I couldn't find any information on this, if there is some somewhere I would love to be pointed in the right direction. We are looking at a couple of financing options and the one with the lowest rate for us is through Mountain America Credit Union. However, it has a balloon payment that the dealer says people simply refinance with Mountain America at the time it is due and they've never heard any negative feedback. I am wondering if anyone here has used Mountain America Federal Credit Union (with or without a balloon payment)? What was your experience with them?