Featured Savings Rates
Featured Accounts

Mountain America Credit Union

Popular Accounts at this Credit Union

2.50%5-year CD60 Month Term Deposit
2.50%5-year IRA60 Month IRA (Traditional, Roth)
1.25%18-month IRA18 Month IRA (Traditional, Roth)

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: "post bump-up" rate announced - 4/15/2017

5 yrs. 2.50% APY They also offer: 4 yrs. 2.10% APY; 3 yrs. 1.75% APY other rates at https://www.macu.com/rates#TermDeposit-Tab

Deadline For 2.75% APY 5-Year Bump Term Deposit - 4/10/2017

I just received an email from Mountain America saying that this promotion was scheduled to terminate on 4/14, and that Term Deposit accounts should be opened by that date.

Mountain America CU Adds 5-Year CD With Bump Option - 2/13/2017

Mountain America CU (easy membership) has added a limited-time 5-year CD (2.75% APY), which also offers a one-time rate increase. Minimum deposit is $500.

View all posts from:

Absolutely A Great C.U.

Posted by: gbtexas | May 27, 2017

I would recommend this place any day of the week, in spite of a few shortcomings. On the whole the Customer service reps are extraordinarily friendly, with most able to help.

One shortcoming is their preferred mailing address to send the $ to fund a CD. My experience is that mailing it to one of the branches in West Jordan produces more rapid results, whereas one time it took them 3 days after racing my check to credit it to my CDs. I was told that they received so many checks that it took them from Monday to Wednesday to get caught up. Hmm, I thought. Does this seem plausible. My conclusion was that it was possible, but extremely unlikely, that is unless only one person was doing the work.

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!

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 - YTD1.3%
Return on Equity - YTD14.01%
Annual Interest Income$207.7MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$6.06B$5.08B
LoansQ4 2016vs Q4 2015$5.15B$4.41B
DepositsQ4 2016vs Q4 2015$4.98B$4.17B
Equity CapitalQ4 2016vs Q4 2015$556.7MM$478.7MM
Loan Loss AllowanceQ4 2016vs Q4 2015$30.7MM$29.9MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$33.6MM$40.8MM
Real Estate OwnedQ4 2016vs Q4 2015$6.7MM$2.8MM
  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: "post bump-up" rate announced

alan1   |  
5 yrs. 2.50% APY

They also offer:
4 yrs. 2.10% APY;
3 yrs. 1.75% APY

other rates at https://www.macu.com/rates#TermDeposit-Tab

Deadline For 2.75% APY 5-Year Bump Term Deposit

ChasR   |  
I just received an email from Mountain America saying that this promotion was scheduled to terminate on 4/14, and that Term Deposit accounts should be opened by that date.

Report an Issue

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 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

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

Mountain America Credit Union CD Rates

2.50%$500-60 Month Term Deposit
2.50%$25-60 Month Youth Term Deposit
2.50%$500-Business 5 Year Term Deposit
2.10%$500-4 Year Term Deposit
2.10%$25-48 Month Youth Term Deposit
2.10%$500-Business 4 Year Term Deposit
1.75%$500-3 Year Term Deposit
1.75%$25-36 Month Youth term Deposit
1.75%$500-Business 3 Year Term Deposit
1.50%$500-30 Month Term Deposit
1.50%$500-Business 30 Month Term Deposit
1.40%$500-24 Month Term Deposit
1.40%$25-24 Month Youth Term Deposit
1.40%$500-Business 24 Month Term Deposit
1.25%$500-18 Month Term Deposit
1.20%$500-12 Month Term Deposit
1.20%$25-12 Month Youth Term Deposit
1.20%$500-Business 12 Month Term Deposit
0.55%$500-6 Month Term Deposit
0.55%$500-Business 6 Month Term Deposit

Mountain America Credit Union IRA Rates

2.50%$500-60 Month IRA
2.10%$500-48 Month IRA
1.75%$500-36 Month IRA
1.50%$500-30 Month IRA
1.40%$500-24 Month IRA
1.25%$500-18 Month IRA
1.20%$500-12 Month IRA
0.55%$500-6 Month IRA

Mountain America Credit Union has 89 locations. Click to view all Mountain America Credit Union locations.