Mountain America Credit Union Overview: Accounts, Loans, and Membership

Mountain America Credit Union Overview

Mountain America Credit Union is a federally chartered credit union headquartered in Sandy, Utah. Founded in 1936, it is the second-largest credit union in Utah and one of the largest credit unions in the United States.

Mountain America serves more than 1.4 million members and operates 100+ branches across Utah, Idaho, Montana, Nevada, and Arizona. Its products and services include checking and savings accounts, certificates, credit cards, auto and personal loans, mortgages, business banking, and investment services.

For a statewide comparison focused specifically on physical branch access, see UtahFi’s Top 10 Credit Unions With the Most Branches in Utah.

Membership is available through several eligibility paths, including residence in qualifying Utah areas, family or household relationships, and certain employer or organization affiliations.

Mountain America is also featured in our Best Credit Unions in Utah guide.

Comparing options? See our America First vs Mountain America comparison.

For current bonuses and special offers, visit our Mountain America Credit Union Bonuses and Promotions page.

Expansion

Over the years, Mountain America Credit Union has experienced significant growth, expanding beyond its Utah roots to serve members across several western states. Today, Mountain America operates more than 100 branches across Utah, Idaho, Montana, Nevada, and Arizona.

This geographic expansion has helped Mountain America build a broader regional presence while maintaining a strong footprint in Utah. Its branch network supports members with in-person banking access alongside digital banking, lending, business banking, and other financial services.

Mountain America now serves more than 1.4 million members and has grown into one of the largest credit unions in the United States. Its continued expansion reflects the credit union’s growth from a Utah-based institution into a major regional financial institution serving members across five states.

Products and Services

macu.com | Products and Services

Mountain America Credit Union offers personal banking, lending, business banking, and financial services for a range of everyday and long-term financial needs. Its main products and services include:

• Checking accounts
• Savings and money market accounts
• Certificate accounts
• Credit cards
• Auto and recreational vehicle loans
• Personal loans
• Mortgages and home equity financing
• Business checking, savings, and lending services
• Investment and financial advisory services, including wealth management, retirement planning, and IRA and 401(k) distribution options
• Medicare planning
• Insurance products

Checking Accounts at Mountain America

Mountain America Credit Union offers several checking options for different everyday banking needs. Members can choose between a free checking account, an account with additional benefits and rewards, and a student-focused option. These accounts include digital banking features, access to a credit score, and Zelle.

MyFree Checking

MyFree℠ Checking is Mountain America’s basic free checking account, with online and mobile banking and no monthly maintenance fee.

• $0 monthly fee
• $0 minimum balance required
• Free access to your credit score
• Online and mobile banking
• Bill pay and eStatements

MyStyle Checking

MyStyle Checking includes additional benefits such as telehealth, mobile phone protection, loan rate discounts, rewards, and shopping and entertainment offers.

• $7 monthly fee
• Or $0 monthly fee if 1 of the following is met:
  • 20+ debit and/or credit card transactions per month
  • Age 24 or younger or age 60 or older
  • $10,000 average daily balance maintained
• $0 minimum balance to open
• Free access to your credit score

Student Checking

Mountain America also offers a student checking option with MyStyle benefits and an automatic monthly fee waiver for members age 24 and younger.

• $0 monthly fee for members age 24 and younger
• $0 minimum balance to open
• Free access to your credit score
• Works with Zelle
• Includes identity monitoring and shopping and entertainment discounts

Savings Accounts at Mountain America

Mountain America savings accounts offer several options for everyday savings, retirement savings, and accounts designed for children and teens.

• Competitive dividend rates
• Flexible deposits and withdrawals
• Security for deposited funds
• Convenient access to funds
• Tax-advantaged retirement savings options

Primary Savings

Mountain America’s Primary Savings account establishes membership with the credit union.

• $0 monthly fee
• $1 to open
• $1 minimum balance
• Earns dividends on an average daily balance of $100 or more

Money Market Accounts

Earn tiered dividends while maintaining flexibility to add and withdraw funds.

• $0 monthly fee
• $0 to open
• Tiered dividend rates based on account balance

IRA Savings Funds

Mountain America offers Traditional and Roth IRA savings and certificate accounts for tax-advantaged retirement savings. Investment-based IRA options are also available through Mountain America Investment Services and LPL Financial.

Youth Savings Account

Designed for children age 12 and younger to begin developing healthy financial habits.

• $0 monthly fee
• $1 to open and maintain
• Earns dividends on an average daily balance of $25 or more
• Automatically converts to a teen savings account at age 13

Teen Savings Account

Designed for teens ages 13–17 as they learn to manage and grow their savings.

• $0 monthly fee
• $1 to open and maintain
• Earns dividends on an average daily balance of $25 or more
• Automatically converts to a Primary Savings account at age 26

Certificate Accounts

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
• Growth Certificates allow additional deposits during the term

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
• Available for members age 27 and younger
• Automatically renews as a Standard Certificate on the member’s 28th birthday
• Can be closed during the 10-day grace period after maturity without penalty

Credit Cards

Mountain America Credit Union offers three Visa credit cards focused on lower interest rates, rewards points, and cash back. All three cards have a $0 annual fee, a $0 balance transfer fee, and a 1% foreign transaction fee. Members can choose between a lower-rate card, a points-based rewards card, or a cash back card depending on their spending needs.

macu.com | Credit Cards

Low Rate Visa Card

Best for cardholders who want a lower-rate card and may carry a balance.

• Annual fee: $0
• Welcome bonus: None
• Intro offer: None
• Rewards: None
• Other perks: Free access to your credit score and credit report

Rewards Visa Card

Best for cardholders who want to earn points on everyday purchases.

• Annual fee: $0
• Welcome bonus: None
• Intro offer: None
• Rewards: Earn 1 point per $1 spent
• Other perks: Points can be redeemed for travel, gift cards, event tickets, experiences, cash back, and other rewards. Points can also be combined with rewards earned through MyStyle Checking.

Cash Back Visa Card

Best for cardholders who want simple cash back on purchases.

• Annual fee: $0
• Welcome bonus: None
• Intro offer: None
• Rewards: Earn 1.5% cash back on eligible purchases
• Other perks: Cash back is deposited automatically into Primary Savings each quarter. Visa Signature benefits are available to qualifying cardholders with a credit limit of $5,000 or more.

Personal Loans

Mountain America Credit Union offers several lending options for major purchases, unexpected expenses, debt consolidation, vehicles, and recreational equipment. Rates, terms, and loan availability depend on the type of financing and the borrower’s credit qualifications.

macu.com | Loans

Personal Loans

Personal loans can be used for purposes such as debt consolidation, home improvements, medical expenses, and other major purchases.

• Unsecured borrowing options
• Fixed monthly payments
• Funds may be used for a variety of personal expenses

Auto Loans

Mountain America provides financing for new and used vehicles, along with refinancing options for existing auto loans.

• New and used vehicle financing
• Auto loan refinancing
• Flexible loan terms
• Available for cars, trucks, and SUVs

Recreational Vehicle Loans

Members can finance several types of recreational vehicles and equipment.

• RV loans
• Motorcycle loans
• Boat loans
• Trailer financing
• Other recreational vehicle financing options

Mortgages

Mountain America Credit Union offers mortgage options for buying a home, refinancing an existing mortgage, building a property, purchasing land, or accessing home equity.

Home Purchase Loans

Mountain America offers several mortgage options for homebuyers with different financial situations and down payment requirements.

• Conventional mortgages
• First-time homebuyer loans
• FHA loans
• VA loans
• Jumbo loans

Refinance Loans

Members can refinance an existing mortgage to potentially lower monthly payments, change loan terms, or access home equity.

• Rate-and-term refinancing
• Cash-out refinancing options

Construction and Land Loans

Mountain America also provides financing for members planning to build a home or purchase land.

• Construction loans
• Lot and land loans
• Financing options for custom home projects

Home Equity Loans

Homeowners may be able to borrow against the equity in their property for renovations, debt consolidation, or other major expenses.

• Home equity loans
• Home Equity Lines of Credit (HELOCs)

Home insurance and personalized guidance are available through Mountain America mortgage specialists. Loan terms are subject to credit approval.

Business Accounts

Mountain America Credit Union offers business checking and savings options for small businesses, nonprofits, and growing companies. Its business banking services also include cash management tools, merchant services, online banking, and business lending.

Business Essential Checking

Designed for small and medium-sized businesses with lower transaction volumes.

Read our full Mountain America Business Essential Checking review.

Business Growth Checking

Designed for businesses with higher transaction levels and more advanced cash management needs. Businesses can choose between earning dividends or earning credits that may offset certain transaction and service charges.

Nonprofit Checking

A checking account designed specifically for nonprofit organizations, with no monthly maintenance charge.

Business Savings Accounts

Savings accounts for businesses that want to set aside funds for future expenses while earning dividends.

Business Money Market Accounts

Business money market accounts offer tiered dividend rates while maintaining access to deposited funds.

Business Certificates

Fixed-term savings accounts for businesses that want to earn a fixed return on funds they do not need immediately.

Mountain America also offers business services such as online banking, bill pay, direct deposit, ACH origination, remote deposit capture, wire origination, merchant services, cash management tools, and business lending.

Mountain America is also featured in our Best Business Checking Accounts in Utah guide.

Who Can Become a Member of Mountain America Credit Union?

macu.com | Membership

Membership at Mountain America Credit Union is based on several eligibility paths. You may qualify through where you live, your relationship to an existing member, or certain employer and organization affiliations.

Residence

You may be eligible if you live in one of the following areas:

• Salt Lake County, Utah
• Duchesne County, Utah
• Wasatch County census tract 940300
• Uintah County census tract 940100 or 940200

Family Relationship

You may qualify through a family or household relationship with an existing Mountain America member.

Eligible relationships include:

• Parents and children
• Spouses, including surviving spouses
• Siblings
• Grandparents and grandchildren
• Stepparents, stepchildren, and stepsiblings
• Adoptive family relationships
• Individuals living with an existing Mountain America member

Employment or Volunteer Affiliation

You may also qualify if you work for or volunteer with a Select Employer Group (SEG) or affiliated association.

Membership eligibility requirements may change over time, so prospective members should verify current requirements directly with Mountain America.

Conclusion

Mountain America Credit Union is a large, established Utah credit union offering checking and savings accounts, certificates, credit cards, auto and personal loans, mortgages, business banking, and investment services.

Its main strengths include its large Utah branch presence, broader western-state footprint, digital banking tools, and multiple membership eligibility paths. It can be a strong fit for Utah residents who want both local branch access and convenient digital banking.

Overall, Mountain America Credit Union remains one of the most prominent credit unions in Utah and a major regional financial institution serving members across five western states.

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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.