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Construction and Lot Loans

Whether it’s in Davis County, Washington County, or in the Uintah Mountains, you can build your dream home without paying multiple or high closing fees. Mountain America offers a One-Time Close Construction Loan that helps you achieve the financial dream of building your dream home, cabin or vacation home!

The features of a Mountain America Construction include:

    • Low Rates
    • One-Time and Two-Time Close option
    • Rate Protection on One-Time  Close
    • Up to 90% financing (On Approval of Credit)
    • Terms of 9 and 12 months for construction loans
    • Fixed-rate terms of 15 and 30 years
    • Mountain America Credit Union Quick Close


The features of a Mountain America Lot Loans include:

  • Low Rates
  • 5 year and 10 year fixed term available
  • Up to 70% financing (On Approval of Credit)
  • 6 month Mountain America membership required
  • 1 lot per member
  • Limited refinance options available*


*See loan officer for details

Today's MACU Mortgage Rates


15YR Fixed
Rate apr points
3.375% 3.614% 0.000%

30YR Fixed
Rate apr points
4.250% 4.392% 0.000%

MACU 100% 30YR Fixed
Rate apr points
4.125% 5.831% 0.000%