Mountain America Credit Union's purpose is to help members achieve their financial dreams by providing them with positive incentives to save and manage their money well. As a full-service financial institution, it offers members convenient account access - allowing them to control their funds in a variety of ways, including: ATMs, online banking, mobile... show more
Eligibility
Find out if you are eligible to join Mountain America Credit Union.
Mountain America Credit Union Reviews
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37%
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8%
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7%
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4%
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45%
2.9
224 reviews
224 reviews
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Mountain America Credit Union
hawanyyebassa @hawanyyebassa
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1 Star Rating
The customer service at Mountain America Credit Union is absolutely terrible. I had the misfortune of speaking with an agent named Rose, who was impolite and completely unhelpful. It honestly felt like she couldn't care less about doing her job.
I applied for a credit card limit increase, and I met every single requirement and criterion. Yet somehow, the request can still be denied based on what feels like the mood of whoever happens to be reviewing it that day. That is beyond unprofessional and completely unacceptable.
To make things worse, I had to call multiple times just to get an update because this bank is awful at communicating decisions to their customers. No proactive follow-up, no transparency, nothing. You're left in the dark unless you chase them down yourself.
Because of this experience, I will be closing my account and taking my business to a different bank. I wouldn't recommend Mountain America to anyone.
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Product: Mountain America Credit Union Credit Cards
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Mountain America Credit Union
lulu59_lc @lulu59_lc
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5 Star Rating
As always, very friendly service and great customer service! Darlene Dillon is the best! Thanks, Darlene! I know that whenever I need someone, I'll always get the best, so stop by and open an account with MACU. You'll be glad you did!
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Product: Mountain America Credit Union Checking
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Mountain America Credit Union
armoredJellybean @armoredJellybean
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1 Star Rating
I have been with MACU for over 20 years and am now looking for a new bank. Today, 10/7/25, they decided to change their online app. The workers told me they sent out a notice, but I've never received anything from them about this change. My mom is not allowed access to my account that she is a joint owner of, unless I have access to their accounts. That is what I was told by their employees. I do not want access to all of my parents' accounts. I just want my mom to be able to access my account, which she was present for when I set it up and added her to it using the required identification.
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Product: Mountain America Credit Union Checking
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Mountain America Credit Union
krahbari @krahbari
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1 Star Rating
As a long-time customer, I was taken aback when a CD account that I had opened for 18 months was recorded for 60 months. I filed a complaint with the bank to reverse the mistake. Not only did I not hear back, but I also had to bear the humiliation of being told that their investigation revealed that upon review of the phone call, their decision is binding. I requested a transcript of my recording with the original customer representative, which they refused to provide as proof. Well, as such, I will be closing all my accounts in due time, as they had the audacity to tell me that as long as I pay the penalty, they are willing to change the term from 60 months to 18 months. No, thank you. You just lost a long-term member.
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Product: Mountain America Credit Union CDs
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Mountain America Credit Union
Fawn S @Fawners
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5 Star Rating
In the 28 years with MACU, I have had three homes, and each time, the experience with the Mortgage department has been exceptional. Customer service is top-notch, as I am kept informed and up to date. I am doing a mini-mortgage now, and once again, the service is outstanding.
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Product: Mountain America Credit Union Mortgages
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Mountain America Credit Union
Michelle @michellevanepps
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1 Star Rating
I am furious with the lack of access to my money that I have had overseas. I am currently sitting on a free shuttle and now running late for my flight back to the US because I have once again been blocked from booking an Uber on both of my MACU bank cards. I have provided my travel dates through the app before traveling and have already contacted you twice while in Ireland to remove repeated blocks on my cards. I have been stuck trying to get from the airport to my hotel upon arrival, stuck alone late at night trying to get back to my hotel, and am now running late to catch my international flight because of this despite reaching out to you several times throughout this trip. I only bank with MACU and have had no access to funds during these times and have been left totally desperate, alone, trying to figure out alternatives with no money. You had better believe that will change after this experience. I could not be more infuriated right now. I am extremely disappointed. I will never bank with you while traveling again!
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Product: Mountain America Credit Union Credit Cards
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Mountain America Credit Union
waterbearer96 @waterbearer96
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5 Star Rating
I had an issue where I accidentally sent a duplicate car payment from another bank. I contacted Mountain America Credit Union (MACU) right away, and they were able to cancel the second payment before it posted—saving me from extra fees and a lot of stress.
I really appreciated how responsive and capable their staff was, especially compared to the sending bank, which couldn't or wouldn't help. MACU stepped up when it counted. That kind of service is exactly why I trust them.
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Product: Mountain America Credit Union Car Loans
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Mountain America Credit Union
kitchesdan @kitchesdan
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1 Star Rating
This company earns money from usury through overdraft fees. I've never had a balance below $5,000, yet I've incurred $350 in overdrafts this year. Figure that one out. They don't issue refunds for these, whether it's on one Visa or another debit card. It doesn't matter; they'll take your money. Beware.
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Product: Mountain America Credit Union Savings
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Mountain America Credit Union
Barbara Cline @barbarac_295
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5 Star Rating
Verified Customer
They are a great Credit Union, but Mountain America Credit Union closed the account transferred it to Sandia Federal Credit Union
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Product: Mountain America Credit Union Car Loans
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Mountain America Credit Union
Dmitri Kossenko @CALIGuy
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1 Star Rating
After they worked with me over the phone (I live in California) to open my accounts and take my money, two months later they locked my online account and are requiring me to go into a branch with two forms of ID and proof of address. This is ridiculous! I'm not going to get on a plane to Utah just to get my online account with MACU unlocked. They need to provide alternative means of verifying identity and address without visiting a physical branch.
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Product: Mountain America Credit Union Checking
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Mountain America Credit Union
thcee420 @thcee420
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1 Star Rating
Total bait and switch. They cashed my check on 3/31 and the rate changed on 4/1. They refused to honor their 18-month CD rate quoted. I filed a complaint with their state regulatory board. The customer service is dreadful.
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Product: Mountain America Credit Union CDs
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Mountain America Credit Union
Wayne Hazen @Whazen1
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1 Star Rating
Tried to open a CD account online and got turned down. Unbelievable! I deal with many banks across America and have never been turned down when I want to put money in a bank. Today, I received an action notice in the mail from them, and it states the reason as "Unable to Verify Identity". They asked for my driver's license number and other information, but what they did was check my credit rating with Experian, and there was no rating because I have my account blocked. Why check my credit rating for identity? Why did they not tell me so I could unblock it? Anyway, it is their loss, not mine. What a terrible way to do business, or should I say, lack of business.
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Product: Mountain America Credit Union CDs
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Mountain America Credit Union
ortegamaryla @ortegamaryla
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5 Star Rating
Quisiera dar mi mejor experiencia y satisfacción con el trabajo de la señorita Marina Mangiarotti del Banco Mountain America de Sandy, Utah. Es una empleada eficiente y tiene un trato extraordinario con los ciudadanos. Trabajadores así necesitamos a diario. Nos hemos sentido mi esposo y yo muy complacidos por su trabajo y por su encantador trato.
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Product: Mountain America Credit Union Credit Cards
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Mountain America Credit Union
Casey Hall @casehall30
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1 Star Rating
I am suing this bank. They victimize people with their fraudulent policies. It's the worst. Never do business with them. I will see you in court.
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Product: Mountain America Credit Union Checking
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Anonymous @Anonymous
Sorry. Never had problems
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Mountain America Credit Union
leshisler @leshisler
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1 Star Rating
Don't even waste time trying to open an account unless you can physically go into a branch. Their remote verification process will only waste hours of your time and ultimately won't work, even with a valid driver's license and passport.
Get answers to your questions about Mountain America Credit Union below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Mountain America Credit Union could be a good option if you prefer in-person banking and live in any of the six states they serve. They offer a wide range of products, from checking and savings accounts to loans and investment services.
However, there are some limitations to consider. Membership eligibility is limited to certain counties in Utah or affiliation with partner companies. Additionally, if you prioritize quality customer service or savings accounts with higher interest rates, you might find better options elsewhere.
Ultimately, the best bank depends on your individual needs and priorities. It's helpful to compare options and consider factors like fees, interest rates, branch access, and online banking features before making a decision.
The interest on Mountain America Credit Union CDs is compounded and credited monthly. This means that the interest earned is calculated monthly based on the principal and any previously credited interest.
Keep in mind that this feature can change without prior notice. For the most up-to-date information, refer to Mountain America Credit Union's website or contact their customer service by phone at (800) 748-4302.
You can check the best CD rates available to ensure that whatever decision you make really...
Yes, you may overdraft your Mountain America Credit Union checking account at an ATM, but only if you've opted in to their Overdraft Privilege Opt‑In for debit card transactions.
For the most up-to-date information, visit Mountain America Credit Union's website or contact customer service at (800) 748-4302.
You can check the best checking accounts available to ensure that whatever decision you make really fits your goals.
Unfortunately, this information is not available on Mountain America Federal Credit Union's website. You can find the loan rates here: https://www.macu.com/rates#Mortgage-HELOC-Tab, or you can contact them at 1-800-748-4302 to get a personalized quote and an overview of the mortgage closing costs and fees.
Yes, you can. You can find Mountain America Federal Credit Union's membership eligibility requirements at: https://www.macu.com/membership/eligibility.
Please note that FDIC regulates and insures deposits of banks, while NCUA regulates and insures deposits of credit unions. Mountain America Federal Credit Union is federally insured by NCUA up to at least $250,000.
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