Featured Savings Rates
Featured Accounts

Mountain America Credit Union

Popular Accounts at this Credit Union

2.30%5-year CD60 Month CD
2.30%5-year IRA60 Month IRA (Traditional, Roth)
1.00%18-month CD18 Month CD

Overview / Commentary
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

Membership in Mountain American 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

Related Posts

Mountain America Credit Union 5-Year Term Deposit Rate - 5/1/2016

Mountain America has increased its 5-year CD rate to 2.30% APY. 

View all posts from:

Not Your Ordinary Credit Union

Posted by: Adee Vain | Oct 18, 2016

We have been with America First Credit Union since 1994 and just opened an account with Mountain America a little over 3 yrs ago. The difference between these two in customer service, products, and fee's is night and day. Great rates, low fee's and I especially love that when I lose or damage a card, I can just walk right into any branch and get a new one... with AFCU I usually have to wait 7-10 business days which is such an inconvenience!

Review Opening Account

Posted by: Duck | Mar 21, 2013

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

Answering Phones

For two days in a row I've called different branches. One in St. George Utah and one in Hurricane Utah. In both locations I've had people pick up the phone after about a 10-15 min. wait to just hang up the phone! One time they answer and told me we'll get back to you in less than 24 hours to resolve your issue (easy) and 24 hours later no call and I'm having the same issue with anyone picking up! I usually do my business through the ATM machine but that has his broken numerous times in the last month in the Hurricane area too. Up to now, I'd really like this bank but they are really struggling with answering their phones and hanging up on a customer is just unprofessional!

Avoide If You Are Apply From Out Of UT

After seeing good rates for 5 year CD I directed to apply for an account at Mountain America CU. I was able to get hold of customer service using 800 number. First time a representative said that you can open an account online and set up the CD online. So I applied for a membership savings account to become a member. BEWARE - They do a hard pull on credit. After applying, an email was sent with application id. Nothing happened for a day so I called and was directed to new application department. The representative said that I have to get my application notarized since I am out of state which was not an issue. Then when asked for opening a CD, the representative said that I will have to wire transfer a fund for CD. NO ACH TRANSFER WAS AVAILABLE TO OPEN CD. I asked to cancel the application with a hard credit pull on me and my spouse credit report.



Health Grade Components

NCUA #24692
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD1.41%
Return on Equity - YTD15.02%
Annual Interest Income$99.1MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$5.61B$4.62B
LoansQ2 2016vs Q2 2015$4.79B$4.10B
DepositsQ2 2016vs Q2 2015$4.53B$4.00B
Equity CapitalQ2 2016vs Q2 2015$518.1MM$444.4MM
Loan Loss AllowanceQ2 2016vs Q2 2015$28.8MM$28.9MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$28.0MM$36.0MM
Real Estate OwnedQ2 2016vs Q2 2015$4.3MM$1.1MM
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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

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
OTHER TIERS: 0.10% Up to $2,500 | 0.15% $2,500 - $25k | 0.20% $25k - $100k | 0.25% $100k - $250k
0.30%*$250k*-IRA Money Market Account
OTHER TIERS: 0.10% Up to $2,500 | 0.15% $2,500 - $25k | 0.20% $25k - $100k | 0.25% $100k - $250k
0.30%*$250k*-Business Money Market
OTHER TIERS: 0.10% Up to $2,500 | 0.15% $2,500 - $25k | 0.20% $25k - $100k | 0.25% $100k - $250k

Mountain America Credit Union Checking Account Rates

0.30%*$20k*-Business Analysis Checking Earnings Credit
OTHER TIERS: 0.20% Up to $20k
0.30%*$100k*-Business Sweep
OTHER TIERS: 0.15% Up to $50k | 0.20% $50k - $100k
0.20%*$20k*-Business Growth Checking
OTHER TIERS: 0.10% $1k - $20k
0.10%$1k-MyStyle Checking

Mountain America Credit Union CD Rates

2.30%$500-60 Month CD
2.30%$25-60 Month Youth CD
2.30%$500-Business 5 Year CD
1.75%$500-48 Month CD
1.75%$25-48 Month Youth CD
1.75%$500-Business 4 Year CD
1.50%$500-36 Month CD
1.50%$25-36 Month Youth CD
1.50%$500-Business 3 Year CD
1.35%$500-30 Month CD
1.35%$500-Business 30 Month CD
1.10%$500-24 Month CD
1.10%$25-24 Month Youth CD
1.10%$500-Business 24 Month CD
1.00%$500-18 Month CD
0.75%$500-12 Month CD
0.75%$25-12 Month Youth CD
0.75%$500-Business 12 Month CD
0.35%$500-6 Month CD
0.35%$500-Business 6 Month CD

Mountain America Credit Union IRA Rates

2.30%$500-60 Month IRA
1.75%$500-48 Month IRA
1.50%$500-36 Month IRA
1.35%$500-30 Month IRA
1.10%$500-24 Month IRA
1.00%$500-18 Month IRA
0.75%$500-12 Month IRA
0.35%$500-6 Month IRA

Mountain America Credit Union has 87 locations. Click to view all Mountain America Credit Union locations.