Mountain America Credit Union Promotions
Mountain America Credit Union promotions include checking account bonuses, promotional borrowing rates, and member benefits for qualifying Utah consumers.
This page tracks current Mountain America Credit Union 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.
For a clearer explanation of the terminology used throughout this page, see UtahFi’s guide to bank bonuses, promotions, rewards, and incentives.
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 include a checking account incentive, promotional borrowing rates, and ongoing member benefits. Eligibility requirements vary by offer, and some promotions are restricted to specific accounts or products.
| Category | Current Offers |
|---|---|
| Checking Account Bonuses | $150 MyStyle Checking bonus for qualifying new accounts; expires December 31, 2026 |
| 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 | 3.99% introductory HELOC APR for six months; auto loans as low as 5.24% APR (including MyStyle Checking discount); 0% APR on qualifying credit card balance transfers for six months through October 31, 2026 |
| 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 applicants. To earn the bonus, applicants must open a new MyStyle Checking account with eStatements and initiate an eligible monthly direct deposit within 60 days. The offer expires December 31, 2026, but may be changed or withdrawn earlier.
$150 MyStyle Checking Bonus
Qualifying applicants can earn a $150 cash bonus by opening a new MyStyle Checking account and meeting the direct deposit requirement using promotional code SE150MS.
| Detail | Offer |
|---|---|
| Bonus | $150 |
| Product type | Personal checking |
| Account | MyStyle Checking |
| Minimum to open | $0 for MyStyle Checking. Mountain America membership eligibility requirements apply. |
| How to earn it | Open a new MyStyle Checking account with eStatements using promo code SE150MS and initiate an eligible monthly direct deposit within 60 days of account opening. |
| Direct deposit requirement | Initiate a monthly direct deposit, such as payroll, pension, unemployment, Social Security, or other government benefits, within 60 days of opening the account. |
| Required holding period | No separate minimum holding period is specified in the published promotional terms. The account must remain eligible to 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 approximately $84 over 12 months at the $7 monthly service fee. |
| Potential bonus after monthly fees | Up to $150 before taxes and other fees if the monthly service fee is avoided. Approximately $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 promotional requirements are met. |
| Fine print | Limit one reward per person. Not available on secondary accounts, business accounts, account conversions, or in combination with another offer. Mountain America employees are excluded. The reward is considered interest and will be reported on IRS Form 1099-INT. Mountain America may change or withdraw the offer at any time. |
| Expiration date | December 31, 2026 |
| Availability | Available to qualifying Utah applicants who meet Mountain America’s membership and promotional requirements. The offer is presented through a dedicated promotional page. |
| Who qualifies | Eligible applicants who qualify for Mountain America Credit Union membership, open a new MyStyle Checking account with eStatements under the promotion, and initiate an eligible monthly direct deposit within 60 days. |
Important: This bonus is advertised through a dedicated Mountain America promotional page and should not be assumed to apply automatically to every new checking account. Applicants should confirm their eligibility and use promo code SE150MS. The full $150 bonus can be preserved if the monthly service fee is waived; otherwise, account fees can reduce its effective value.
More official info: Mountain America MyStyle Checking Bonus 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 UtahFi did not identify a current public signup or welcome bonus available to qualifying Utah applicants.
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
Mountain America Credit Union offers promotional financing rates on eligible loans and credit cards throughout the year. These offers may include introductory APRs, discounted borrowing rates, and limited-time balance transfer promotions.
Mountain America Credit Union promotions vary by product, creditworthiness, membership eligibility, and promotional period. Advertised rates are not guaranteed for every applicant, and terms may change or offers may be withdrawn.
3.99% Introductory HELOC APR
Mountain America currently offers a 3.99% introductory APR for the first six months on qualifying new home equity lines of credit and qualifying credit-line increases.
| Detail | Offer |
|---|---|
| Promotional rate | 3.99% introductory APR |
| Product type | Home equity line of credit (HELOC) |
| Promotional period | First six months after closing |
| Rate after promotion | Variable APR currently ranging from 7.50% to 18.00%, depending on creditworthiness |
| How to qualify | Open a qualifying new HELOC 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 3.99% introductory APR applies for six months after closing. Afterward, the APR becomes variable and currently ranges from 7.50% to 18.00%, depending on creditworthiness. Terms, conditions, and exclusions apply. |
| Expiration date | No published expiration date; offer may change or be withdrawn. |
| Availability | Available to qualifying Utah borrowers through Mountain America |
| Who qualifies | Eligible Mountain America members approved for a qualifying new HELOC or credit-line increase of $20,000 or more |
Important: The 3.99% APR lasts only for the first six months. Afterward, the HELOC converts to a variable APR that may change monthly, potentially increasing borrowing costs.
More official info: Mountain America HELOC Offer
Auto Loans as Low as 5.24% APR
Mountain America currently advertises new and used auto loans as low as 5.24% 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 5.24% 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 applicable MyStyle Checking discount to receive the lowest advertised APR. |
| Potential cost | Total interest depends on the approved APR, amount borrowed, and repayment term. Additional title, registration, and other applicable charges may apply. |
| Fine print | The 5.24% APR is an “as low as” rate and is not guaranteed. The advertised lowest rate includes a 0.25% MyStyle Checking discount on eligible new loans. Actual rates depend on creditworthiness, loan term, and applicable requirements. |
| 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 5.24% APR already includes Mountain America’s 0.25% MyStyle Checking loan-rate discount. This discount should not be subtracted again. Borrowers who do not qualify for the lowest rate may receive a higher APR.
More official info: Mountain America Auto Loan Rates
0% Balance Transfer APR for 6 Months
Mountain America offers 0% APR for six months on qualifying balances transferred to its consumer credit cards through October 31, 2026.
| Detail | Offer |
|---|---|
| Promotional rate | 0% APR on qualifying balance transfers |
| Product type | Consumer credit card balance transfer |
| Promotional period | Six months from the date of each qualifying balance transfer |
| Rate after promotion | The applicable variable APR for the participating Mountain America credit card applies after the promotional period. |
| How to qualify | Transfer an eligible balance to a qualifying Mountain America consumer credit card by October 31, 2026. Membership and credit approval requirements apply. |
| Potential cost | No balance transfer fee. Qualifying transferred balances receive 0% APR during the six-month promotional period. Remaining balances become subject to the applicable variable APR after the promotion. |
| Fine print | The 0% APR applies for six months from each qualifying transfer date. Business credit cards and HELOCs are excluded. Credit approval, available credit limits, membership eligibility, and other terms apply. The offer may change or be withdrawn before its stated expiration. |
| Expiration date | October 31, 2026 |
| Availability | Available to qualifying Mountain America consumer credit card applicants and cardholders in Utah, subject to promotional terms |
| Who qualifies | Eligible Mountain America members with qualifying consumer credit cards who complete eligible balance transfers during the promotional period |
Important: The 0% APR applies only to qualifying balance transfers, not ordinary purchases or cash advances. Any transferred balance remaining after the six-month period becomes subject to the applicable variable APR. The offer ends October 31, 2026.
More official info: Mountain America 0% Balance Transfer Offer
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
Mountain America Credit Union provides access to select entertainment offers, sports-related rewards, and promotional giveaways. Eligibility varies by offer: some benefits require a qualifying credit card or checking account, while certain giveaways are also open to nonmembers.
Entertainment and Sports Offers
| Program | Benefit and Eligibility |
|---|---|
| Sofar Sounds Concerts | Eligible Visa Signature cardholders can access an offer for one free concert ticket with a qualifying ticket purchase, plus presale opportunities. Enrollment and offer terms apply. |
| Sports and Event Tickets | Eligible My Rewards participants can redeem accumulated rewards points for event tickets. Specific sports teams, events, ticket availability, and points requirements are not guaranteed. |
| Shopping and Attraction Discounts | Primary MyStyle Checking account holders can access participating merchant discounts through MyStyle Benefits in online banking or the mobile app. Individual merchants and discount amounts are visible after signing in. |
More official info: Visa Signature Entertainment Benefits | My Rewards | Shopping and Entertainment Discounts
Event Giveaways
Mountain America also conducts giveaways at participating community events. Its 2026 Events Giveaway program runs through December 31, 2026, with prizes determined separately for each event.
Eligible participants can enter by scanning the official giveaway QR code at a participating event and submitting the required information. No purchase or credit union membership is required. Geographic, age, household, and other restrictions apply.
These are opportunities to win prizes, not guaranteed discounts or exclusive membership benefits.
More official info: 2026 Events Giveaway Official Rules
Frequently Asked Questions
Does Mountain America Credit Union offer checking account bonuses?
Mountain America Credit Union periodically offers checking account bonuses to eligible new members or existing members opening qualifying accounts. Requirements may include direct deposits, eStatements, promotional codes, or other qualifying activities. Current offers and eligibility requirements are listed in the Checking Account Bonuses section above.
Does Mountain America Credit Union offer savings account bonuses?
Mountain America may introduce savings account promotions, including cash bonuses or special rates. Availability varies, and regular savings dividends should not be confused with promotional sign-up bonuses. Check the Savings Account Bonuses section above for currently identified offers.
Does Mountain America Credit Union offer credit card promotions?
Mountain America may offer introductory APRs, balance transfer promotions, or other credit card incentives. These promotions differ from ongoing card rewards and benefits. Eligibility, promotional periods, and rates depend on the specific offer.
How do Mountain America Credit Union promotional loan rates work?
Promotional loan rates may include temporary introductory APRs or discounted rates for qualifying borrowers. Some products, such as home equity lines of credit, may have variable rates after an introductory period. Advertised minimum APRs may also depend on account relationships, creditworthiness, loan terms, and other conditions.
Can existing Mountain America Credit Union members qualify for promotions?
Some promotions are available to existing members, while others require opening a new account or establishing a new lending relationship. Eligibility depends on the individual offer, and existing members should review the applicable restrictions before applying.
Does Mountain America Credit Union offer referral bonuses?
Mountain America may introduce referral incentives for specific audiences or promotional periods. Referral eligibility, rewards, and availability depend on the official terms. Not every referral offer is available to all Utah members.
Are Mountain America Credit Union promotions available in Utah?
Mountain America operates in Utah, but individual promotions may have membership, geographic, employment, account, or credit requirements. Availability should be confirmed through the official promotional terms.
Can Mountain America Credit Union promotions be combined?
Not necessarily. Some offers prohibit combining promotions or receiving multiple incentives for the same account. Review the applicable terms to determine whether an offer can be combined with another promotion.
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.
