What are the current interest rates at Mountain America Federal Credit Union?

Current rates for Mountain America Federal Credit Union include: 12-Month CD: 3.90%, 24-Month CD: 4.20%, 60-Month CD: 4.05%, Savings: 0.05%, MMA: 0.50%

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Mountain America Federal Credit Union Rates & Review August 2026

Item: Mountain America Federal Credit Union
Rating: 1579
Author: tUoa

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Mountain America Federal Credit Union's 24-month CD rates are at 4.20%, 60-month CD rates are at 4.05%, 12-month CD rates are at 3.90%. Mountain America Federal Credit Union's savings rates are at 0.05%. Mountain America Federal Credit Union's money market rates are at 0.50%. Mountain America Federal Credit Union's 15-year fixed mortgage rates are at 5.62%, 20-year fixed mortgage rates are at 6.00%, 30-year VA Loan rates are at 5.99%, 15-year FHA Loan rates are at 5.50%, 15-year VA Loan rates are at 5.88%. Mountain America Federal Credit Union's Personal Loan Rates are at 4.99%. MonitorBankRates evaluates the financial stability of Mountain America Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.12%. Rates last updated and verified on 08/28/2026.

Mountain America Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Mountain America Federal Credit Union? Share your experience about Mountain America Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Mountain America Federal Credit Union.

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.12%

Excellent Higher than avg

Mountain America Federal Credit Union
0152 Mountain America Center

9800 S Monroe St
Sandy, UT 84070

https://www.macu.com

Mountain America Federal Credit Union CD Rates

Product	Rate	APY	Term
24-month Certificate	-	4.20%	24-month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
60-month Certificate	-	4.05%	60-month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
12-month Certificate	-	3.90%	12-month
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%

Mountain America Federal Credit Union Savings Rates

Product	Rate	APY
Business Primary savings	0.05%	0.05%
Min Deposit $1 Min Balance $100 Details Insured by NCUA. Effective as of 8/25/2026. Minimum deposit required to open and maintain a primary savings account is $1. Balances of $100 or more will accrue dividends. Rates and terms are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
Business Secondary savings	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Insured by NCUA. Effective as of 8/25/2026. There is no minimum deposit required to open a secondary savings account and balances above $0 will accrue dividends. Rates and terms are subject to change. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%

Mountain America Federal Credit Union Money Market Rates

Product	Rate	APY
Business Money market	3.49%	3.55%
Min Balance $1,000,000 Details $1,000,000 +; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 8/25/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
Business Money market	3.15%	3.20%
Min Balance $250,000 Details $250,000 - $999,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 8/25/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
Business Money market	2.37%	2.40%
Min Balance $100,000 Details $100,000 - $249,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 8/25/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
Business Money market	1.88%	1.90%
Min Balance $50,000 Details $50,000 - $99,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 8/25/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
Business Money market	1.44%	1.45%
Min Balance $25,000 Details $25,000 - $49,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 8/25/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
Business Money market	1.00%	1.00%
Min Balance $10,000 Details $10,000 - $24,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 8/25/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
Business Money market	0.85%	0.85%
Min Balance $2,500 Details $2,500 - $9,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 8/25/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
Business Money market	0.50%	0.50%
Min Balance $0 Details under $2,500; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 8/25/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%

Mountain America Federal Credit Union Checking Rates

Product	Rate	APY
Business growth checking	0.50%	0.50%
Min Balance $20,000 Details $20,000 +; Credit union deposits are federally insured by the NCUA. Annual Percentage Yield (APY) may change without notice. The minimum balance required to earn the Annual Percentage Yield (APY) is the same as the minimum amount to open the account. Maintenance fees could reduce earnings on Checking Accounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
Business analysis checking earnings credit	0.30%	0.30%
Min Balance $20,000 Details $20,000 +; Credit union deposits are federally insured by the NCUA. Annual Percentage Yield (APY) may change without notice. The minimum balance required to earn the Annual Percentage Yield (APY) is the same as the minimum amount to open the account. Maintenance fees could reduce earnings on Checking Accounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
Business growth checking to	0.25%	0.25%
Min Balance $1,000 Details $19,999; $1,000; Credit union deposits are federally insured by the NCUA. Annual Percentage Yield (APY) may change without notice. The minimum balance required to earn the Annual Percentage Yield (APY) is the same as the minimum amount to open the account. Maintenance fees could reduce earnings on Checking Accounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
Business analysis checking earnings credit	0.10%	0.10%
Min Balance $0 Details under $20,000; Credit union deposits are federally insured by the NCUA. Annual Percentage Yield (APY) may change without notice. The minimum balance required to earn the Annual Percentage Yield (APY) is the same as the minimum amount to open the account. Maintenance fees could reduce earnings on Checking Accounts. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%

Mountain America Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15-year fixed mortgage	5.63%	-	5.84%	15 years
Details The information provided is based on a 15-year fixed mortgage and assumes the purpose is to refinance only the current outstanding balance, with no cash being received by the borrower. Estimates are based on the following loan parameters: Loan amount of $337,500.00 and an estimated property value of $450,000.00. No secondary financing. The property is located in Utah. The property is a single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. Variations to this scenario are available, but may impact rate, fees and Annual Percentage Rate(APR). Rates, fees and APR's may change without notice. Check with a Mountain America Credit Union loan officer for a personalized quote and individual scenarios. At a 5.625% interest rate, the fixed APR for this loan type is 5.838%. The monthly payment would be: 179 payments of $2,780.09 at an interest rate of 5.625% 1 payment of $2,781.33 at an interest rate of 5.625% The monthly payment amount displayed includes principal and interest. The payment does not include homeowner's insurance or property taxes. Actual terms and conditions may vary based on individual scenarios and creditworthiness. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
20-year fixed mortgage	6.00%	-	6.17%
Details The information provided is for a 20-year fixed mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $337,500.00 and an estimated property value of $450,000.00. The property is located in UT and is within Salt Lake County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 6.000% interest rate, the fixed APR for this loan type is 6.171%. The monthly payment would be: 239 payments of $2,417.95 at an interest rate of 6.000% 1 payment of $2,420.15 at an interest rate of 6.000%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. Actual APR based on creditworthiness. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
30-year VA Loan	5.99%	-	6.29%
Details The information provided is for a 30-year VA mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $459,675.00 and an estimated property value of $450,000.00. The property is located in Utah and is within Salt Lake County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 5.990% interest rate, the fixed APR for this loan type is 6.287%. The monthly payment would be: 359 payments of $2,753.03 at an interest rate of 5.990% 1 payment of $2,752.06 at an interest rate of 5.990%. The monthly payment amount displayed includes principal and interest. The payment does not include homeowner's insurance or property taxes which must be paid in addition to your loan. Actual APR based on creditworthiness. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
15-year FHA Loan	5.50%	-	6.36%
Details The information provided is for a 15-year FHA mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $441,849.00 and an estimated property value of $450,000.00. The property is located in Utah and is within Salt Lake County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 5.500% interest rate, the fixed APR for this loan type is 6.361%. The monthly payment would be: 179 payments of $3,752.13 at an interest rate of 5.500% 1 payment of $3,616.50 at an interest rate of 5.500%. The monthly payment amount displayed includes principal, interest and mortgage insurance. The payment does not include homeowner's insurance or property taxes which must be paid in addition to your loan. Actual APR based on creditworthiness. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
15-year VA Loan	5.88%	-	6.37%
Details The information provided is for a 15-year VA mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $459,675.00 and an estimated property value of $450,000.00. The property is located in Utah and is within Salt Lake County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 5.875% interest rate, the fixed APR for this loan type is 6.369%. The monthly payment would be: 179 payments of $3,848.02 at an interest rate of 5.875% 1 payment of $3,849.19 at an interest rate of 5.875%. The monthly payment amount displayed includes principal and interest. The payment does not include homeowner's insurance or property taxes which must be paid in addition to your loan. Actual APR based on creditworthiness. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
7/6 adjustable rate mortgage	5.88%	-	6.37%
Details The information provided is for a 7/6 adjustable-rate mortgage (ARM) and assumes the purpose of the loan is to purchase a property, with a loan amount of $337,500.00 and an estimated property value of $450,000.00. The property is located in Utah and is within Salt Lake County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is a minimum of 740 or above. ARMs are variable and the annual percentage rate may increase or decrease after the original fixed rate period. On a 7/6 ARM, the interest rate and payment may change after 84 months and every six months thereafter. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes, which must be paid in addition to your loan payment. Actual APR based on creditworthiness. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
5/6 adjustable rate mortgage	5.75%	-	6.41%
Details The information provided is for a 5/6 adjustable-rate mortgage (ARM) and assumes the purpose of the loan is to purchase a property, with a loan amount of $337,500.00 and an estimated property value of $450,000.00. The property is located in Utah and is within Salt Lake County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is a minimum of 740 or above. ARMs are variable and the annual percentage rate may increase or decrease after the original fixed-rate period. On a 5/6 ARM, the interest rate and payment may change after 60 months and every six months thereafter. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes, which must be paid in addition to your loan payment. Actual APR based on creditworthiness. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
10/6 adjustable rate mortgage	6.13%	-	6.43%
Details The information provided is for a 10/6 adjustable-rate mortgage (ARM) and assumes the purpose of the loan is to purchase a property, with a loan amount of $337,500.00 and an estimated property value of $450,000.00. The property is located in Utah and is within Salt Lake County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is a minimum of 740 and above. ARMs are variable and the annual percentage rate may increase or decrease after the original fixed rate period. On a 10/6 ARM, the interest rate and payment may change after 120 months and every six months thereafter. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes, which must be paid in addition to your loan payment. Actual APR based on creditworthiness. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
30-year jumbo Loan	6.38%	-	6.48%
Details The information provided is for a 30-year jumbo mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $960,000.00 and an estimated property value of $1,200,000.00. The property is located in Utah and is within Salt Lake County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 6.375% interest rate, the fixed APR for this loan type is 6.484%. The monthly payment would be: 359 payments of $5,989.15 at an interest rate of 6.375% 1 payment of $5,990.16 at an interest rate of 6.375%. The monthly payment amount displayed includes principal and interest. The payment does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. Actual APR based on creditworthiness. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
30-year fixed mortgage	6.38%	-	6.51%
Details The information provided is for a 30-year fixed mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $337,500.00 and an estimated property value of $450,000.00. The property is located in UT and is within Salt Lake County. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 6.375% interest rate, the fixed APR for this loan type is 6.507%. The monthly payment would be: 359 payments of $2,105.56 at an interest rate of 6.375% 1 payment of $2,106.63 at an interest rate of 6.375%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. Actual APR based on creditworthiness. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
30-year FHA Loan	5.88%	-	6.71%
Details The information provided is for a 30-year FHA mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $441,849.00 and an estimated property value of $450,000.00. The property is located in Utah and is within Salt Lake County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 5.875% interest rate, the fixed APR for this loan type is 6.705%. The monthly payment would be: 359 payments of $2,811.60 at an interest rate of 5.875% 1 payment of $2,625.23 at an interest rate of 5.875%. The monthly payment amount displayed includes principal, interest and mortgage insurance. The payment does not include homeowner's insurance or property taxes which must be paid in addition to your loan. Actual APR based on creditworthiness. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
7/6 first-time homebuyer adjustable rate mortgage	7.00%	-	7.00%
Details The information provided is for the 100% first-time homebuyer 7/6 adjustable-rate mortgage (ARM) and assumes the purpose of the loan is to purchase a property, with a loan amount of $450,000.00 and an estimated property value of $450,000.00. The property is located in Utah and is within Salt Lake County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is a minimum of 740 or above. ARMs are variable and the annual percentage rate may increase or decrease after the original fixed rate period. On a 7/6 ARM, the interest rate and payment may change after 84 months and every six months thereafter. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. Actual APR based on creditworthiness. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
15-year jumbo Loan	7.00%	-	7.18%
Details The information provided is for a 15-year jumbo mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $960,000.00 and an estimated property value of $1,200,000.00. The property is located in Utah and is within Salt Lake County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 30 days and the assumed credit score is 740. At a 7.000% interest rate, the fixed APR for this loan type is 7.183%. The monthly payment would be: 179 payments of $8,628.75 at an interest rate of 7.000% 1 payment of $8,629.24 at an interest rate of 7.000%. The monthly payment amount displayed includes principal and interest. The payment does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. Actual APR based on creditworthiness. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%

Mountain America Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Low auto rate	-	-	4.99%
Details As low as; for a limited time Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
New & used car loans	-	-	4.99%	60-month
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
New car loans	-	-	5.24%	72-month
Details As low as Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%

Mountain America Federal Credit Union Credit Card Rates

Product	Rate	APR
Low Rate Credit Card	-	11.49%
Details Intro rate expires: Six Months; Regular APR: 17.90% (for cash advances) Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
Business Low Rate Visa Card	-	13.25%
Details Variable Annual Percentage Rate based on creditworthiness. 1% foreign transaction fee. Membership required-based on eligibility. Visa terms and conditions Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
Business Visa Platinum	-	13.25%
Details As low as; Actual variable Annual Percentage Rate between 13.25% and 18.00% is based on creditworthiness. 1% foreign transaction fee. Membership based on eligibility. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
Business Visa	-	15.25%
Details Variable annual percentage rate ranges from 15.25 % to 18.00% based on card type and creditworthiness. 1% foreign transaction fee. Balance transfers and cash advances will accrue interest from the date the transaction is processed. The annual percentage rate for cash advances is 17.9%. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%
Business Visa Platinum Rewards	-	15.25%
Details As low as; Actual variable Annual Percentage Rate between 15.25% and 18.00% is based on creditworthiness. 1% foreign transaction fee. Membership based on eligibility. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.12%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Mountain America Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Mountain America Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Mountain America Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Mountain America Federal Credit Union

Website https://www.macu.com

Address 9800 S Monroe St, Sandy, UT 84070

Phone 801-325-6220

Fax

President Scott Burt

CEO Sterling Nielsen

Full-Time Employees 3,385

Part-Time Employees 430

Branch Locations 105

ATM Locations 12

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.12%

Return on Assets (ROA)

0.6319%

Return on Equity (ROE)

6.7420%

Non-Performing Loans Ratio (NPL)

1.30%

Total Assets

21,747,928,372

Total Amount of Shares and Deposits

19,298,724,227

Total Shares and Deposits < 1 Year

17,663,185,121

Total Shares and Deposits 1 3 Years

1,203,357,764

Total Shares and Deposits > 3 Years

432,181,342

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

3,709,109,329

Total Uninsured Shares and Deposits > $250K (F+J)

3,709,109,329

Total Insured Shares and Deposits > $250K (item 17 less item K)

15,589,614,898

Total Interest Expense (Sum of items 6 8)

382,715,796

Share Certificates

280,893

Number of Accounts for Share Drafts

1,273,497

IRA KEOGH Accounts

29,584

Number of Accounts for Regular Shares

1,584,559

All other shares

196,925

Non Member Deposits

Money Market Shares

456,083

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,308,710,575

Total Liabilities

19,721,825,443

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

tUoa

★★★★★

December 17, 2025

lPXC

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Average Rating

★★★★★

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Frequently Asked Questions About Mountain America Federal Credit Union

How many branches does Mountain America Federal Credit Union operate?

Mountain America Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Mountain America Federal Credit Union?

Yes, to access services at Mountain America Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Mountain America Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Mountain America Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Mountain America Federal Credit Union offer online and mobile banking?

Most modern institutions like Mountain America Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.macu.com.