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

Current rates for Mountain America Federal Credit Union include: 12-Month CD: 4.05%, 18-Month CD: 4.15%, 24-Month CD: 4.50%, 60-Month CD: 4.50%, Savings: 0.05%, MMA: 3.60%

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Mountain America Federal Credit Union

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Mountain America Federal Credit Union Rates & Review October 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: October 13, 2026

Mountain America Federal Credit Union's top rates as of October 13, 2026 are 4.50% APY on its 24 Month CD, 0.05% APY on savings, 3.60% APY on money market accounts, 0.50% APY on checking, 5.74% on its 10-year fixed refinance (first mortgage), auto loans from 5.24% APR, and credit cards from 11.74% APR, according to rates verified by MonitorBankRates. Other Mountain America Federal Credit Union CD rates include 60 Month CD at 4.50%, 18 Month CD at 4.15%, and 12 Month CD at 4.05%. Other Mountain America Federal Credit Union mortgage rates include 12-year fixed refinance (first mortgage) at 5.99%, 15-year fixed refinance (first mortgage) at 6.49%, and 15-year fixed mortgage at 6.38%. 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 9.78%. Rates last updated and verified on 10/13/2026.

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 Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.78%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Mountain America Federal Credit Union
0152 Mountain America Center

9800 S Monroe St
Sandy, UT 84070

https://www.macu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Mountain America Federal Credit Union CD Rates

Product	Rate	APY	Term
24 Month Certificate	-	4.50%	24-month
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 5, 20264.50%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
60 Month Certificate	-	4.50%	60-month
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25% Oct 5, 20264.50%▲ from 4.25% Sep 14, 20264.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
18 Month Certificate	-	4.15%	18-month
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00% Oct 5, 20264.15%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
12 Month Certificate	-	4.05%	12-month
No additional details. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90% Oct 5, 20264.05%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%

Mountain America Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Primary savings	0.05%	0.05%
Min Balance $1 Last Updated 10/13/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Business Secondary savings	0.05%	0.05%
Min Balance $0 Last Updated 10/13/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%

Mountain America Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money market	3.54%	3.60%
Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.60% ▲ 0.05 pts · high 3.60% / low 3.55% Oct 5, 20263.60%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Business Money market	3.20%	3.25%
Min Balance $250,000 Details Balance: $250,000 - $999,999 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.25% ▲ 0.05 pts · high 3.25% / low 3.20% Oct 5, 20263.25%▲ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Business Money market	2.42%	2.45%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.40% → 2.45% ▲ 0.05 pts · high 2.45% / low 2.40% Oct 5, 20262.45%▲ from 2.40% Sep 14, 20262.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Business Money market	1.98%	2.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.90% → 2.00% ▲ 0.10 pts · high 2.00% / low 1.90% Oct 5, 20262.00%▲ from 1.90% Sep 14, 20261.90%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Business Money market	1.49%	1.50%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.45% → 1.50% ▲ 0.05 pts · high 1.50% / low 1.45% Oct 5, 20261.50%▲ from 1.45% Sep 14, 20261.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Business Money market	1.00%	1.00%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Business Money market	0.85%	0.85%
Min Balance $2,500 Details Balance: $2,500 - $9,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Business Money market	0.50%	0.50%
Min Balance $0 Details Balance: under $2,500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%

Mountain America Federal Credit Union Business Checking Rates

Product	Rate	APY
Business growth checking	0.50%	0.50%
Min Balance $20,000 Details Balance: $20,000 and over Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Business growth checking	0.25%	0.25%
Min Balance $1,000 Details Balance: $1,000 - $19,999 Last Updated 10/13/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%

Mountain America Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10-year fixed refinance (first mortgage)	5.74%	-	5.74%	10 years
No additional details. Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
12-year fixed refinance (first mortgage)	5.99%	-	5.99%	12 years
No additional details. Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 5.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
15-year fixed refinance (first mortgage)	6.49%	-	6.49%	15 years
No additional details. Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
15-year fixed mortgage	6.375%	-	6.593%	15 years
No additional details. Last Updated 10/13/2026 Rate History 6 changes since Sep 17, 2026 · 6.34% → 6.59% ▲ 0.25 pts · high 6.71% / low 6.34% Oct 13, 20266.59%▼ from 6.71% Oct 5, 20266.71%▲ from 6.59% Oct 2, 20266.59%▼ from 6.71% Sep 29, 20266.71%▲ from 6.59% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
7/6 adjustable rate mortgage	6.25%	-	6.623%
Details APR based on creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.62% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
5/6 adjustable rate mortgage	6.125%	-	6.633%
Details APR based on creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 6.63% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
7/6 first-time homebuyer adjustable rate mortgage	7.00%	-	7.059%
Details APR based on creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 7.06% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Today's Mortgage - 15-year VA Loan	6.625%	-	7.13%
Details New home purchase Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 7.13% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
10/6 adjustable rate mortgage	7.125%	-	7.181%
Details APR based on creditworthiness Last Updated 10/13/2026 Rate History 2 changes since Oct 5, 2026 · 7.25% → 7.18% ▼ 0.07 pts · high 7.25% / low 7.18% Oct 13, 20267.18%▼ from 7.23% Oct 9, 20267.23%▼ from 7.25% Oct 5, 20267.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Today's Mortgage - 30-year VA Loan	6.99%	-	7.305%
Details New home purchase Last Updated 10/13/2026 Rate History 1 change since Sep 29, 2026 · 7.19% → 7.31% ▲ 0.12 pts · high 7.31% / low 7.19% Oct 13, 20267.31%▲ from 7.19% Sep 29, 20267.19%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
30-year jumbo Loan	7.25%	-	7.365%
Details New home purchase Last Updated 10/13/2026 Rate History 1 change since Sep 29, 2026 · 7.49% → 7.37% ▼ 0.13 pts · high 7.49% / low 7.37% Oct 13, 20267.37%▼ from 7.49% Sep 29, 20267.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
15-year FHA Loan	6.50%	-	7.375%
Details New home purchase Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 7.38% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
30-year fixed mortgage	7.25%	-	7.389%	30 years
No additional details. Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 6.89% → 7.39% ▲ 0.50 pts · high 7.39% / low 6.89% Oct 5, 20267.39%▲ from 7.26% Sep 25, 20267.26%▲ from 7.01% Sep 21, 20267.01%▲ from 6.89% Sep 14, 20266.89%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
20-year fixed mortgage	7.25%	-	7.43%	20 years
No additional details. Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 6.93% → 7.43% ▲ 0.50 pts · high 7.43% / low 6.80% Sep 25, 20267.43%▲ from 7.05% Sep 21, 20267.05%▲ from 6.80% Sep 17, 20266.80%▼ from 6.93% Sep 14, 20266.93%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
30-year FHA Loan	6.75%	-	7.595%
Details New home purchase Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 7.60% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
15-year jumbo Loan	7.50%	-	7.686%
Details New home purchase Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 7.69% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%

Mountain America Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
10-year fixed home equity loan (second mortgage)	7.24%	-	7.24%	10 years
Details Second mortgage; APR based on creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
12-year fixed home equity loan (second mortgage)	7.49%	-	7.49%	12 years
Details Second mortgage; APR based on creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
15-year fixed home equity loan (second mortgage)	8.24%	-	8.24%	15 years
Details Second mortgage; APR based on creditworthiness Last Updated 10/13/2026 Rate History No change since Oct 5, 2026 · 8.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%

Mountain America Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto loans	-	-	5.24%	60 months (5 years)
Details Includes cars, pickup trucks, SUVs, etc. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.24% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Auto loans	-	-	5.49%	72 months (6 years)
Details Includes cars, pickup trucks, SUVs, etc. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%

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

Product	Rate	APR	Term
Boat loan - New & used	-	7.49%	up to 180 months
Details Term: Terms up to 180 months (15 years); Recreational vehicles Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 13, 20267.49%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Large RV - New & used Loan	-	7.49%	up to 180 months
Details Term: Terms up to 180 months (15 years); Recreational vehicles; Includes RVs, campers, toy haulers, trailers, etc. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 13, 20267.49%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Small RV/ATV - New Loan	-	7.49%	60 months (5 years)
Details Recreational vehicles; Includes ATVs, side-by-sides, motorcycles, dirt bikes, jet skis, snowmobiles, etc. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 13, 20267.49%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Small RV/ATV - Used Loan	-	7.49%	up to 60 months
Details Term: Terms up to 60 months (5 years); Recreational vehicles; Includes ATVs, side-by-sides, motorcycles, dirt bikes, jet skis, snowmobiles, etc. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.24% → 7.49% ▲ 0.25 pts · high 7.49% / low 7.24% Oct 13, 20267.49%▲ from 7.24% Sep 14, 20267.24%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Small RV/ATV - New Loan	-	7.74%	72 months (6 years)
Details Recreational vehicles; Includes ATVs, side-by-sides, motorcycles, dirt bikes, jet skis, snowmobiles, etc. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 7.49% → 7.74% ▲ 0.25 pts · high 7.74% / low 7.49% Oct 13, 20267.74%▲ from 7.49% Sep 14, 20267.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%

Mountain America Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Low Rate Credit Card	-	11.74%
Details Published APR range: 11.74% - 18.00%. As Low As; Intro rate expires: 6 months (balance transfers, through October 31, 2026); Regular APR: 11.74% - 18.00% (variable, based on card type and creditworthiness); Rates as low as 11.74% APR; Cash advance APR: 17.9%; 1% foreign transaction fee; no balance transfer fees Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 11.49% → 11.74% ▲ 0.25 pts · high 11.74% / low 11.49% Oct 9, 202611.74%▲ from 11.49% Sep 14, 202611.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%

Mountain America Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
10-year lot loan	8.125%	-	8.657%
Details Construction & lot loans; APR based on creditworthiness Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.28% → 8.66% ▲ 0.38 pts · high 8.66% / low 8.28% Sep 29, 20268.66%▲ from 8.28% Sep 14, 20268.28%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
100% first-time-homebuyer Loan	8.125%	-	8.316%
Details New home purchase Last Updated 10/13/2026 Rate History 1 change since Sep 29, 2026 · 8.19% → 8.32% ▲ 0.13 pts · high 8.32% / low 8.19% Oct 9, 20268.32%▲ from 8.19% Sep 29, 20268.19%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
15-year fixed second mortgage	8.50%	-	8.794%	15 years
Details Second mortgage; APR based on creditworthiness Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 8.42% → 8.79% ▲ 0.38 pts · high 8.79% / low 8.42% Sep 29, 20268.79%▲ from 8.67% Sep 25, 20268.67%▲ from 8.54% Sep 21, 20268.54%▲ from 8.42% Sep 14, 20268.42%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
20-year fixed second mortgage	9.25%	-	9.498%	20 years
Details Second mortgage; APR based on creditworthiness Last Updated 10/13/2026 Rate History 6 changes since Sep 14, 2026 · 8.99% → 9.50% ▲ 0.50 pts · high 9.62% / low 8.99% Oct 13, 20269.50%▼ from 9.62% Oct 9, 20269.62%▲ from 9.50% Oct 5, 20269.50%▼ from 9.62% Sep 29, 20269.62%▲ from 9.50% Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
20-year lot loan with 7-year balloon	8.00%	-	8.467%
Details Construction & lot loans; APR based on creditworthiness Last Updated 10/13/2026 Rate History 2 changes since Sep 14, 2026 · 7.96% → 8.47% ▲ 0.51 pts · high 8.59% / low 7.96% Oct 13, 20268.47%▼ from 8.59% Sep 29, 20268.59%▲ from 7.96% Sep 14, 20267.96%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
30-year fixed second mortgage with 15-year balloon	8.75%	-	8.974%	30 years
Details Second mortgage; 15-year balloon; APR based on creditworthiness Last Updated 10/13/2026 Rate History 3 changes since Sep 14, 2026 · 8.60% → 8.97% ▲ 0.38 pts · high 8.97% / low 8.60% Sep 29, 20268.97%▲ from 8.85% Sep 25, 20268.85%▲ from 8.72% Sep 21, 20268.72%▲ from 8.60% Sep 14, 20268.60%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
30-year USDA Loan	6.50%	-	7.078%
Details New home purchase Last Updated 10/13/2026 Rate History 1 change since Sep 29, 2026 · 7.21% → 7.08% ▼ 0.13 pts · high 7.21% / low 7.08% Oct 13, 20267.08%▼ from 7.21% Sep 29, 20267.21%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
40-year first-time homebuyer with 15-year balloon Loan	7.875%	-	8.086%
Details New home purchase Last Updated 10/13/2026 Rate History No change since Sep 29, 2026 · 8.09% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Cash Back Loan	-	-	16.24%
Details As Low As; Credit card Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 15.99% → 16.24% ▲ 0.25 pts · high 16.24% / low 15.99% Oct 5, 202616.24%▲ from 15.99% Sep 14, 202615.99%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Construction loan	7.625%	-	8.346%
Details New home purchase Last Updated 10/13/2026 Rate History 2 changes since Sep 21, 2026 · 7.93% → 8.35% ▲ 0.41 pts · high 8.35% / low 7.93% Oct 9, 20268.35%▲ from 8.21% Sep 29, 20268.21%▲ from 7.93% Sep 21, 20267.93%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Home equity line of credit with 6-month introductory rate	3.99%	-	7.50%	6 months
Details Rate: 3.99% intro, then 7.50% variable; APR: 7.50% Variable (based on creditworthiness); Intro rate applies for 6 months Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.50% APR Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Rewards Loan	-	-	12.74%
Details As Low As; Credit card Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 12.49% → 12.74% ▲ 0.25 pts · high 12.74% / low 12.49% Oct 5, 202612.74%▲ from 12.49% Sep 14, 202612.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Business sweep	1.24%	-	1.25%
Min Balance $0 Details Balance: under $50,000 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.15% → 1.25% ▲ 0.10 pts · high 1.25% / low 1.15% Oct 5, 20261.25%▲ from 1.15% Sep 14, 20261.15%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Business sweep	1.49%	-	1.50%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 1.40% → 1.50% ▲ 0.10 pts · high 1.50% / low 1.40% Oct 13, 20261.50%▲ from 1.40% Sep 25, 20261.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Business sweep	1.74%	-	1.75%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/13/2026 Rate History 1 change since Sep 25, 2026 · 1.65% → 1.75% ▲ 0.10 pts · high 1.75% / low 1.65% Oct 13, 20261.75%▲ from 1.65% Sep 25, 20261.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%
Business sweep	3.01%	-	3.05%
Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.95% → 3.05% ▲ 0.10 pts · high 3.05% / low 2.95% Oct 5, 20263.05%▲ from 2.95% Sep 14, 20262.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 9.78%

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.
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Financial Health History

Mountain America Federal Credit Union’s Texas Ratio rose from 8.01% in Q3 2023 to 9.78% in Q2 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
June 30, 2026	$22.9B	9.78%	5.0	A
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

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 9800 S Monroe St, Sandy, UT 84070

Phone 801-325-6220

Fax

President Scott Burt

CEO Sterling Nielsen

Full-Time Employees 3,643

Part-Time Employees 474

Branch Locations 105

ATM Locations 13

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

9.78%

Return on Assets (ROA)

0.4364%

Return on Equity (ROE)

4.5711%

Non-Performing Loans Ratio (NPL)

1.30%

Total Assets

22,854,430,381

Total Amount of Shares and Deposits

20,302,680,724

Total Shares and Deposits < 1 Year

18,143,277,461

Total Shares and Deposits 1 3 Years

1,800,308,754

Total Shares and Deposits > 3 Years

359,094,509

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

3,534,816,238

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

3,534,816,238

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

16,767,864,486

Total Interest Expense (Sum of items 6 8)

244,849,306

Share Certificates

283,009

Number of Accounts for Share Drafts

1,334,291

IRA KEOGH Accounts

29,766

Number of Accounts for Regular Shares

1,678,833

All other shares

196,265

Non Member Deposits

Money Market Shares

528,762

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)

2,238,008,574

Total Liabilities

20,686,808,091

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Mountain America Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Total Reviews

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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.

Current Mountain America Federal Credit Union Rates

12-Month CD4.05%
18-Month CD4.15%
24-Month CD4.50%
60-Month CD4.50%
Savings0.05%
MMA3.60%

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

Compare to Other Credit Unions

Mountain America Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Mountain America Federal Credit Union Texas Ratio

Mountain America Federal Credit Union Health Trend

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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