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7181 S Campus View Dr
West Jordan, UT 84084-4312

Mountain America Credit Union is a Utah-based, federally chartered credit union that serves hundreds of thousands of members through numerous branches located in the American West. The credit union provides a range of financial services and products, from deposit accounts and investment products to consumer and small business loans.

On its personal banking side, MACU offers checking, savings, money market, term deposit, and IRA accounts, as well as youth products. Its free checking account offer comes with free online banking, bill pay, and a MACU Visa debit card. The credit union’s saving account provides easy access to funds, a daily compounded interest rate, and quick fund transfer capabilities. Money market accounts have a minimum balance requirement and offer the earnings of a CD with the flexibility of a savings account. Term deposits functions as CDs and are available in term lengths ranging from 6 months to 5 years. MACU has a section of their website devoted to youth products and games. One account designed for teenagers offers quarterly member drawings for nice prizes.

Mountain America Credit Union online banking provides easy account integration into Quicken or other financial management software so members can budget and plan out their finances. The web-based banking platform also allows members to transfer funds, view copies of cleared checks, deposit checks from home, and pay bills. MACU’s mobile banking apps allow the same functions and provide a convenient and quick for members to manage their accounts on the run.

MACU was originally formed in 1934 as the Salt Lake Telephone Employees Credit Union in order to serve employees of the Utah-based telephone company. 50 years later, in 1984, the credit union merged with Postal Workers Credit Union and changed its name to Mountain America Credit Union to better reflect its growing membership geography. The credit union is headquartered in West Jordan, Utah.

Field of Membership Restrictions

Mountain America Credit Union membership is open to members of the American Consumer Council. Anyone can join this council. You can also be eligible for credit union membership if you are a resident of one of the following counties: Salt Lake County (UT), Duchesne County (UT), Wasatch County (UT) census tract 940300, Uintah County (UT) census tract 940100 or 940200. Credit union membership is also open to anyone who is a family member or who is living with or under the same roof as existing Mountain America members. Employees or volunteers of a select employee group (SEG) or affiliated association also qualify for membership. - See Details

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Special 5-Year CD Rate at MACU - Easy Membership - 3/3/2014

Mountain America Credit Union (MACU) has just recently come out with a special 5-year CD rate that’s very competitive. It has a 2.20% APY with a $500 minimum deposit. MACU calls these Term Deposits, a ...

Reviews (7)

Our "Approved" Mortgage Refinance Was Denied After Mountain America Credit Union Officially Approved It In Writing Three Times.

Horrible!!!!  Don't bother trying to get any mortgage loan at Mountain America Credit Union!!  You won't qualify!!

I am a member here (not for long), so I thought I'd have them refinance my house.

My wife and I earn plenty of money, have no kids to pay for, and have no other debt except small student loans. We don't carry any credit card balances, we don't have car payments, and we both have excellent credit scores (near 750).

As for the house, we have owned it for nine years and we have plenty of equity in the house; we owe much less than the house is worth (75% loan to value).

Since the new Harp law went into effect this year, allowing people to refinance even if they owe more than the house is worth, and with interest rates so low, I figured now would be a great time to refinance our house.

It took SEVEN MONTHS of emails, paperwork, and many delays and mistakes on their end (entering our information wrong, telling us one thing on the phone and something completely different in an email, signing us up for the wrong program, asking for paperwork we already gave them, taking many days off and long vacations, saying we were approved and then asking for more paperwork, saying we were approved again and then pulling our credit again and asking for even more paperwork). Apparently, when Mountain America says you're approved, it doesn't actually mean that your loan is approved.
Finally, after they approved us for the third time (!?!), we got the final paperwork and they asked us if we could sign them that day (with two hours notice). Turns out, this is because they were about to have to pay to extend the rate lock, AGAIN. But since we were exhausted by their process and ready to just be done with it already, we moved appointments and meetings and agreed. We arrived at the title company and signed the loan.
You'd think it was a done deal at this point, right? WRONG!
Mountain America denied the loan ... AFTER we signed!

I would NEVER NEVER NEVER recommend Mountain America Credit Union!!!

Great Service

I have been with Mountain America Credit Union for 10 years now all because of the excellent customer service they gave me about 6 years ago. I had had my car broken into and they took everything my Viza cards, my checkbook and all the cash I had. I immediately called my bank and shut off my cards but it was too late they had already used my checks and cards and spent over $500. I was devastated. This all happened on a Friday after closing time, so on Monday I went into my bank to tell them what happened. They immediately changed my bank account number helped me total up all that had been spend and instantly gave it all back to me no questions asked. And as for the rest of the checks they put a stop to all the rest of them and notified me when one tried to come through. Thanks so much Mountain America Credit Union I have enjoyed being a member of your bank and will continue to.

Great Services, But Terrible Customer Service And Do No Get A Mortgage Loan From Them.

I know this is my first review on deposit accounts, but I am just wanting to let everyone know to stay away from Mt. America if you are doing a mortgage loan. We have been with Mt. America for years now. We have had two auto loans. A personal loan for school as well has many other accounts with them. During our home loan we have had the worst service and have been completely flat our disrespected when going through the process. After being told we would not have to pay anything and it was a 100% mortgage and that we would be able to close three weeks early. It is now a day after our official closing date and we have to come up with close to $3,500. This was never mentioned during the entire 2 month process to us until this day. So make sure you have plenty of savings to pay for hidden fees and last minute changes to your agreement. On Friday when supposed to be closing our mortgage person told us we would be able to close at 5pm and he would send the documents over to be signed. Around 5:30pm and not receiving any documents we called the branch to find out our mortgage guy just left and didn't handle anything at all on our last day to close. After multiple calls and a few messages to the Mortgage person. Nothing was completed and none of the calls or messages were answered. Very unprofessional! Lastly after messing up everything, surprise fees, extra payments, no notice, no follow up and missing our closing date. I had to contact them this morning in order to have anything started. Now we are waiting until 4pm today to close and will not fund and record until tomorrow. This may not be the worst story out there, but after being handled this way I would never want anyone to have to go through what we went through to buy a house. Look elsewhere

Review Opening Account

Was pretty straight foward was 4 calls total as of 3/20 best easy rate going. Starterd online application called in with # of application. Was help with establishing rest of application given choice to electronically signing documents and disclosures called back given Account# went to share branch deposited money called back and was told 2day hold called again and asked to fund CD out of share NO problem hold one min came back DONE will send in mail thanked her and left



after establishing share account CD's can be openned through online banking with ACH

*Wish I knew ahead would of saved me the 2 day hold

Though not sure how fast Mountains ACH is?

10 day grace at end of term


POD go for all accounts or set indiv allowed more than one if needed  


All in All very helpful Customer Service answered every question I had

Mortgage Service

I gave them 1 star because 0 was not an option.  If anyone is even considering getting a mortgage through mountain america please stay completely away.  I would not wish the headache they have caused us on anyone.  You can not believe anything they say.  First when we went to close on our loan, they had made a mistake and one of the draw lines for our construction shouldn't have have been there.  We had used the money that we thought was available.  If I had known the money wasn't really available, I would have made changes to my house.  It was there mistake, but they did not care,  I had to pony up 19K that I did not have in order to close the loan.  Since I had no choice, I ended up going into my 401K.  It has been nothing but a nightmare since.  Everything from customer service to you name it is terrible.  Another thing if these people tell you something on the phone I suggest you get it in writing.  The bottom line is if anyone reading this review goes on with mountain america for a mortgage, then you deserve every bit of headache coming your way.

Horible Mortgage Department

I have had bank accounts for 20 years with MACU and have liked their service. So when I decided to refinance 2 home loans I naturally thought I would go with MACU.

What a bad decision. They are slow, don't follow through, make error after error, will not give you the amount to bring to closing (even up to an hour before closing), change the closing date and time appointment without notification... I could go on and on.

I will never use their mortgage department again.

Quite Sloppy For A Bank

Account mistakes are much too frequent. I have tried for over 5 months to download my eStatements and have yet to be successful. Interest rates are a joke, as are typical of the industry. On several occasions I have gone to withdraw cash and they did not have enough on hand. I rate them poor and am seriously considering closing my accounts.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Mountain America Credit Union had $21.8 million in non-current loans and owned real-estate with $388.12 million in equity and loan loss allowances on hand to cover it. This gives Mountain America Credit Union a Texas Ratio of 5.62% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Mountain America Credit Union decreased slightly from 7.66% as of March 31, 2013 to 5.62% as of March 31, 2014, resulting in a positive change of 26.71%.This indicates that the balance sheet and financial strength for Mountain America Credit Union has improved slightly in recent periods.

Deposit Growth


In the past year, Mountain America Credit Union has increased its total deposits by $263.04 million, resulting in 8.17% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Mountain America Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Mountain America Credit Union has $3.87 billion in assets with $388.12 million in equity, resulting in a capitalization level of 10.03%, which is above average.

Institution Statistics

NCUA #24692
Year Chartered1936
Primary Regulator
Assets and Liabilities
Assets$3.87 billion
Loans$3.06 billion
Deposits$3.48 billion
Equity Capital$358.34 million
Loan Loss Allowance$29.78 million
Unbacked Noncurrent Loans$18.96 million
Real Estate Owned$2.84 million
Historic Data - March 2013
Assets$3.54 billion
Equity Capital$298.68 million
Loan Loss Allowance$40.80 million
Unbacked Noncurrent Loans$18.96 million
Real Estate Owned$2.21 million
Profit Margin - Quarterly
Net Interest Margin0.95%
Return on Assets1.86%
Return on Equity20.05%
Interest Income$34.44 million

Always verify rates and promotions with the bank or credit union. We are not Mountain America Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Mountain America Credit Union Savings Account Rates

0.15%--Business Health Savings Account
0.10%$100-Primary Savings
0.10%--Secondary Savings
0.10%$100-Business Primary Savings
0.10%--Business Secondary Savings

Mountain America Credit Union Money Market Rates

0.30%$250k-Money Market Account
0.30%$250k-IRA Money Market Account
0.30%$250k-Business Money Market

Mountain America Credit Union Checking Account Rates

0.30%$20k-Business Analysis Checking Earnings Credit
0.30%$100k-Business Sweep
0.20%$20k-Business Growth Checking
0.10%$1k-MyStyle Checking

Mountain America Credit Union CD Rates

2.20%$500-60 Month CD
2.20%$25-60 Month Youth CD
2.20%$500-Business 5 Year CD
1.15%$500-48 Month CD
1.15%$25-48 Month Youth CD
1.15%$500-Business 4 Year CD
0.95%$500-36 Month CD
0.95%$25-36 Month Youth CD
0.95%$500-Business 3 Year CD
0.60%$500-30 Month CD
0.60%$500-Business 30 Month CD
0.50%$500-18 Month CD
0.50%$500-24 Month CD
0.50%$25-24 Month Youth CD
0.50%$500-Business 24 Month CD
0.45%$500-12 Month CD
0.45%$25-12 Month Youth CD
0.45%$500-Business 12 Month CD
0.25%$500-6 Month CD
0.25%$500-Business 6 Month CD

Mountain America Credit Union IRA Rates

2.20%$500-60 Month IRA
1.15%$500-48 Month IRA
0.95%$500-36 Month IRA
0.60%$500-30 Month IRA
0.50%$500-18 Month IRA
0.50%$500-24 Month IRA
0.45%$500-12 Month IRA
0.25%$500-6 Month IRA

Mountain America Credit Union has 77 locations. Click to view all Mountain America Credit Union locations.