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The network's featured all-rounder against its speed specialist. CCU lends everywhere and does everything; MACU funds in days and takes vehicles CCU will not, but only in its six-state footprint. Geography answers this one for most borrowers before the numbers do.
| Side by side | Consumers Credit Union4.8 | Mountain America Credit Union4.7 |
|---|---|---|
| Our rating | 4.8 | 4.7 |
| Est. APR, excellent credit | 5.24% | 4.99% |
| Est. APR, good credit | 7.74% | 7.49% |
| Est. APR, fair credit | 12.49% | 12.74% |
| Min credit score | About 550 | About 560 |
| Loan amounts | $5,000 to $150,000 | $5,000 to $150,000 |
| Max vehicle age / mileage | 10 yrs / 150,000 mi | 11 yrs / 150,000 mi |
| Terms | 36 to 84 months | 36 to 84 months |
| Typical funding | 2-5 days | 1-3 days |
| Cash-out refinance | Yes | Yes |
| Lease buyout | Yes | Yes |
| Co-signer removal | Yes | No |
| Availability | All 50 states | UT, AZ, ID, MT, NV, NM only |
Figures are representative estimates from lender guidelines, not offers. Highlighted cells mark the stronger typical value; your matched offers decide the real winner.
Let your actual profile pick the winner
See my real matchAvailability
Edge: Consumers Credit UnionCCU lends in all 50 states; MACU serves its Mountain West footprint (UT, AZ, ID, MT, NV, NM).
Speed
Edge: Mountain America Credit UnionMACU's 1 to 3 day typical funding beats CCU's solid 2 to 5.
Vehicles
Edge: Mountain America Credit UnionMACU adds RVs, boats, and motorcycles; CCU is cars and trucks.
Programs
Edge: Consumers Credit UnionCCU's full five-goal coverage, including co-signer changes, edges MACU's four.
Choose Consumers Credit Union if
- You live outside the Mountain West
- You need a co-signer added or removed
- You want the network's featured all-rounder
Choose Mountain America Credit Union if
- You are in the footprint and want money this week
- The vehicle is an RV, boat, or motorcycle
- You want the checking-discounted 4.99% published floor
Inside the Mountain West with a standard goal, MACU's speed and published floor are hard to pass up. Everywhere else, or for co-signer work, CCU is the answer. The match applies the geography for you.
Frequently asked questions
Can I use Mountain America outside Utah?
MACU serves a six-state Mountain West footprint. Outside it, the match routes you to nationwide lenders like CCU, PenFed, and DCU.
Which is cheaper?
Published and estimated floors are close (4.99% with discount at MACU, estimated 5.24% at CCU). Your profile and discounts decide the real gap.