Back to Help CenterQ: What advantages would one have by getting a 15-year loan versus a 30-year loan on a first mortgage?
The rate on a 15 year loan is usually much lower, and you will pay 15 years less interest.
Loans & Cards
Use any card, win any trip
Shop for a chance to win a $5,000 vacation voucher. Limited time offer.
Learn howServices
All-in-one digital banking
Quickly and easily manage your finances with our full menu of online and mobile banking solutions.
See howEducation
Learn while you play
Play Banzai, the free financial education program that makes it fun to learn about budgeting, paying for college, saving for a home and paying off debt.
Learn more
© 2025, all rights reserved. Mountain America Credit Union, P.O. Box 2331, Sandy, UT 84091, 1-800-748-4302. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. Mountain America Federal Credit Union does business as Mountain America Credit Union. Membership required—based on eligibility. Loans on approved credit. ‡Annual Percentage Yield (APY). Annual Percentage Rate (APR).
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.Federally insured by NCUAEqual Housing LenderNMLS ID 462815Consumer Privacy NoticeOnline Privacy NoticeCookie NoticePatriot Act & Other Disclosures