MOUNTAIN AMERICA

P.O. Box 9001
West Jordan, UT 84084

 

2018 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 24692
Date Established 1936
Assets $7,538.78 million
Loans $6,407.25 million
Deposits $6,370.85 million
Capital $683.93 million

Mountain America is an NCUA insured institution located in West Jordan, UT. It was founded in 1936 and has approximately $7538.78 millions in assets.

Who can join?

Eligibility

To be eligible for Mountain America Credit Union membership, you must be one of the following:
Resident of:
Salt Lake County (UT)
Duchesne County (UT)
Wasatch County (UT) census tract 940300
Uintah County (UT) census tract 940100 or 940200
To find your census tract number, Click Here.

OR

Family member of existing Mountain America member, including:
Parent
Child
Spouse (including surviving spouse)
Sibling
Grandparent
Grandchild
Stepparent
Stepchild
Stepsibling
Adoptive relationship

OR

Living with or under the same roof as existing Mountain America members

OR

Employee or volunteer of a select employee group (SEG) or affiliated association ( https://www.macu.com/home/aboutus/join/segs/ )
To become a select employer group of affiliated association, visit your nearest branch or call us toll-free at 1-800-748-4302.

Field of Membership Restrictions

Membership in Mountain American Credit Union is open to anyone through membership in the American Consumer Council. Membership is also open to residents of Salt Lake County, Duchesne County, and select areas of Wasatch and Uintah counties in Utah.

Deposit Rates - September 22, 2018

Your Current Location: Virginia, VA 20146

CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD 10K
1.25% $500 - Learn MoreShow Less
Savings Rates (Share Account Rates) APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
2.25% $500 - Learn MoreShow Less
Special: 18 Mo FIRA
2.30% $500 - Learn MoreShow Less
Special: 60 Mo FIRA
3.25% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.10% $1 $2,499 Learn MoreShow Less
MM Rates APY MIN MAX
MM2.5K
0.25% $2,500 $9,999 Learn MoreShow Less
MM10K
0.35% $10,000 $24,999 Learn MoreShow Less
MM25K
0.45% $25,000 $49,999 Learn MoreShow Less

Loan Rates - September 22, 2018

Your Current Location: Virginia, VA 20146

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
5 Year 3.99% 3.99% $460.30 Learn MoreShow Less
Refinance Mortgage Rates APR Rate Monthly Payment
Purchase Mortgage Rates APR Rate Monthly Payment

Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.

Branches

Below are Mountain America branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Mountain America Locations

Financial Details

Mountain America Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Mountain America. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Mountain America U.S. Average
7.03% 6.94

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2018, Mountain America had $46,116,869 in non-current loans and $4,751,966 in owned assets. To cover these potential losses it had $683,929,250 in net worth and $39,695,649 in loans loss reserves. That gives it a Texas Ratio of 7.03%.

Net Worth
Mountain America U.S. Average
9.07% 13.08%

Mountain America FCU has a net worth of 9.07% versus the BestCashCow average of 13.08. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions On Mountain America

What is Mountain America?

A federal credit union, registered with the NCUA under certificate #24692.
Learn more about credit unions here.

Is Mountain America FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Mountain America?

Please see Field of Membership information above for information on who is eligible to join.

What are Mountain America's share account and share certificate rates?

Mountain America's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Mountain America?

Mountain America has total capital of $683.93 million. Full information on Mountain America's financial position is located above.

Who owns Mountain America?

Credit Unions are owned by their members.

Where are Mountain America branches located?

See branch locations nearby.

Are Mountain America ATMs Open 24/7?

Do Mountain America ATMs accept cash deposits?

Can Mountain America customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Mountain America have a mobile app?

Does Mountain America have mobile deposit?

Does Mountain America have quick pay?

How can Mountain America transfer money to other banks or credit unions?

Does Mountain America report to credit bureaus?

Does Mountain America use Chexsystems?

Does Mountain America use Equifax?

What is Mountain America's toll free phone number?

What is Mountain America's ACH Routing Number?

What is Mountain America's SWIFT code?

Where can I find Mountain America's wire transfer form?

What is the Mountain America address for deposits?

What Products Does Mountain America Offer

Does Mountain America offer mortgages?

Compare mortgage rates here.

Does Mountain America offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Mountain America offer auto and RV loans?

Compare auto loan rates here.

Does Mountain America offer student loans or personal loans?

Compare personal loan rates here.

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