Jordan - 90th South	9027 S 2200 W, West Jordan, UT 84088	View Lobby Hours
019 - Rose Park - 700 North	1715 W 700 N, Salt Lake City, UT 84116	View Lobby Hours
103 - SLCC Campus	4600 S Redwood Rd, Salt Lake City, UT 84123	View Lobby Hours
079 - Moab	1047 S Highway 191, Moab, UT 84532	View Lobby Hours
092 - Corporate Office	7181 S Campus View Dr, West Jordan, UT 84084	View Lobby Hours
008 - Logan - 1425 North	1425 N 200 E, Logan, UT 84341	View Lobby Hours
009 - Ogden - Five Points	321 2nd St, Ogden, UT 84404	View Lobby Hours
010 - Ogden - 40th Street	455 40th St, South Ogden, UT 84403	View Lobby Hours
012 - Layton	955 W Antelope Dr, Layton, UT 84041	View Lobby Hours
018 - Woods Cross	1849 S 500 W, Woods Cross, UT 84010	View Lobby Hours
037 - Vernal - East Highway 40	801 W Highway 40, Vernal, UT 84078	View Lobby Hours
020 - Salt Lake - 325 South State	180 E 100 S, Salt Lake City, UT 84139	View Lobby Hours
030 - Sugarhouse - 21st South	2060 E 2100 S, Salt Lake City, UT 84109	View Lobby Hours
058 - Mesquite	355 W Mesquite Blvd Ste A10, Mesquite, NV 89027	View Lobby Hours

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Featured - 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Points	Fees	Monthly Payment	Learn More
NMLS ID: 1907	0.000%	0.000%	0.00	$0	$0	Learn More
NMLS ID: 292473	5.870%	5.750%	0.63	$4,174	$1,868	Learn More
NMLS ID: 3030						Learn More

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Featured - Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Figure Home Equity Line See Table	0.000 %	$0	Learn More More Info
The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000. #1 Non-bank HELOC in the US, A+ BBB Rating Access $15,000 to $750,000 in home equity with flexible terms Approval in as few as 5 minutes, funding in as few as 5 days Use to consolidate debt, finance your next home project, or major expenses
Figure Home Equity See Table	Intro APR 6.850 % After Intro: 6.850 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Third Federal Savings and Loan See Table	Intro APR 6.990 % After Intro: 6.990 %	$0	Learn More More Info
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com. Third Federal rate are typically 20% lower than other leaders Guaranteed Lowest Rate No closing costs, prepayment penalties, or minimum draw requirements 10 year draw period
Four Leaf Federal Credit Union See Table	Intro APR 5.990 % After Intro: 7.250 % Intro Period: 12 months	$25,000	Learn More More Info
Rates/terms are subject to change. All offers of credit are subject to credit approval. Applicants may be offered credit at higher rates and other terms. Property insurance (including flood insurance, if applicable) is required. HELOCs not offered in Texas. Membership at FourLeaf is required by opening a minimum $5 share account. Rates shown are based on primary residence, minimum initial draw of $25,000 at account opening, monthly payments via automatic transfers from a FourLeaf checking/savings account, and borrower(s) inputs for credit score and Combined Loan-to-Value. If borrower(s) qualifies for an intro rate, the intro APR is fixed for 12 months. After, standard APR is variable based on the U.S. Prime Rate, plus a margin, and is subject to increase. To obtain an intro rate, borrower(s) must meet credit/loan program requirements, including (but not limited to): 1) maximum CLTV of 75%, 2) minimum credit score of 720 3) initial draw of $25,000 and maintain this balance for 12 months, 4) monthly payments via automatic transfers from a FourLeaf checking/savings account, and 5) have not had an intro rate within the past 5 years. Loan amounts over $500,000 are not available for the intro rate. The standard APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable), and is subject to increase after consummation. The current standard APR ranges from 7.50% - 18.00% as of 4/16/2025. Not all applicants will qualify for the lowest rate. The minimum floor APR is 3.25% and maximum is 18%. Prime Rate as of 4/16/2025 = 7.50%. Closing costs for the first $500,000 will be paid by FourLeaf but must be repaid by the borrower(s) if the HELOC is closed within first 36 months of account opening. Fees generally range between $500 - $15,000. Borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amounts over $500,000. Fees generally range between $500 -$60,000. Tap into your home's equity & access the funds you need with a HELOC Apply online or speak with a specialist No application, origination & appraisal fees on lines up to $500K[3] On average, access funds within 35 days[5]

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