Featured Savings Rates
Featured Accounts

Mountain America Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.25%1-year CD12 Month Term Deposit Plus
2.10%4-year CD4 Year Term Deposit Plus
1.80%3-year CD3 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

5 Yr Cd Rate Decrease - 12/16/2017

I am a newcomer to depositaccounts.com but it's truly love at first sight. Call me crazy if I'm wrong but looking at Mountain America's website it seems like as of 12/16 the 5 yr cd APY went from 2.8% to 2.6%. Apologies if wrong but wanted to get it out there.

Mountain America Hikes 5-Year Term Deposit - 11/20/2017

Mountain America CU (easy membership) has raised the rate on its 5-year Term Deposit (2.80% APY, $500 min). Also as a Term Deposit Plus, with unlimited deposits.

Mountain America CU Ups 5 Year CD APY. - 11/18/2017

Mountain America CU raised the APY on its top rated 5 year CD (from 2.60%) to 2.80% today, Friday 11-17-17. Easy membership, but harsh EWP.

View all posts from:


Mountain America Credit Union

Posted by: Ersoftsm | Oct 19, 2017

I have been with my bank for almost a decade. I continue to stay with them because they have convenient locations and their customer service is amazing. I had overdrafted in my checking account after I had miscalculated my balance one time. I had over $80 in overdraft fees. I called them up and explained it was a honest mistake and they reversed the charges. This is the reason I will continue to stay with them.

Excels in service

I have banked with Mountain American Credit Union for nearly two decades. They began as a smaller credit union and took over a smaller institution that was owned by a previously employer of mine. I decided to stay on as a customer and have always been treated extremely well. Each employee is gracious, kind, friendly, and very professional. The products are top notch and I am very happy to be a customer.

No Bump-Up

Posted by: brskun | Sep 25, 2017

FYI -
Just spoke to rep. She said that 5-year CD does not have a bump-up feature.

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.

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Health

Health Grade Components

Overall
NCUA #24692
Year Chartered1936
Employees1620
Primary Regulator
Profit Margin
Return on Assets - YTD1.39%
Return on Equity - YTD15.15%
Annual Interest Income$188.9MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$6.96B$5.90B
LoansQ3 2017vs Q3 2016$5.95B$5.04B
DepositsQ3 2017vs Q3 2016$5.73B$4.83B
Equity CapitalQ3 2017vs Q3 2016$628.2MM$537.0MM
Loan Loss AllowanceQ3 2017vs Q3 2016$35.1MM$29.9MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$28.6MM$30.3MM
Real Estate OwnedQ3 2017vs Q3 2016$6.6MM$4.9MM
  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.

5 Yr Cd Rate Decrease

nao597   |  
I am a newcomer to depositaccounts.com but it's truly love at first sight. Call me crazy if I'm wrong but looking at Mountain America's website it seems like as of 12/16 the 5 yr cd APY went from 2.8% to 2.6%. Apologies if wrong but wanted to get it out there.

Mountain America CU Ups 5 Year CD APY.

cumulus   |  
Mountain America CU raised the APY on its top rated 5 year CD (from 2.60%) to 2.80% today, Friday 11-17-17. Easy membership, but harsh EWP.

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
0.50%*$20k*-Business Analysis Checking Earnings Credit
OTHER TIERS: 0.20% Up to $20k
0.50%*$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%--60 Month Youth Term Deposit
2.60%$500-5 Year Term Deposit Special
2.60%-$100k5 Year Term Deposit Plus Special
2.60%$500-Business 5 Year Term Deposit Special
2.36%--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
2.05%--36 Month Youth Term Deposit
1.80%$500-3 Year Term Deposit
1.80%$500-Business 3 Year Term Deposit
1.80%-$100k3 Year Term Deposit Plus
1.65%--24 Month Youth Term Deposit
1.50%$500-30 Month Term Deposit
1.50%--12 Month Youth Term Deposit
1.50%$500-Business 30 Month Term Deposit
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
1.30%$500-18 Month Term Deposit
1.30%-$100k18 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 Special
2.10%$500-4 Year IRA
1.80%$500-3 Year IRA
1.50%$500-30 Month IRA
1.40%$500-24 Month IRA
1.30%$500-18 Month IRA
1.25%$500-12 Month IRA
0.60%$500-6 Month IRA
Locations

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