Mountain America Credit Union

Member Newsletters

Our quarterly newsletter has all the financial information you need to stay up to date on your finances.

Member Newsletters

Our quarterly newsletter has all the financial information you need to stay up to date on your finances.

Mountain America Credit Union Newsletters

Mountain America's newsletter, Mountain Quarterly, has all of the financial information you need to stay up to date. Inside each issue, you'll find helpful articles, fun giveaways, important news, financial literacy tips and more. Select the most current newsletter or one of our recent issues below.

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09.27.16
Todays Rates

30 Year Fixed
Important Loan Information

The information provided is for a 30 year fixed mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000.00 and an estimated property value of $240,000.00. The property is located in UT and is within Salt Lake county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 25 days and the assumed credit score is 740.

At a 3.250 % interest rate, the APR for this loan type is 3.374%. The monthly payment would be:

359 payments of $783.37 at an interest rate of 3.250 %
1 payment of $783.91 at an interest rate of 3.250 %

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment.

Annual Percentage Rate. On approved credit and new equity loans only. At the end of the 6 month promotional rate your variable rate will adjust to an APR that is based on the margin over Prime that you qualify for, which may be anywhere from 4.00% APR to 10% APR depending on your eligibility. Maximum interest rate over the life of the loan is 18%. Minimum interest rate over the life of the loan is 4.00% (on approved credit). Some restrictions may apply. Rates subject to change. Limited time offer. Membership required—based on eligibility. Consult your tax advisor for more information regarding the tax deductible benefits of a home equity line of credit.

15 Year Fixed
Important Loan Information

The information provided is for a 15 year fixed mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000.00 and an estimated property value of $240,000.00. The property is located in UT and is within Salt Lake county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 25 days and the assumed credit score is 740.

At a 2.500 % interest rate, the APR for this loan type is 2.722%. The monthly payment would be:

179 payments of $1,200.22 at an interest rate of 2.500 %
1 payment of $1,200.32 at an interest rate of 2.500 %

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment.

60 monthly payments of $17.96 per $1,000.00 borrowed. Includes 0.25% discount with MyStyle Checking.

84 payments of $13.55 per $1,000.00 borrowed. Rate is based on an 80% or less LTV.

MACU 100% 30 Year Fixed Rate
Important Loan Information

The information provided is for a MACU 100% 30 Year Fixed Rate mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000.00 and an estimated property value of $180,000.00. The property is located in UT and is within Salt Lake county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 25 days and the assumed credit score is 740.

At a 4.375 % interest rate, the APR for this loan type is 4.551%. The monthly payment would be:

359 payments of $898.71 at an interest rate of 4.375 %
1 payment of $900.04 at an interest rate of 4.375 %

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment.

APY = Annual Percentage Yield

120 payments of $10.12 per $1,000.00 borrowed. Rate is based on an 80% or less LTV.

60 monthly payments of $18.75 per $1,000.00 borrowed.

144 monthly payments of $8.87 per $1,000.00 borrowed. Includes 0.25% discount with MyStyle Checking.

The information provided is for a 30 year fixed One-Time close loan with a 9-month construction term. Assumes a 700+ FICO, and 80% Loan-to-value. No prepayment penalty. Allows 1-time float down at modification if rates drop, otherwise rate is capped at construction rate. During construction phase, minimum payments are interest only based on the amount drawn. 360 payments of $4.63 per $1,000 borrowed after construction period.

APY = Annual Percentage Yield

Rate based on a 36-month term and includes a 0.25% discount with a MyStyle Checking account. Terms up to 60 months available.

APY = Annual Percentage Yield

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