Featured Savings Rates
Featured Accounts

Mountain America Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.60%5-year CD5 Year Term Deposit Plus
1.25%1-year CD12 Month Term Deposit Plus
2.10%4-year CD4 Year Term Deposit Plus

Overview / Commentary
801-325-6228
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 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

Related Posts

Mountain America CU Unveils Term Deposit Plus With Add-On Feature - 8/16/2017

Mountain America CU has added Term Deposit Plus accounts that are add-on versions of their Term Deposit accounts. Min deposit is $5, with a $100k balance cap.

Mountain America CU Add-On CDs - 8/15/2017

"Term Deposit Plus" add-on CDs (various terms up to 5 yrs.) $5 minimum (that's not a typo) funds can be added at any time automated monthly deposit of at least $10 required https://www.macu.com/termdepositplus rates/yields (as high as 2.60% APY)  at bottom of https://www.macu.com/rates#TermDeposit-Tab

18- And 36-Month Bump-Up CDs - 8/14/2017

Mountain America just began offering two new bump-up CDs: --2.00% APY2 36-month term with a bump option based on 1.98% dividend rate --1.50% APY2 18-month term with a bump option based on 1.49% dividend rate The bump options are one-time only, based on the then prevailing posted rates for CDs of those maturities.

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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!

Be Patient: Ask Many Questions

The 5 year cd rate for out of staters is worth the trouble: Do not deposit into your local credit union share account and transfer it to them as they recommend to fund your cd. Because the IRS considers it a cash transaction. The reps think they can do an ACH transaction (no can do) its only for bill pay. Have a supervisor produce a deposit slip email it to you and mail a check to them with it and wait like I am. We shall see!

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!

Incompotent

Posted by: Droy | 10 hours ago

Probably one of the worst experiences I've ever had with any Bank in my life. Bought a used car and the bank associate had no idea how to handle paperwork, leins, power of attorney, notarizations, and the list goes on. Took over 3 weeks to get it straightened out and they didn't provide the full documentation until we got several parties involved. If you want to waste your time and get the runaround go here if you value your time go somewhere else.

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Health

Health Grade Components

Overall
NCUA #24692
Year Chartered1936
Employees1511
Primary Regulator
Profit Margin
Return on Assets - YTD1.27%
Return on Equity - YTD13.8%
Annual Interest Income$58.4MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$6.46B$5.40B
LoansQ1 2017vs Q1 2016$5.38B$4.56B
DepositsQ1 2017vs Q1 2016$5.39B$4.47B
Equity CapitalQ1 2017vs Q1 2016$576.6MM$498.1MM
Loan Loss AllowanceQ1 2017vs Q1 2016$32.0MM$28.0MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$22.0MM$25.9MM
Real Estate OwnedQ1 2017vs Q1 2016$7.8MM$3.8MM
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Mountain America CU Add-On CDs

alan1   |  
"Term Deposit Plus" add-on CDs (various terms up to 5 yrs.)
$5 minimum (that's not a typo)
funds can be added at any time
automated monthly deposit of at least $10 required
https://www.macu.com/termdepositplus

rates/yields (as high as 2.60% APY)  at bottom of https://www.macu.com/rates#TermDeposit-Tab

18- And 36-Month Bump-Up CDs

ChasR   |  
Mountain America just began offering two new bump-up CDs:
--2.00% APY2 36-month term with a bump option based on 1.98% dividend rate
--1.50% APY2 18-month term with a bump option based on 1.49% dividend rate
The bump options are one-time only, based on the then prevailing posted rates for CDs of those maturities.

Mountain America CU 5 Year CD Bump. Quick Look.

cumulus   |  
Mountain America CU raised the APY on its' 5year CD (from 2.50%) to 2.60% today (Monday, 7-31-17). Easy membership, EWP=365 days.

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
0.15%--Business HSA Checking
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

Mountain America Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.85%$25-60 Month Youth Term Deposit
2.60%$500-Business 5 Year Term Deposit
2.60%$500-5 Year Term Deposit
2.60%-$100k5 Year Term Deposit Plus
2.36%$25-48 Month Youth Term Deposit
2.10%$500-4 Year Term Deposit
2.10%$500-Business 4 Year Term Deposit
2.10%-$100k4 Year Term Deposit Plus
2.00%$500-3 Year Term Deposit
2.00%$25-36 Month Youth Term Deposit
2.00%$500-Business 3 Year Term Deposit
2.00%-$100k3 Year Term Deposit Plus
1.65%$25-24 Month Youth Term Deposit
1.50%$500-30 Month Term Deposit
1.50%$25-12 Month Youth Term Deposit
1.50%$500-Business 30 Month Term Deposit
1.50%$500-18 Month Term Deposit
1.50%-$100k18 Month Term Deposit Plus
1.50%-$100k30 Month Term Deposit Plus
1.40%$500-24 Month Term Deposit
1.40%$500-Business 24 Month Term Deposit
1.40%-$100k24 Month Term Deposit Plus
1.25%$500-12 Month Term Deposit
1.25%$500-Business 12 Month Term Deposit
1.25%-$100k12 Month Term Deposit Plus
0.60%$500-6 Month Term Deposit
0.60%$500-Business 6 Month Term Deposit
0.60%-$100k6 Month Term Deposit Plus

Mountain America Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.60%$500-5 Year IRA
2.10%$500-4 Year IRA
2.00%$500-3 Year IRA
1.50%$500-18 Month IRA
1.50%$500-30 Month IRA
1.40%$500-24 Month IRA
1.25%$500-12 Month IRA
0.60%$500-6 Month IRA
Locations

Mountain America Credit Union has 90 locations. Click to view all Mountain America Credit Union locations.