Mountain America Credit Union


Overview / Commentary
800-748-4302
9800 Monroe St.
Sandy, UT 84070

Written by Jessica Merritt | Edited by Rebecca Stropoli | Published on 3/27/2025

Established in the 1930s, Mountain America Credit Union (MACU) is based in Sandy, Utah, and serves more than 1 million members. It’s the ninth-largest credit union in the U.S., with assets totaling $19 billion and more than 100 branches in states including Arizona, Idaho, Montana, Nevada and Utah. More than 50,000 fee-free ATMs are also available nationwide.

Checking: MACU offers several checking account options, including MyStyle Rewards Checking and MyFree Checking. MyStyle Rewards Checking includes features such as cash-back rewards, cellphone coverage, identity protection, and discounts on shopping and entertainment.

For these benefits, MyStyle Rewards Checking charges a $7 monthly maintenance fee, which can be waived. On the other hand, MyFree Checking is a no-frills option with zero monthly maintenance fees.

Savings: Savings options include a standard savings account, a money market account and share certificates (essentially the same as a certificate of deposit), which come in terms from six months to five years. The money market account is tiered, meaning you will get a better annual percentage yield (APY) as your balance grows. To get the top rate of 4.15%, you must have a hefty balance of at least $1 million.

Loan products, credit cards and business services are available to MACU members.

Customer service: MACU's customer service is available by phone or email or at branch locations. You can also find answers to common questions directly through the website.

Members can access digital banking services, including online banking and a mobile app, so you can manage your accounts, pay bills, deposit checks and transfer funds on the go. Additional features include mobile wallet compatibility and fraud protection tools.

Pros and cons of Mountain America Credit Union

Pros:
• Provides more than 100 branches across several states
• Allows access to more than 50,000 surcharge-free ATMs nationwide
• Offers rewards and benefits through MyStyle Rewards Checking

Cons:
• Limits membership to residents of select Utah counties, families of members, people living with current members, and employees of select employers and associations
• Charges a monthly fee for MyStyle Rewards Checking, unless you meet waiver requirements
• Requires a large balance to get a high APY for the money market account

Field of Membership Restrictions

Membership in Mountain America Credit Union is open to anyone through membership in the American Consumer Council. Membership is also open to residents of Salt Lake County, Duchesne County, and select areas of Wasatch and Uintah Counties in Utah.
See current membership details

Impressed With Customer Service And Current Rates

Posted by: |

Dealing with IRA funds seems to be challenging at some banks but I am totally impressed with all the customer service e people I have dealt with.

Had glitch when I first opened account recently but my fault as forgot I had put a freeze on last year after notifications about data breaches. When I called the support staff had incredible patience getting me setup.

Everyone I have since spoken with has been the same. I was originally disappointed not to have some online messaging process, but turns out there was no need. No delay in answering calls and get my IRA CD accounts setup with no fuss and delay either. Hope they keep some decent rates in the future, like the 5% APY on the 18 month CD.

Great 5% CD Rate (18 Months) - Positive 1St Impression

Posted by: |

Customer Service has been very attentive and top notch. Great first impressions!! Opening an account was easy. I was initially rejected online but Customer Service was able to resolve.

Currently (Mar 2025) they offer very competitive 18 month CD rates. I opened a "Growth" CD where you can even add funds to that CD throughout the life of the CD ($100K max total). The only catch - you have to deposit at least $10 every month into the Growth CD. You can set that up online.

Overall the Web site has the majority of features I'm looking for:
* 2 factor auth
* Setting up external accounts - no issues
* Opening a new CD online - no issues
* Quicken Interface - no connection issues
* Intuitive User Interface

The web site lacks (not deal breakers for me but expect these basic online banking features):
* cannot set up beneficiary online - must call
* cannot modify Maturity Option online - must call
* cannot send a secured email message - must call

Member For 5 Years

Posted by: |

I have been a member for the past 5 years and have had no regrets. I did originally have a problem with opening a new account online but called for assistance in opening one. Their personnel have always been courteous and helpful.

Their CDs have been helpful in building our online savings and there are not many banks or Credit Unions that offer Add-On CDs. Two thumbs up.

Difficulty Opening A CD

Did the online process to open a CD only to have to call them for further review. Upon calling, was sent text messages to verify identity and the picture taking didn’t work well. Sadly the only remedy offered to open a CD was to come into a local branch which would only work if you lived locally. Sadly will not be able to open a CD with them.

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Health
B+

Health Grade Components

Overall
NCUA #24692
Year Chartered1936
Employees3120
Primary Regulator
Profit Margin
Return on Assets - YTD0.95%
Return on Equity - YTD10.19%
Annual Interest Income$1.24B
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$20.21B$18.4B
LoansQ4 2024vs Q4 2023$16.76B$15.33B
DepositsQ4 2024vs Q4 2023$17.88B$16.05B
Equity CapitalQ4 2024vs Q4 2023$1.88B$1.68B
Loan Loss AllowanceQ4 2024vs Q4 2023$189MM$170.9MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$217.6MM$175.5MM
Real Estate OwnedQ4 2024vs Q4 2023$1.4MM$0
Rates
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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 cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Mountain America Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.20%$5$10kChristmas Club Certificate
0.05%$100-Primary Savings
0.05%$0-Secondary Savings
0.05%$100-Business Primary Savings
0.05%$0-Business Secondary Savings
0.05%$25-Youth Savings
0.05%$25-Teen Savings

Mountain America Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%*$1m*-Money Market
OTHER TIERS: 0.50% $0 - $2.5k | 1.00% $2.5k - $10k | 1.15% $10k - $25k | 1.70% $25k - $50k | 2.05% $50k - $100k | 2.75% $100k - $250k | 3.60% $250k - $1m
4.00%*$1m*-Money Market IRA
OTHER TIERS: 0.50% $0 - $2.5k | 1.00% $2.5k - $10k | 1.15% $10k - $25k | 1.70% $25k - $50k | 2.05% $50k - $100k | 2.75% $100k - $250k | 3.60% $250k - $1m
4.00%*$1m*-Business Money Market
OTHER TIERS: 0.50% $0 - $2.5k | 1.00% $2.5k - $10k | 1.15% $10k - $25k | 1.70% $25k - $50k | 2.05% $50k - $100k | 2.75% $100k - $250k | 3.60% $250k - $1m

Mountain America Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$250k*-Business Sweep
OTHER TIERS: 1.20% $0 - $50k | 1.45% $50k - $100k | 1.70% $100k - $250k
0.50%*$20k*-Business Growth Checking
OTHER TIERS: 0.25% $1k - $20k

Mountain America Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.35%$5$100k60 Month Youth Certificate
4.30%$5$100k12 Month Youth Certificate
4.30%$5$100k48 Month Youth Certificate
4.25%$500-60 Month Certificate
4.25%$5$100k36 Month Youth Certificate
4.25%$500-18 Month Certificate
4.25%$5$100k18 Month Growth CD
4.25%$5$100k60 Month Growth CD
4.20%$500-12 Month Certificate
4.20%$5$100k12 Month Growth CD
4.20%$5$100k48 Month Growth CD
4.20%$500-48 Month Certificate
4.15%$5$100k36 Month Growth CD
4.15%$500-36 Month Certificate
4.15%$500-6 Month Certificate Special
4.15%$5$100k6 Month Growth CD Special
4.09%$5$100k24 Month Youth Certificate
4.05%$500-30 Month Certificate
4.05%$5$100k30 Month Growth CD
4.00%$500-24 Month Certificate
4.00%$5$100k24 Month Growth CD

Mountain America Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$500-18 Month IRA
4.25%$500-60 Month IRA
4.20%$500-12 Month IRA
4.20%$500-48 Month IRA
4.15%$500-36 Month IRA
4.15%$500-6 Month IRA Special
4.05%$500-30 Month IRA
4.00%$500-24 Month IRA
Locations

Availability

Phoenix Area

Interactive local rates map


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