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%, 18-Month CD: 4.00%, 24-Month CD: 4.25%, 60-Month CD: 4.25%, Savings: 0.05%, MMA: 0.50%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
Mountain America Federal Credit Union

iAdvertiser Disclosure

Mountain America Federal Credit Union Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

Mountain America Federal Credit Union's 24 Month CD rates are at 4.25%, 60 Month CD rates are at 4.25%, 18 Month CD rates are at 4.00%, 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 6.25%, Today's Mortgage - 30-year VA Loan rates are at 6.50%, 30-year fixed mortgage rates are at 6.88%, 20-year fixed mortgage rates are at 6.88%, 30-year jumbo Loan rates are at 7.00%. Mountain America Federal Credit Union's Auto Loan Rates are as low as 4.99%. Mountain America Federal Credit Union's Credit Card Rates are at 11.49%. 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 7.84%. Rates last updated and verified on 09/21/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.84%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Mountain America Federal Credit Union
0092 Corporate Building - West Jordan

7181 S Campus View Dr
West Jordan, UT 84084-4312

https://www.macu.com

Mountain America Federal Credit Union CD Rates

Product	Rate	APY	Term
24 Month Certificate	-	4.25%	24-month
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
60 Month Certificate	-	4.25%	60-month
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
18 Month Certificate	-	4.00%	18-month
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
12 Month Certificate	-	3.90%	12-month
No additional details. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%

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 9/18/2026. Balances of $100 or more will accrue dividends. Rates and terms are subject to change. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
Business Secondary savings	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Insured by NCUA. Effective as of 9/18/2026. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%

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 9/18/2026. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
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 9/18/2026. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
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 9/18/2026. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
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 9/18/2026. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
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 9/18/2026. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
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 9/18/2026. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
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 9/18/2026. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
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 9/18/2026. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%

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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
Business growth checking to $19,999	0.25%	0.25%
Min Balance $1,000 Details $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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%

Mountain America Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15-year fixed mortgage	6.25%	-	6.47%	15 year
Details Term: 15 year fixed mortgage; The information provided is for a 15-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 6.250% interest rate, the fixed APR for this loan type is 6.467%. The monthly payment would be: 179 payments of $2,893.80 at an interest rate of 6.250% 1 payment of $2,894.44 at an interest rate of 6.250%. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
15-year fixed mortgage	6.25%	-	6.47%
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 6.250% interest rate, the fixed APR for this loan type is 6.467%. The monthly payment would be: 179 payments of $2,893.80 at an interest rate of 6.250% 1 payment of $2,894.44 at an interest rate of 6.250%. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
Today's Mortgage - 30-year VA Loan	6.50%	-	6.81%	30-year VA
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 6.500% interest rate, the fixed APR for this loan type is 6.806%. The monthly payment would be: 359 payments of $2,905.46 at an interest rate of 6.500% 1 payment of $2,904.07 at an interest rate of 6.500%. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
30-year fixed mortgage	6.88%	-	7.01%	30 year
Details Term: 30 year fixed mortgage; 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 6.875% interest rate, the fixed APR for this loan type is 7.011%. The monthly payment would be: 359 payments of $2,217.13 at an interest rate of 6.875% 1 payment of $2,222.97 at an interest rate of 6.875%. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
20-year fixed mortgage	6.88%	-	7.05%	20 year
Details Term: 20 year fixed mortgage; 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 6.875% interest rate, the fixed APR for this loan type is 7.052%. The monthly payment would be: 239 payments of $2,591.37 at an interest rate of 6.875% 1 payment of $2,591.69 at an interest rate of 6.875%. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
20-year fixed mortgage	6.88%	-	7.05%
Details The information provided is based on a 20-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 6.875% interest rate, the fixed APR for this loan type is 7.052%. The monthly payment would be: 239 payments of $2,591.37 at an interest rate of 6.875% 1 payment of $2,591.69 at an interest rate of 6.875%. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
30-year jumbo Loan	7.00%	-	7.11%	30-year jumbo
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 7.000% interest rate, the fixed APR for this loan type is 7.113%. The monthly payment would be: 359 payments of $6,386.90 at an interest rate of 7.000% 1 payment of $6,391.25 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
Today's Mortgage - 15-year VA Loan	6.63%	-	7.13%	15-year VA
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 6.625% interest rate, the fixed APR for this loan type is 7.130%. The monthly payment would be: 179 payments of $4,035.92 at an interest rate of 6.625% 1 payment of $4,035.25 at an interest rate of 6.625%. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
15-year jumbo Loan	7.00%	-	7.18%	15-year jumbo
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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
30-year FHA Loan	6.38%	-	7.21%	30-year FHA
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 6.375% interest rate, the fixed APR for this loan type is 7.214%. The monthly payment would be: 359 payments of $2,954.56 at an interest rate of 6.375% 1 payment of $2,767.96 at an interest rate of 6.375%. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
15-year FHA Loan	6.50%	-	7.38%	15-year FHA
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 6.500% interest rate, the fixed APR for this loan type is 7.375%. The monthly payment would be: 179 payments of $3,991.06 at an interest rate of 6.500% 1 payment of $3,856.80 at an interest rate of 6.500%. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%

Mountain America Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home equity line of credit with 6-month introductory rate	-	-	7.25%
Details The Variable Annual Percentage Rate (APR) is based on the Prime Rate, and will range from 7.25% APR to 18.00% APR. Some restrictions may apply. Actual APR based on creditworthiness and loan amount. Some fees may apply that can range from $10.00 to $5000.00. Rates subject to change. Property Insurance is required. Membership required-based on eligibility. 1% foreign transaction fee. For loans secured by a first lien, payments do not include taxes and insurance and the actual payment obligation will be greater. The introductory rate is for new home equity loans-as well as credit line increases of $20,000 or more-and is available for the first six months after the closing date. Afterward, the APR will convert to a variable rate as listed above. Terms, conditions and exclusions apply. This limited-time offer starts 7/1/26 and can change or be withdrawn at any time. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%

Mountain America Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New & used car loans	-	-	4.99%	60-month
Details as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
New car loans	-	-	5.24%	72-month
Details as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%

Mountain America Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Boat loan - New & used	-	7.24%	up to 180 months
Details Term: Terms up to 180 months (15 years); Advertised APR includes 0.25% loan rate discount with MyStyle Checking. Actual APR based on creditworthiness. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
Large RV Loan - New & used	-	7.24%	up to 180 months
Details Term: Terms up to 180 months (15 years); Advertised APR includes 0.25% loan rate discount with MyStyle Checking. Actual APR based on creditworthiness. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
Small RV/ATV Loan - New	-	7.24%	60 months (5 years)
Details Advertised APR includes 0.25% loan rate discount with MyStyle Checking. Actual APR based on creditworthiness. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
Small RV/ATV Loan - Used	-	7.24%	up to 60 months
Details Term: Terms up to 60 months (5 years); Advertised APR includes 0.25% loan rate discount with MyStyle Checking. Actual APR based on creditworthiness. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
Small RV/ATV Loan - New	-	7.49%	72 months (6 years)
Details Advertised APR includes 0.25% loan rate discount with MyStyle Checking. Actual APR based on creditworthiness. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%

Mountain America Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Low Rate Credit Card	-	11.49%
Details Published APR range: 11.49% to 18.00%. Variable annual percentage rate ranges from 11.49 % 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%

Mountain America Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
10-year lot loan	7.88%	-	8.40%	10-year
Details The information provided is for a 10-year lot loan mortgage and assumes the purpose of the loan is to purchase a lot, with a loan amount of $160,000.00 and an estimated lot value of $200,000.00. The lot is located in Utah and is within Salt Lake County. The rate lock period is 60 days and the assumed credit score is 740. At a 7.875% interest rate, the fixed APR for this loan type is 8.404%. The monthly payment would be: 119 payments of $1,930.69 at an interest rate of 7.875% 1 payment of $1,930.67 at an interest rate of 7.875%. The monthly payment amount displayed includes principal and interest. The payment amount does not include property taxes which must be paid in addition to your loan payment. Actual APR based on creditworthiness. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
100% first-time homebuyer Loan	7.75%	-	7.94%	30-year Fixed Rate
Details The information provided is for a 100% First-Time Home Buyer 30-year Fixed Rate mortgage 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 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 60 days and the assumed credit score is 740.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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
100% first-time-homebuyer Loan	7.75%	-	7.94%	100 months
Details Term: 100% first-time-homebuyer; The information provided is for a 100% First-Time Home Buyer 30-year Fixed Rate mortgage 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 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 60 days and the assumed credit score is 740. At a 7.750% interest rate, the fixed APR for this loan type is 7.937%. The monthly payment would be: 359 payments of $3,223.86 at an interest rate of 7.750% 1 payment of $3,216.85 at an interest rate of 7.750%. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
15-year fixed second mortgage	8.25%	-	8.54%	15-year
Details Important Loan Information; The information provided is for a 15 year fixed-rate second mortgage and assumes the purpose of the loan is to obtain cash on an existing property, with a loan amount of $135,000.00, an existing first mortgage of $225,000.00 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. The rate lock period is 60 days and the assumed credit score is 740. At a 8.250% interest rate, the fixed APR for this loan type is 8.542%. The monthly payment would be: 179 payments of $1,309.69 at an interest rate of 8.250% 1 payment of $1,309.54 at an interest rate of 8.250% The monthly payment amount displayed includes principal and interest. Actual APR based on creditworthiness. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
20-year fixed second mortgage	8.88%	-	9.12%	20-year
Details Important Loan Information; The information provided is for a 20 year fixed-rate second mortgage and assumes the purpose of the loan is to obtain cash on an existing property, with a loan amount of $135,000.00, an existing first mortgage of $225,000.00 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. The rate lock period is 60 days and the assumed credit score is 740. At a 8.875% interest rate, the fixed APR for this loan type is 9.119%. The monthly payment would be: 239 payments of $1,203.80 at an interest rate of 8.875% 1 payment of $1,202.73 at an interest rate of 8.875% The monthly payment amount displayed includes principal and interest. Actual APR based on creditworthiness. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
20-year lot loan with 7-year balloon	7.63%	-	8.09%	20 years
Details Term: 20-year with 7-year balloon; The information provided is for a 20-year lot loan with 7-year balloon mortgage and assumes the purpose of the loan is to purchase a lot, with a loan amount of $160,000.00 and an estimated lot value of $200,000.00. The lot is located in Utah and is within Salt Lake County. The rate lock period is 60 days and the assumed credit score is 740. At a 7.625% interest rate, the fixed APR for this loan type is 8.088%. The monthly payment would be: 83 payments of $1,301.21 at an interest rate of 7.625% 1 payment of $129,845.66 at an interest rate of 7.625%. The monthly payment amount displayed includes principal and interest. The payment amount does not include property taxes which must be paid in addition to your loan payment. Actual APR based on creditworthiness. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
30-year fixed second mortgage with 15-year balloon	8.50%	-	8.72%	30-year
Details 15-year balloon; Important Loan Information; The information provided is for a 30-year amortized fixed-rate second mortgage loan with a 15-year balloon and assumes the purpose of the loan is to obtain cash out on an existing property, with a loan amount of $135,000.00, an existing first mortgage of $225,000.00 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. The rate lock period is 60 days and the assumed credit score is 740 or above. At a 8.500% interest rate, the fixed APR for this loan type is 8.721%. The monthly payment would be: 179 payments of $1,038.03 at an interest rate of 8.500% 1 balloon payment of $106,451.09 The monthly payment amount displayed includes principal and interest. Actual APR based on creditworthiness. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
30-year USDA Loan	6.25%	-	6.83%	30-year USDA
Details The information provided is for a 30-year USDA mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $454,545.00 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 45 days and the assumed credit score is 740. At a 6.250% interest rate, the fixed APR for this loan type is 6.825%. The monthly payment would be: 359 payments of $2,960.18 at an interest rate of 6.250% 1 payment of $2,831.69 at an interest rate of 6.250%. The monthly payment amount displayed includes principal, interest, and mortgage insurance. 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
40-year first-time homebuyer with 15-year balloon Loan	7.63%	-	7.83%	40 years
Details Term: 40-year first-time homebuyer with 15-year balloon; The information provided is for a 100% first-time homebuyer 40-year amortized fixed-rate loan with a 15-year balloon 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. At a 7.625% interest rate, the fixed APR for this loan type is 7.833%. The monthly payment would be: 179 payments of $3,002.97 at an interest rate of 7.625%. One balloon payment of $404,931.71. 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 pay Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
Business lines of credit Loan	-	-	8.50%
Details Published APR range: 8.5-11%. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
Cash Back Loan	-	-	15.99%
Details as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
Construction loan	7.25%	-	7.93%	30 year fixed
Details The information provided is for a 30 year fixed One-Time close loan with a 12-month construction term. The rate lock period is 60 days and assumes a 700+ FICO, and 80% Loan-to-value. No prepayment penalty. Allows 1-time float down at modification if rates drop, otherwise rate is capped at construction rate. During construction phase, minimum payments are interest only based on the amount drawn. 360 payments of $1,227.92 per $1,000 borrowed after construction period. Actual APR based on creditworthiness. Payments do not include taxes and insurance and the actual payment obligation will be greater. Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
Construction Loan	7.25%	-	7.93%
Details Term: One- or two-step close; as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
Low Rate Loan	-	-	11.49%
Details as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
Rewards Loan	-	-	12.49%
Details as low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
Business sweep	1.14%	-	1.15%
Min Balance $0 Details under $50,000; 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
Business sweep	2.91%	-	2.95%
Min Balance $250,000 Details $250,000 +; 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
Business sweep to $249,999	1.64%	-	1.65%
Min Balance $100,000 Details $100,000; 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%
Business sweep to $99,999	1.39%	-	1.40%
Min Balance $50,000 Details $50,000; 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 09/21/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.84%

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.

Financial Health History

Mountain America Federal Credit Union’s Texas Ratio rose from 6.34% in Q2 2023 to 7.84% in Q1 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$22.7B	7.84%	5.0	A
December 31, 2025	$21.9B	10.54%	5.0	A
September 30, 2025	$21.7B	10.12%	5.0	A
June 30, 2025	$21.5B	10.22%	5.0	A
March 31, 2025	$21.2B	7.65%	5.0	A
December 31, 2024	$20.2B	10.41%	5.0	A
September 30, 2024	$20.3B	10.02%	5.0	A
June 30, 2024	$19.6B	8.90%	5.0	A
March 31, 2024	$19.3B	8.18%	5.0	A
December 31, 2023	$18.4B	9.30%	5.0	A
September 30, 2023	$18.0B	8.01%	5.0	A
June 30, 2023	$17.3B	6.34%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 7181 S Campus View Dr, West Jordan, UT 84084-4312

Phone 801-325-6220

Fax

President Scott Burt

CEO Sterling Nielsen

Full-Time Employees 3,618

Part-Time Employees 549

Branch Locations 106

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 (96/100)

Texas Ratio

7.84%

Return on Assets (ROA)

0.2180%

Return on Equity (ROE)

2.3176%

Non-Performing Loans Ratio (NPL)

1.03%

Total Assets

22,659,231,635

Total Amount of Shares and Deposits

20,129,481,023

Total Shares and Deposits < 1 Year

18,312,330,176

Total Shares and Deposits 1 3 Years

1,431,623,224

Total Shares and Deposits > 3 Years

385,527,623

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

3,795,268,372

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

3,795,268,372

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

16,334,212,651

Total Interest Expense (Sum of items 6 8)

120,616,356

Share Certificates

283,651

Number of Accounts for Share Drafts

1,315,658

IRA KEOGH Accounts

29,679

Number of Accounts for Regular Shares

1,645,695

All other shares

198,242

Non Member Deposits

Money Market Shares

507,056

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)

2,453,320,816

Total Liabilities

20,536,021,486

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Mountain America Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/mountain-america-federal-credit-union-rates-review-24692">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Mountain America Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Mountain America Federal Credit Union

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.

Current Mountain America Federal Credit Union Rates

12-Month CD3.90%
18-Month CD4.00%
24-Month CD4.25%
60-Month CD4.25%
Savings0.05%
MMA0.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Mountain America Federal Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Mountain America Federal Credit Union Texas Ratio

Mountain America Federal Credit Union Health Trend

Mountain America Federal Credit Union CD Rates

Mountain America Federal Credit Union Savings Rates

Mountain America Federal Credit Union Money Market Rates

Mountain America Federal Credit Union Checking Rates

Mountain America Federal Credit Union Mortgage Rates

Mountain America Federal Credit Union Home Equity & HELOC

Mountain America Federal Credit Union Auto Loan Rates

Mountain America Federal Credit Union RV, Boat and Powersport Loan Rates

Mountain America Federal Credit Union Credit Card Rates

Mountain America Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Mountain America Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Mountain America Federal Credit Union

How many branches does Mountain America Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Current Mountain America Federal Credit Union Rates

Compare to Other Credit Unions