Mountain America


P.o. Box 2331
Sandy, UT 84091
See all branch locations →

Phone 1-801-619-7349

Notable Rates APY Vs.Others
Savings 0.05% 0.85% →
1-Year CD 0.25% 0.70% →
2-Year CD 0.30% 0.75% →
5-Year CD 0.70% 1.15% →
30-Year Mortgage 3.50% 2.72% →
15-Year Mortgage 3.23% 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Mountain America is an NCUA insured institution located in Sandy, UT. It was founded in 1936 and has approximately $12905.27 millions in assets.

Who can join?


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.


Family member of existing Mountain America member, including:
Spouse (including surviving spouse)
Adoptive relationship


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


Employee or volunteer of a select employee group (SEG) or affiliated association ( )
To become a select employer group of affiliated association, visit your nearest branch or call us toll-free at 1-800-748-4302.

NCUA Insured Yes / Federally Chartered
Charter Number # # 24692
Date Established 1936
Assets $12,905.27 million
Loans $9,119.96 million
Deposits $11,422.11 million
Capital $1,093.42 million

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 16, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $100 - Learn More
Money Market
0.08% $2,500 $9,999 Learn More
Money Market
0.08% $10,000 $24,999 Learn More
Money Market
0.08% $25,000 $49,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.20% $500 - Learn More
12 Mo CD
0.25% $500 - Learn More
18 Mo CD
0.25% $500 - Learn More
24 Mo CD
0.30% $500 - Learn More
30 Mo CD
0.40% $500 - Learn More
36 Mo CD
0.45% $500 - Learn More
48 Mo CD
0.60% $500 - Learn More
60 Mo CD
0.70% $500 - Learn More
Variable IRA Rates APY MIN MAX
0.05% $0 $2,500 Learn MoreShow Less

Loan Rates - September 16, 2021

Your Current Location: Connecticut, CT 06828

Home Equity Rates APR Rate Monthly Payment
Auto Loan Rates APR Rate Monthly Payment
5 Year 3.49% 3.49% $454.68
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.



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:

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
3.85% 4.38

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, 2021, Mountain America had $43,745,779 in non-current loans and $2,123,806 in owned assets. To cover these potential losses it had $1,093,417,205 in net worth and $99,240,997 in loans loss reserves. That gives it a Texas Ratio of 3.85%.

Net Worth
Mountain America U.S. Average
8.47% 12.20%

Mountain America FCU has a net worth of 8.47% versus the BestCashCow average of 12.20. 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 About Mountain America

Branches and Savings

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. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Mountain America is insured by the NCUA.

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 $1,093.42 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.

Customer Reviews for Mountain America

There are currently no comments for Mountain America. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →