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

If Wishes Were True.... - 1/18/2019

Earlier Today, under the 'Blog Post' (I think), it was showing MACU with unbelievable rates - like 14.74% on a 5 year IRA CD, 3.69% savings. Called them, (hard to get through, and their website is glitchy-unusable - probably an indicator of how many people read Depositaccounts.com !), and they said rates hadn't changed since Jan. 1, and the rate schedule I got was mediocre-forgettable. It no longer appears in the blog post, but it still appears if you search for MACU. I was ready to break all my IRAs, take all my savings and wire it to them, but then the dream was over, and it's back to reality. Just wanted to let folks know not to get in a dither about this, it's just a dream. (Pretty nice dream, though.)

Mountain America Credit Union Hikes 5-Year CD Rate - 11/2/2018

Mountain America CU's (easy membership) 5-year Term Deposit earns 3.51% APY ($500 min/$100k max). Also as a Term Deposit Plus, with unlimited deposits up to $100k.

Mountain America Credit Union 5-Yr. CD: 3.51% - 11/1/2018

Mountain America has increased the yield on its 5-year CD from 3.35% to 3.51%. The certificate is also available as a Term Deposit Plus add-on CD. The APY on the 5-year Youth CD is 3.75%. The APY on the 3-year CD (also available as an add-on) remains at 3.35%, with the Youth CD at 3.60%. https://www.macu.com/accounts/savings/term-deposit

View all posts from:

5/1/16 - Mountain America Credit Union 5-Year Term Deposit Rate
8/20/15 - Mountain America CU Offers Top Rate 5-Year CD
2/10/15 - Mountain America CU Offers Top Rate 5-Year CD With Bump Option
9/20/14 - Like College Football? Like A $50 Visa Gift Card? You Might Like This Promo!
8/10/14 - Mountain America CU (5 Yr CD, 2.20%APY)
3/3/14 - Special 5-Year CD Rate at MACU - Easy Membership
3/1/14 - 5-Year CD Special
2/25/14 - Precise ID Security Money Wire Problem.
5/12/13 - Opening An IRA CD At Mountain America Credit Union
2/12/13 - Best 5-Year CD Rate From a Major Credit Union at Mountain America
6/11/12 - Competitive 5-Year CD Rate at Mountain American Credit Union in UT, NV, NM & AZ
6/11/12 - $100 Checking Account Bonus at Mountain America Credit Union in UT, AZ, NV & NM
11/7/11 - $125 Checking Account Bonus at Mountain America Credit Union in UT, AZ, NV & NM
10/16/11 - $100 For Opening Checking Acct @ Mountain America CU
10/19/10 - Top 5-Year CD Continues at Mountain America Credit Union in UT, NV, NM & AZ - Easy Membership
8/17/10 - Top 5-Year CD and IRA CD at Mountain America Credit Union in UT, NV, NM & AZ - Easy Membership
9/5/09 - 4.75% 60-Month CD at Mountain America Credit Union - Easy Membership
3/7/09 - 4.50% 5-Year CD and Other High CD Rates at Mountain America Credit Union - Easy Membership
12/23/08 - 4.00% 12-Month CD at Mountain America Credit Union in UT, AZ & NV - Easy Membership
3/1/08 - 4.65% 15-Month / 4.50% 9-Month CD at a Utah CU - Easy Membership (Mountain America).
12/22/06 - 5.60% 15-Month CD at a Utah CU (Mountain America)

A Consumer Oriented bank

My experiences with Mountain America Credit Union have been superb. The fees are low, the customer service is excellent, and they seem to enjoy taking care of their customers. Having dealt with big and semi-big regional banks in the past,, MACU keeps their fees and rates low by comparison. For someone with my limited income, this is a welcome change from the past. They also offer a very reasonable overdraft fee in case you overdraw your account. In the past, if my account was overdrawn by only a few cents, I'd be hit with a large penalty. That's not the case today, and in addition to the lower penalty,, you're not hit with the fee until the next day, in case all you needed to do was transfer money from your savings into your checking account. Again, this is another BIG plus for me. All in all, I'm VERY satisfied with MACU, and I'm happy I switched to them over a year ago. I would'nt hesitate to recommend this credit union to my friends.

I'm happy with MACU

Posted by: lloydberry | Mar 1, 2018

In fact, I'm MORE than pleased with the credit union I currently belong to. My paycheck from my part time job is direct deposited into my account, and even though payday is technically Thursday, the money is always deposited into my account on Wednesday evening. It makes a big deal to me as I usually do my grocery shopping on Thursday mornings.

In addition, this credit union offers a "perk" to members that does not penalize you too severely if you should overdraw your account. The fee is $20 per transaction that you overdraw, and the daily amount you are charged is capped at $100. I have not had to use this feature yet, but it is comforting to know it's available to me if an emergency should arise. Plus, you are given 30 days to pay it back, which I imagine would be a great relief if you suddenly found yourself unemployed.

Finally, the credit union is open until 7PM, which is a great feature if you work during the day. And, I have never had a bad or uncomfortable experience while dealing face to face with one of their employees...

My Favorite

Posted by: Pochield | Apr 9, 2018

Mountain America Credit Union has been one of my favored banking institutions for over 25 years. When I first opened an account with this credit union it was called Smith's Federal Credit Union and was linked to a previous employer of mine. The branches were small, the experience personable, and the transactions felt like you were dealing with a trusted friend rather than an aloof business. Eventually, as the business expanded, the credit union was absorbed by another local institution...Mountain America. The personal style of dealing business has remained. I have a checking and savings account with Mountain America. I have also held personal loans with them and at one time a savings account for my now grown son. Whenever I need help any employee is professional, friendly, and provides very prompt and accurate service. I am very happy with this company.

Be Patient: Ask Many Questions

The 5 year cd rate for out of staters is worth the trouble: Do not deposit into your local credit union share account and transfer it to them as they recommend to fund your cd. Because the IRS considers it a cash transaction. The reps think they can do an ACH transaction (no can do) its only for bill pay. Have a supervisor produce a deposit slip email it to you and mail a check to them with it and wait like I am. We shall see!

VIEW MORE REVIEWS

Health

Health Grade Components

Overall
NCUA #24692
Year Chartered1936
Employees1888
Primary Regulator
Profit Margin
Return on Assets - YTD1.53%
Return on Equity - YTD16.31%
Annual Interest Income$245.3MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$8.05B$6.96B
LoansQ3 2018vs Q3 2017$6.94B$5.95B
DepositsQ3 2018vs Q3 2017$6.83B$5.73B
Equity CapitalQ3 2018vs Q3 2017$741.7MM$628.2MM
Loan Loss AllowanceQ3 2018vs Q3 2017$47.0MM$35.1MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$39.9MM$28.6MM
Real Estate OwnedQ3 2018vs Q3 2017$3.1MM$6.6MM
  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.

If Wishes Were True....

Zemo999   |  
Earlier Today, under the 'Blog Post' (I think), it was showing MACU with unbelievable rates - like 14.74% on a 5 year IRA CD, 3.69% savings. Called them, (hard to get through, and their website is glitchy-unusable - probably an indicator of how many people read Depositaccounts.com !), and they said rates hadn't changed since Jan. 1, and the rate schedule I got was mediocre-forgettable. It no longer appears in the blog post, but it still appears if you search for MACU.
I was ready to break all my IRAs, take all my savings and wire it to them, but then the dream was over, and it's back to reality.
Just wanted to let folks know not to get in a dither about this, it's just a dream. (Pretty nice dream, though.)

Mountain America Credit Union 5-Yr. CD: 3.51%

alan1   |  
Mountain America has increased the yield on its 5-year CD from 3.35% to 3.51%. The certificate is also available as a Term Deposit Plus add-on CD. The APY on the 5-year Youth CD is 3.75%.

The APY on the 3-year CD (also available as an add-on) remains at 3.35%, with the Youth CD at 3.60%.

https://www.macu.com/accounts/savings/term-deposit

Rates

Rates for Mountain America Credit Union are currently being reviewed.

Locations

Availability

Phoenix Area

Interactive local rates map


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