Mountain America Credit Union Review 2023

Founded in the mid-1930s, Mountain America Credit Union is a federally chartered credit union. It’s the 10th largest credit union in the U.S and second largest in Utah with more than $17 billion in assets.

It has more than 100 branch locations throughout Arizona, Idaho, Montana, Nevada, New Mexico, and Utah, as well as an extensive network of more than 50,000 surcharge-free ATMs spanning much of the Intermountain West. Most branches are open Monday through Friday from 9 a.m. to 6 p.m. local time. Some branches are open only in the drive-through from 9 a.m. to 2 p.m., and others are open in the lobby and drive-through from 9 a.m. to 2 p.m. All branches are closed Sunday.

All rates and fees are current as of July 11, 2023 and are subject to change.

Mountain America Credit Union offers many types of deposit accounts to help members manage their money, including checking, savings, money market, and certificates of deposit (CDs).

Mountain America Credit Union has two checking account options, including a free checking account and one that earns rewards. There are also several savings accounts.

The credit union does not have a high-yield savings account. However, it does provide both traditional and IRA money market accounts with tiered interest rates.

Mountain America has many CD options to choose from. The interest rates are on par with some of the top CD rates available today, with low opening deposit requirements.

In addition to deposit accounts, the MACU also provides several other banking services, including:

Members of Mountain America have access to a variety of online and mobile banking services, including the ability to deposit checks, pay bills, view documents, get alerts, and more. Members can also view checking and credit card rewards points, as well as redeem them for things like travel rebates and gift cards. The MACU mobile app has a 4.7 star rating on the Apple store and a 3.3 star rating on Google Play.

The customer service center can be reached by calling 1-801‑325‑6228 or toll-free at 1‑800‑748‑4302. You can also send an email through an online form.

If you’re considering becoming a member of Mountain America Credit Union, consider these pros and cons first:

There are many ways to join this credit union. Membership to MACU is open to residents of certain counties in Utah, family members of existing MACU members, those that live in the same household as a MACU member, and employees or volunteers of a Select Employer Group (SEG) or affiliated association.

Since Mountain America is a not-for-profit financial cooperative, it is owned and operated by its members. The president and CEO is currently Sterling Nielsen.

Minimum balance requirements vary by account. However, only $1 is needed to open a savings account.

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