Mountain America Credit Union

Popular Accounts at this Credit Union

3.25%5-year CD5 Year Term Deposit Plus
3.25%5-year IRA5 Year IRA (Traditional, Roth)
2.25%1-year CD12 Month Term Deposit Plus

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 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 Credit Union Ups 5-Year Term Deposit - 7/2/2018

Mountain America Credit Union (easy membership) 5-year Term Deposit earns 3.25% APY ($500 min/no max). Also as a Term Deposit Plus, with unlimited deposits up to $100k.

Mountain America CU Union: 5-Year CD, 3.25% APY; 3.51% On Youth CD - 7/1/2018

1. Regular CD: $500 minimum 2. Rate also available on Term Deposit Plus add-on CD: $5 minimum; $10 automated monthly deposit required 3. 3.51% APY available on Youth certificates (details on Youth accounts at

Mountain America Credit Union Pushes Up 5-Year Term Deposit Rate - 6/1/2018

Mountain America CU (easy membership) 5-year Term Deposit now earns 3.15% APY ($500 min/no max). Also as a Term Deposit Plus, with unlimited deposits up to $100k.

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A Consumer Oriented bank

My experiences with Mountain America Credit Union have been superb. The fees are low, the customer service is excellent, and they seem to enjoy taking care of their customers. Having dealt with big and semi-big regional banks in the past,, MACU keeps their fees and rates low by comparison. For someone with my limited income, this is a welcome change from the past. They also offer a very reasonable overdraft fee in case you overdraw your account. In the past, if my account was overdrawn by only a few cents, I'd be hit with a large penalty. That's not the case today, and in addition to the lower penalty,, you're not hit with the fee until the next day, in case all you needed to do was transfer money from your savings into your checking account. Again, this is another BIG plus for me. All in all, I'm VERY satisfied with MACU, and I'm happy I switched to them over a year ago. I would'nt hesitate to recommend this credit union to my friends.

I'm happy with MACU

Posted by: lloydberry | Mar 1, 2018

In fact, I'm MORE than pleased with the credit union I currently belong to. My paycheck from my part time job is direct deposited into my account, and even though payday is technically Thursday, the money is always deposited into my account on Wednesday evening. It makes a big deal to me as I usually do my grocery shopping on Thursday mornings.

In addition, this credit union offers a "perk" to members that does not penalize you too severely if you should overdraw your account. The fee is $20 per transaction that you overdraw, and the daily amount you are charged is capped at $100. I have not had to use this feature yet, but it is comforting to know it's available to me if an emergency should arise. Plus, you are given 30 days to pay it back, which I imagine would be a great relief if you suddenly found yourself unemployed.

Finally, the credit union is open until 7PM, which is a great feature if you work during the day. And, I have never had a bad or uncomfortable experience while dealing face to face with one of their employees...

My Favorite

Posted by: Pochield | Apr 9, 2018

Mountain America Credit Union has been one of my favored banking institutions for over 25 years. When I first opened an account with this credit union it was called Smith's Federal Credit Union and was linked to a previous employer of mine. The branches were small, the experience personable, and the transactions felt like you were dealing with a trusted friend rather than an aloof business. Eventually, as the business expanded, the credit union was absorbed by another local institution...Mountain America. The personal style of dealing business has remained. I have a checking and savings account with Mountain America. I have also held personal loans with them and at one time a savings account for my now grown son. Whenever I need help any employee is professional, friendly, and provides very prompt and accurate service. I am very happy with this company.

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!



Health Grade Components

NCUA #24692
Year Chartered1936
Primary Regulator
Profit Margin
Return on Assets - YTD1.53%
Return on Equity - YTD16.54%
Annual Interest Income$156.7MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$7.78B$6.75B
LoansQ2 2018vs Q2 2017$6.70B$5.72B
DepositsQ2 2018vs Q2 2017$6.63B$5.56B
Equity CapitalQ2 2018vs Q2 2017$709.8MM$600.0MM
Loan Loss AllowanceQ2 2018vs Q2 2017$43.6MM$33.1MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$32.4MM$27.3MM
Real Estate OwnedQ2 2018vs Q2 2017$3.2MM$7.0MM
  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 Union: 5-Year CD, 3.25% APY; 3.51% On Youth CD

alan1   |  
1. Regular CD: $500 minimum
2. Rate also available on Term Deposit Plus add-on CD: $5 minimum; $10 automated monthly deposit required
3. 3.51% APY available on Youth certificates (details on Youth accounts at

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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

0.10%$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

0.75%*$250k*-Money Market Account
OTHER TIERS: 0.10% Up to $2.5k | 0.25% $2.5k - $10k | 0.35% $10k - $25k | 0.45% $25k - $50k | 0.55% $50k - $100k | 0.65% $100k - $250k
0.75%*$250k*-IRA Money Market Account
OTHER TIERS: 0.10% Up to $2.5k | 0.25% $2.5k - $10k | 0.35% $10k - $25k | 0.45% $25k - $50k | 0.55% $50k - $100k | 0.65% $100k - $250k
0.75%*$250k*-Business Money Market
OTHER TIERS: 0.10% Up to $2.5k | 0.25% $2.5k - $10k | 0.35% $10k - $25k | 0.45% $25k - $50k | 0.55% $50k - $100k | 0.65% $100k - $250k

Mountain America Credit Union Checking Account Rates

0.75%*$100k*-Business Sweep
OTHER TIERS: 0.25% Up to $50k | 0.45% $50k - $100k
0.65%*$20k*-Business Analysis Checking Earnings Credit
OTHER TIERS: 0.20% Up to $20k
0.30%*$20k*-Business Growth Checking
OTHER TIERS: 0.10% $1k - $20k

Mountain America Credit Union CD Rates

3.51%$5-60 Month Youth Term Deposit
3.25%$5-48 Month Youth Term Deposit
3.25%$500-Business 5 Year Term Deposit
3.25%$500-5 Year Term Deposit
3.25%$5$100k5 Year Term Deposit Plus
3.10%$5-36 Month Youth Term Deposit
3.00%$500-4 Year Term Deposit
3.00%$500-Business 4 Year Term Deposit
3.00%$5$100k4 Year Term Deposit Plus
2.90%$5-24 Month Youth Term Deposit
2.85%$500-3 Year Term Deposit
2.85%$500-Business 3 Year Term Deposit
2.85%$5$100k3 Year Term Deposit Plus
2.75%$500-30 Month Term Deposit
2.75%$500-Business 30 Month Term Deposit
2.75%$5$100k30 Month Term Deposit Plus
2.65%$500-24 Month Term Deposit
2.65%$500-Business 24 Month Term Deposit
2.65%$5$100k24 Month Term Deposit Plus
2.50%$5-12 Month Youth Term Deposit
2.30%$500-18 Month Term Deposit
2.30%$5$100k18 Month Term Deposit Plus
2.25%$500-12 Month Term Deposit
2.25%$500-Business 12 Month Term Deposit
2.25%$5$100k12 Month Term Deposit Plus
1.25%$500-6 Month Term Deposit
1.25%$500-Business 6 Month Term Deposit
1.25%$5$100k6 Month Term Deposit Plus

Mountain America Credit Union IRA Rates

3.25%$500-5 Year IRA
3.25%$5$100k5 Year IRA Term Deposit Plus
3.00%$500-4 Year IRA
3.00%$5$100k4 Year IRA Term Deposit Plus
2.85%$500-3 Year IRA
2.85%$5$100k3 Year IRA Term Deposit Plus
2.75%$500-30 Month IRA
2.75%$5$100k30 Month IRA Term Deposit Plus
2.65%$500-24 Month IRA
2.65%$5$100k24 Month IRA Term Deposit Plus
2.30%$500-18 Month IRA
2.30%$5$100k18 Month IRA Term Deposit Plus
2.25%$500-12 Month IRA
2.25%$5$100k12 Month IRA Term Deposit Plus
1.25%$500-6 Month IRA
1.25%$5$100k6 Month IRA Term Deposit Plus


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