Mountain America Credit Union Overview
Mountain America Credit Union is a credit union headquartered in Sandy, Utah, that has been serving its members since the 1930s. Initially established as a state credit union, in 2003 Mountain America decided to become a federal credit union in response to proposed taxes that would have affected credit unions in Utah.
It is now the second largest credit union in Utah and one of the largest in the United States.
Mountain America Credit Union Customer Service.
Hours: Daily from 6:00 a.m. to 9:00 p.m.
Cities with Mountain America Credit Union branches in Utah:
Altamont, American Fork, Cedar City, Centerville, Clinton, Draper, Duchesne, Ephraim, Farmington, Heber, Herriman, Holladay, Hurricane, Kanab, Kaysville, Kearns, Layton, Lehi, Logan, Magna, Midvale, Moab, Murray, Ogden, Orem, Park City, Payson, Pleasant Grove, Price, Provo, Richfield, Riverton, Roosevelt, Salt Lake City, Sandy, Santa Clara, Saratoga Springs, South Jordan, South Ogden, South Salt Lake, Spanish Fork, Springville, St. George, Stansbury Park, Taylorsville, Tooele, Vernal, West Jordan, West Valley, and Woods Cross.
Expansion
Over the years, Mountain America has experienced significant growth, expanding its reach beyond Utah to serve residents in several U.S. states. With more than 100 branches, Mountain America has established a strong presence in Utah, Idaho, Montana, Nevada, Arizona, and New Mexico.
This geographic expansion has allowed the credit union to meet the financial needs of its members by offering banking services and expert guidance in the communities it serves.
From its initial expansion to the present, Mountain America continues to grow and adapt to meet the needs of its more than 1.1 million members. The credit union remains a leader in the financial industry, ranking among the top 10 credit unions in the United States by number of members.
Products and Services
macu.com | Products
Mountain America Credit Union offers a variety of financial products to meet the needs of its members:
- Checking and savings accounts
- Auto loans
- Mortgages
- Personal loans
- Credit cards
- Investment and financial advisory services, including wealth management, retirement planning, and IRA and 401(k) distribution options
- Medicare planning
- Insurance to protect its members
Checking Accounts at Mountain America
Mountain America Credit Union offers a variety of checking accounts designed to meet different financial needs. From basic accounts with no monthly fees to accounts with rewards and added benefits, these accounts are designed to provide convenience and flexibility for managing everyday finances. These accounts work with Zelle and provide access to your credit history.
MyFree Checking
This is a free checking account. MyFree℠ Checking offers mobile and online banking features without excessive fees.
- $0 monthly fee
- $0 minimum balance required
- $0 cost to access your FICO credit score
MyStyle Checking
Enjoy additional benefits such as telemedicine, mobile phone protection, loan rate discounts, and shopping and entertainment offers.
- $7 monthly fee
- Or $0 monthly fee if 1 of the following is met:
- 20+ debit card transactions per month
- Age under 24 or over 60
- $10,000 minimum balance maintained
- $0 cost to access your FICO credit score
Student Checking
Offers enhanced benefits and cost-saving features for students under 24 years old.
- $0 monthly fee
- $0 minimum balance
- $0 cost to access to your FICO score
- Works with Zelle
Savings Accounts at Mountain America
Mountain America savings accounts offer several common benefits that help account holders reach their financial goals:
- Competitive interest rates
- Flexible deposits and withdrawals
- Security for deposited funds
- Convenient access to funds
- Possible tax advantages on IRA interest earnings
Primary Savings
A personal savings account designed to help build a strong financial future.
- $0 monthly fee
- $1 to open
- $1 minimum balance
- Earns dividends once the balance exceeds $100
Money Market Accounts
Earn higher dividends while maintaining flexibility to add and withdraw funds.
- $0 monthly fee
- $0 to open
- $1 minimum balance
- Earns dividends once the balance exceeds $2,500
IRA Savings Funds
Prepare for retirement by opening a Traditional or Roth IRA with tax advantages through Mountain America Investment Services and LPL Financial.
Youth Savings Account
Designed for children under 12 to begin developing healthy financial habits.
- $0 monthly fee
- $1 to open
- Earns dividends once the balance exceeds $25
- Automatically converts to a teen savings account at age 13
Teen Savings Account
Helps teenagers prepare for financial independence.
- $0 monthly fee
- $1 to open
- Earns dividends once the balance exceeds $25
- Automatically converts to a Primary Savings account at age 26
Certificates of Deposit (CDs)
Mountain America Credit Union offers several certificate options designed to help members grow savings for medium- and long-term goals.
Certificate Accounts
Designed to grow savings while planning ahead.
- $500 to open a Standard Certificate
- $5 to open a Growth Certificate
- Terms available from 6 to 60 months
Youth Certificate Accounts
Encourage long-term savings goals such as education or a first vehicle.
- $0 monthly fees
- $5 to open
- Terms of 12, 24, 36, 48, and 60 months
- Additional deposits allowed up to $10,000 per year
- Dividend tiers based on term length
- Automatically renews as a Standard Certificate after age 27
- Can be closed during the 10-day grace period after maturity without penalty
Credit Cards
Mountain America Credit Union offers several credit card options designed for different spending and payment needs. Rates may vary over time.
macu.com | Credit Cards
Low Rate Visa Card
Designed for cardholders who plan to carry a balance.
- $0 annual fee
- $0 balance transfer fee
- Free access to your FICO score
- 1% foreign transaction fee
Rewards Visa Card
Earn rewards on everyday purchases.
- $0 annual fee
- $0 balance transfer fee
- Earn 1 point per $1 spent
- Points redeemable for gift cards, event tickets, or travel discounts
- Points can be combined with debit card rewards
- 1% foreign transaction fee
Cash Back Visa Card
Earn cash back on every purchase.
- $0 annual fee
- $0 balance transfer fee
- Earn 1.5% cash back on purchases
- Free access to your FICO score
- Visa Signature benefits available for limits above $5,000
- 1% foreign transaction fee
Personal Loans
Mountain America Credit Union offers several loan options designed to meet different borrowing needs.
- Personal loans with flexible terms of up to 5 years, with no collateral required
- Auto loans for cars, motorcycles, RVs, boats, and other vehicles
- Recreational vehicle loans for RVs, trailers, and boats
macu.com | Loans
Mortgages
Mountain America Credit Union offers a variety of mortgage loan options designed to meet different home-financing needs.
- Conventional mortgages with competitive rates and flexible payment options
- Mortgage refinancing to lower monthly payments, access home equity, or adjust loan terms
- First-time homebuyer loans with financing of up to 100% of the home value
- FHA loans designed for lower down payments and reduced closing costs
- VA loans, construction loans, and land loans
Home insurance and personalized guidance are available through Mountain America mortgage specialists. Loan terms are subject to credit approval.
Who Can Become a Member of Mountain America Credit Union?
macu.com | Membership
Membership at Mountain America Credit Union is based on clear and accessible criteria. You may be eligible if you meet one of the following requirements:
- Residence: If you live in specific areas of Utah, such as Salt Lake County, Duchesne County, or certain areas of Wasatch and Uintah counties. Mountain America customer service can assist in confirming eligible areas.
- Family relationship: If you are a family member of an existing Mountain America member, including parents, children, spouses (including surviving spouses), siblings, grandparents, grandchildren, step-parents, step-children, step-siblings, or if you have an adoptive relationship, you are also eligible to join. You may also qualify if you live at the same address as a MACU member.
- Employment or volunteer affiliation: If you work for or volunteer with a Select Employer Group (SEG) or an affiliated association, you may qualify for membership at Mountain America Credit Union.
These criteria are designed to make membership accessible to different types of people in the community, allowing more individuals to benefit from the financial services and advantages offered by Mountain America Credit Union. Contact Mountain America customer service for more information.
Conclusion
In summary, Mountain America Credit Union has demonstrated that it is a solid and reliable financial institution. Its geographic expansion and the variety of products and services offered reflect its ability to adapt to the changing needs of customers. From checking accounts to mortgage loans, Mountain America provides financial solutions for different segments.
In addition, the accessibility of membership reflects its commitment to inclusion and support for a wide range of people in the community. Whether through residency in specific areas of Utah, family relationships, or employment affiliations, Mountain America seeks to provide financial services to all those who wish to join.
In conclusion, Mountain America Credit Union stands out as a leader in the region’s financial industry, providing stability, trust, and opportunities for financial growth for its members and communities.
Disclaimer:
This page is not affiliated with, maintained by, or sponsored by Mountain America Credit Union. The information provided in this overview may be outdated or inaccurate after the publication date. UtahFi does not assume responsibility for the accuracy of the content. The logo is a registered trademark of Mountain America Credit Union.
