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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 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. 

Mountain America CU Offers Top Rate 5-Year CD - 8/20/2015

Mountain American CU (easy membership) raised the rate on its 5-year CD (2.30% APY). Minimum deposit is $500, with no balance cap. Also available as an IRA earning same APY.

View all posts from:

Great Service

Posted by: fordd22 | Jun 6, 2011

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.

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!

You Made Us Feel Like Crimnals Asking For Arv Loan

well Mountain America you take the cake and eat it to we have had loans with you for 8 to 9 years never missed a payment on any thing yours or our other accounts , so last year we sold our other rv,s we had with you,, to help our daughter recover from cancer surgery, and now that she is well we wanted to go back on our ret ancestry travels ,,. so we found a very nice class A coach put down a $1,000 dep and waited for a decision and after you hemmed and hawed around you told us that because we have had two houses on contract , we could not have a rv loan with them, WHAT we just paid off two rv loans with them are you discriminating because we are home owners or just to old what , this is a free country, so I guess we will just find a non dictating Mormon bank to deal with by the way we lost our deposite because of you now you owe us



Health Grade Components

NCUA #24692
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD1.45%
Return on Equity - YTD15.3%
Annual Interest Income$48.9MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$5.40B$4.48B
LoansQ1 2016vs Q1 2015$4.56B$3.87B
DepositsQ1 2016vs Q1 2015$4.47B$3.97B
Equity CapitalQ1 2016vs Q1 2015$498.1MM$427.0MM
Loan Loss AllowanceQ1 2016vs Q1 2015$28.0MM$28.8MM
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$25.9MM$27.8MM
Real Estate OwnedQ1 2016vs Q1 2015$3.8MM$1.3MM
  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 Credit Union 5-Year Term Deposit Rate

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

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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.