Mountain America Credit Union Bonuses and Promotions
Mountain America Credit Union bonuses and promotions include checking account bonuses, promotional borrowing rates, and member benefits for qualifying Utah consumers.
This page tracks current Mountain America Credit Union bonuses and promotions, including checking, savings, business banking, credit cards, promotional rates, referral programs, and member deals. Offers can change, so verify the current terms with Mountain America before applying or opening an account.
For a broader look at accounts, loans, credit cards, and membership, see our Mountain America Credit Union Overview.
Some promotions may not be publicly advertised. Financial institutions may offer branch-only, relationship-based, preselected, or targeted promotions to certain customers. UtahFi includes offers that can be verified through public or otherwise reliable official sources, so additional promotions may be available to you directly through the institution.
Quick Summary
Mountain America Credit Union bonuses and promotions currently have a mix of checking incentives, promotional borrowing rates, and ongoing member benefits. Some offers are restricted to specific groups or products rather than being available to every member.
| Category | Current Offers |
|---|---|
| Checking Account Bonuses | $150 MyStyle Checking bonus for qualifying Select Employer participants |
| Savings Account Bonuses | None identified |
| Business Account Bonuses | No public business account signup bonus identified |
| Credit Card Bonuses | No current public welcome bonus identified |
| Promotional Rates | 3.74% introductory HELOC APR, auto loans as low as 4.99% APR, MyStyle 0.25% eligible-loan discount, and Skip-a-Pay |
| Referral Programs | No public Utah consumer or business customer referral bonus identified |
| Member Deals and Discounts | MyStyle Checking rewards, shopping and entertainment discounts, telehealth, mobile phone protection, and other member benefits |
Checking Account Bonuses
Current Mountain America Credit Union promotions include a $150 MyStyle Checking bonus for qualifying Select Employer participants. This is a restricted offer rather than a general new-member checking bonus, and applicants must open a new MyStyle Checking account and establish an eligible monthly direct deposit within 60 days.
$150 Select Employer MyStyle Checking Bonus
Qualifying participants can earn a $150 cash bonus by opening a new MyStyle Checking account and meeting the direct deposit requirement.
| Detail | Offer |
|---|---|
| Bonus | $150 |
| Product type | Personal checking |
| Account | MyStyle Checking |
| Minimum to open | No separate promotional minimum opening deposit identified beyond Mountain America’s standard account-opening and membership requirements |
| How to earn it | Open a new MyStyle Checking account with eStatements using promo code SEMYSTYLE2026 and initiate an eligible monthly direct deposit within 60 days of account opening. |
| Direct deposit requirement | Initiate an eligible monthly direct deposit within 60 days of opening the account |
| Required holding period | No separate promotional holding period was identified in the publicly available offer terms beyond keeping the account open long enough to satisfy the requirements and receive the reward |
| Monthly service fee | $7 per month. The fee can be waived with 20 or more monthly debit and/or credit card transactions. It is also automatically waived for members age 24 or younger, age 60 or older, or who maintain a $10,000 average daily balance in MyStyle Checking. |
| Potential 12-month account cost | $0 if a fee-waiver requirement is met each month. Otherwise, up to about $84 over 12 months at the current $7 monthly service fee. |
| Potential bonus after monthly fees | Up to $150 before taxes and other fees if the monthly service fee is avoided. About $66 before taxes and other fees if the $7 monthly fee is incurred for all 12 months. |
| Bonus timing | The $150 reward is deposited within 30 business days after the promotion requirements are met |
| Fine print | Limit one reward per person. The offer is not available on secondary accounts, business accounts, account conversions, or in combination with another offer. Mountain America employees are not eligible. The reward is treated as interest and may be reported on IRS Form 1099-INT. The effective value of the bonus can be reduced if the MyStyle Checking monthly service fee is not waived. |
| Expiration date | December 31, 2026 |
| Availability | Available to eligible Utah applicants participating through a qualifying Mountain America Select Employer relationship |
| Who qualifies | Eligible Select Employer participants who qualify for Mountain America Credit Union membership, open a new MyStyle Checking account under the promotion, and meet the required direct deposit and other offer conditions. |
Important: This is a restricted Select Employer promotion rather than a general checking bonus available to every new Mountain America member. The full $150 can be preserved if the MyStyle Checking monthly service fee is waived; otherwise, monthly fees can reduce the effective value of the bonus.
More official info: Mountain America Select Employer MyStyle Checking Offer
Savings Account Bonuses
Current Mountain America Credit Union promotions do not include a publicly advertised signup bonus specifically for opening a personal savings account. Mountain America offers Primary Savings and other savings products, but UtahFi did not identify a separate current cash bonus, sweepstakes, or other qualifying savings incentive available to Utah members.
No savings account bonuses are available at this time.
Business Account Bonuses
Current Mountain America Credit Union promotions do not include a publicly advertised signup bonus for opening a business checking, business savings, or other business deposit account in Utah. Mountain America offers several business checking options, merchant services, SBA lending, and other business banking services, but UtahFi did not identify a current public cash bonus or limited-time business account incentive.
No business account bonuses are available at this time.
Credit Card Bonuses
Current Mountain America Credit Union promotions do not include a publicly advertised welcome bonus for its consumer or business credit cards. Mountain America continues to offer rewards and cash back on eligible cards, but its limited-time double-points promotion for the consumer Rewards Visa expired July 31, 2026.
Consumer Credit Cards
Mountain America currently offers Low Rate Visa, Rewards Visa, Cash Back Visa, and secured credit card options. These cards have ongoing features and rewards, but UtahFi did not identify a current public signup or welcome bonus available to qualifying Utah applicants.
No consumer credit card welcome bonuses are available at this time.
More official info: Mountain America Consumer Credit Cards
Business Credit Cards
Mountain America also offers business credit cards, including Business Low Rate and Business Rewards options. The Business Rewards card earns points on eligible purchases, but UtahFi did not identify a current public welcome bonus or limited-time signup offer for qualifying Utah businesses.
No business credit card welcome bonuses are available at this time.
More official info: Mountain America Business Credit Cards
Promotional Rates
Current Mountain America Credit Union promotions include a 3.74% introductory HELOC APR, auto loan rates as low as 4.99% APR, and a 0% APR balance transfer offer for qualifying credit card balances. These are limited-time financing offers, and the lowest advertised rates depend on the specific promotion and borrower eligibility.
3.74% Introductory HELOC APR
Mountain America currently offers a 3.74% introductory APR for the first six months on qualifying new home equity lines of credit and qualifying credit-line increases.
| Detail | Offer |
|---|---|
| Promotional rate | 3.74% introductory APR |
| Product type | Home equity line of credit (HELOC) |
| Promotional period | First 6 months after closing |
| Rate after promotion | Variable APR currently ranging from 7.25% to 18.00%, depending on creditworthiness |
| How to qualify | Open a qualifying new home equity line of credit or obtain a qualifying credit-line increase of $20,000 or more and meet Mountain America’s credit and underwriting requirements. |
| Potential cost | Interest applies to borrowed amounts. After the introductory period, the APR converts to a variable rate based on the prime rate plus a margin and may change monthly. |
| Fine print | Loans are subject to credit approval. The 3.74% introductory APR applies for the first six months after closing. Afterward, the APR becomes variable. The current post-promotional range is 7.25% to 18.00% depending on creditworthiness. Terms, conditions, and exclusions apply. |
| Expiration date | No published expiration date. The limited-time offer began July 1, 2026 and can change or be withdrawn at any time. |
| Availability | Available to qualifying Utah borrowers through Mountain America |
| Who qualifies | Eligible Mountain America members approved for a qualifying new HELOC or qualifying credit-line increase of $20,000 or more |
Important: The 3.74% APR lasts only for the first six months. After that, the HELOC converts to a variable APR that may change monthly, so the borrowing cost can increase substantially from the introductory rate.
More official info: Mountain America HELOC Offer
Auto Loans as Low as 4.99% APR
Mountain America currently advertises new and used auto loans as low as 4.99% APR for a limited time. The lowest advertised rate includes Mountain America’s 0.25% MyStyle Checking loan-rate discount.
| Detail | Offer |
|---|---|
| Promotional rate | As low as 4.99% APR |
| Product type | New and used auto loans |
| Promotional period | Limited-time offer |
| Rate after promotion | Not applicable once a fixed-rate loan is originated; rates offered to future applicants may change |
| How to qualify | Apply for a qualifying new or used auto loan, meet Mountain America’s credit requirements, and qualify for the MyStyle Checking loan-rate discount to receive the lowest advertised APR. |
| Potential cost | Total interest depends on the approved APR, amount borrowed, and repayment term. Mountain America currently lists $0 application, origination, and document fees and $0 prepayment penalty for its auto loans; title fees can vary by state and county. |
| Fine print | The 4.99% APR is an “as low as” rate and is not guaranteed for every borrower. The advertised APR includes a 0.25% MyStyle Checking loan-rate discount on select new loans. Actual APR depends on creditworthiness. Other loan terms and rates are available. |
| Expiration date | No published expiration date; advertised as a limited-time offer |
| Availability | Available to qualifying Utah borrowers through Mountain America |
| Who qualifies | Eligible Mountain America members approved for a qualifying new or used auto loan; the lowest advertised APR includes the MyStyle Checking discount |
Important: The advertised 4.99% APR already includes Mountain America’s 0.25% MyStyle Checking loan-rate discount, so the discount is not a separate promotional rate. Borrowers who do not qualify for the discount or Mountain America’s lowest pricing may receive a higher APR.
More official info: Mountain America Auto Loan Rates
0% Balance Transfer APR for 6 Months
For a limited time, Mountain America offers 0% APR for six months when qualifying balances are transferred to a Mountain America credit card.
| Detail | Offer |
|---|---|
| Promotional rate | 0% APR on qualifying balance transfers |
| Product type | Credit card balance transfer |
| Promotional period | 6 months |
| Rate after promotion | The applicable Mountain America credit card APR applies after the promotional period |
| How to qualify | Transfer an eligible balance to a qualifying Mountain America credit card during the limited-time promotion and meet the applicable card and transfer requirements. |
| Potential cost | The transferred balance receives 0% APR during the six-month promotional period. Any remaining balance after the promotion becomes subject to the applicable credit card APR. |
| Fine print | The 0% APR applies to qualifying balance transfers for six months and does not mean the transferred debt is forgiven. Card approval, credit limits, eligible transfers, and other terms and conditions apply. Review Mountain America’s current balance-transfer terms before transferring debt. |
| Expiration date | No published expiration date; advertised as a limited-time offer |
| Availability | Available to qualifying Mountain America credit card applicants and cardholders in Utah, subject to offer terms |
| Who qualifies | Eligible Mountain America members who qualify for a participating credit card and meet the balance-transfer requirements |
Important: The 0% APR lasts for six months. Any qualifying transferred balance remaining after the promotional period becomes subject to the applicable credit card APR, so paying down the balance during the introductory period can materially affect the total interest cost.
More official info: Mountain America Current Offers
Referral Programs
We did not identify a current public Mountain America Credit Union promotion that rewards Utah members or business customers for referring another person to the credit union. Mountain America may run referral offers for specific markets or audiences, but those should not be treated as a general Utah referral program.
No public consumer or business customer referral bonus is currently available in Utah.
Member Deals and Discounts
Current Mountain America Credit Union promotions include ongoing MyStyle Checking benefits that can provide value through rewards, shopping and entertainment discounts, telehealth, mobile phone protection, and other member perks. These are not cash signup bonuses, and individual benefits, discounts, and redemption options can change over time.
MyStyle Checking Benefits
Qualifying MyStyle Checking members can access a collection of ongoing benefits, including rewards and discounts that extend beyond standard checking-account features.
| Detail | Offer |
|---|---|
| Offer | Rewards, shopping and entertainment discounts, telehealth, mobile phone protection, identity-related benefits, and eligible loan-rate discounts |
| Product type | Checking-account member benefits |
| Account | MyStyle Checking |
| How to qualify | Maintain an eligible MyStyle Checking account. Some benefits require separate registration or activation through Mountain America online banking or the mobile app. |
| Potential cost | MyStyle Checking has a $7 monthly service fee unless a waiver requirement is met. |
| Fine print | Individual benefits have separate terms, conditions, exclusions, and eligibility requirements. Shopping and entertainment offers can change, and some benefits require activation before use. Insurance-related benefits are not NCUA-insured deposits. |
| Expiration date | No overall expiration date; individual benefits and discounts may change or expire |
| Availability | Available to qualifying MyStyle Checking members in Utah, subject to the terms of each benefit |
| Who qualifies | Eligible Mountain America members with an active MyStyle Checking account, subject to individual benefit requirements |
Important: Mountain America does not publish every shopping or entertainment discount as a permanent offer. MyStyle members access current benefits through online banking or the Mountain America mobile app, so participating merchants, discounts, and expiration dates can vary.
More official info: Mountain America MyStyle Checking Benefits
MySelect Rewards
MyStyle Checking members can also earn points through MySelect Rewards and redeem them for options such as travel rebates, gift cards, event tickets, experiences, and other available rewards.
| Detail | Offer |
|---|---|
| Offer | Earn points toward travel rebates, gift cards, event tickets, experiences, and other available rewards |
| Product type | Rewards program |
| Account | MyStyle Checking |
| How to qualify | Maintain MyStyle Checking and earn points through qualifying account activity. Points earned through an eligible Mountain America Rewards credit card can also be combined with MyStyle Checking rewards points. |
| Potential cost | MyStyle Checking has a $7 monthly service fee unless a waiver requirement is met. Individual rewards may have separate redemption requirements. |
| Fine print | Eligible activities, point values, redemption choices, and program terms can change. Rewards availability depends on the current MySelect Rewards catalog and applicable program rules. |
| Expiration date | No published program expiration date; rewards and redemption options may change |
| Availability | Available to qualifying MyStyle Checking members in Utah |
| Who qualifies | Eligible Mountain America members participating in MySelect Rewards through MyStyle Checking |
More official info: Mountain America MySelect Rewards
Frequently Asked Questions
These FAQs cover the most important details about current Mountain America Credit Union promotions, including checking bonuses, promotional rates, credit card offers, eligibility, and offers that may not be publicly advertised.
Does Mountain America Credit Union currently offer a new-member bonus?
Mountain America currently advertises a $150 MyStyle Checking bonus for qualifying Select Employer participants. This is a restricted promotion rather than a general new-member bonus available to everyone who joins Mountain America.
Does Mountain America Credit Union have a checking account bonus?
Yes. Eligible Select Employer participants can earn a $150 bonus by opening a new MyStyle Checking account with eStatements and initiating an eligible monthly direct deposit within 60 days. The current offer expires December 31, 2026.
Does Mountain America Credit Union offer savings or business account bonuses?
UtahFi did not identify a current public signup bonus specifically for Mountain America personal savings accounts or business deposit accounts in Utah.
Does Mountain America Credit Union offer credit card promotions?
Mountain America does not currently advertise a public welcome bonus for its consumer or business credit cards. However, it currently offers 0% APR for six months on qualifying credit card balance transfers as a limited-time promotional rate.
What promotional loan rates does Mountain America Credit Union offer?
Mountain America currently advertises a 3.74% introductory APR for the first six months on qualifying HELOCs and new and used auto loan rates as low as 4.99% APR. The advertised auto rate includes a 0.25% MyStyle Checking loan-rate discount and is not guaranteed for every borrower.
Can existing Mountain America members qualify for promotions?
Yes. Eligibility depends on the individual offer. Some promotional rates and MyStyle Checking benefits can be available to existing members who meet the requirements, while signup bonuses may be limited to new accounts, specific groups, or other qualifying participants.
Who can join Mountain America Credit Union?
Mountain America membership is available through several eligibility paths, including geographic, family, household, and employer relationships. Utah residents can qualify for membership through Mountain America’s applicable Utah membership requirements.
Can Mountain America Credit Union have promotions that are not advertised publicly?
Yes. Mountain America may provide branch-only offers, targeted mail or email promotions, online or mobile banking offers, preselected offers, relationship-based incentives, or member-specific promotions that do not appear on its public website. UtahFi primarily documents Mountain America Credit Union bonuses and promotions that can be reliably verified through public or otherwise reliable official sources.
How often do Mountain America Credit Union promotions change?
Mountain America promotions can change throughout the year. Signup bonuses, promotional rates, credit card offers, and member discounts may have different expiration dates or be changed or withdrawn, so check the current official terms before applying.
Disclaimer: Promotions, bonuses, rates, eligibility requirements, and other offer terms may change or be discontinued without prior notice. UtahFi works to keep this information current but cannot guarantee that all offer details remain unchanged. Always verify the latest terms and conditions directly with the financial institution before opening an account, applying for a product, or participating in an offer.
