Mountain America Credit Union Interest Rates – Founded in the mid-1930s, Mountain America Credit Union is a federally chartered credit union. It is the 10th largest credit union in the United States and the second largest in Utah with assets of $17 billion. All deposits are insured by the National Credit Union Agency (NCUA).
It has more than 100 branch locations in Arizona, Idaho, Montana, Nevada, New Mexico and Utah, as well as an extensive network of more than 50,000 additional ATMs covering much of the Intermountain West. Most branches are open Monday through Friday from 9:00 a.m. to 6:00 p.m. local time Some branches only open from 9 am to 2 pm, and others open from 9 am to 2 pm. All branches are closed on Sundays.
Mountain America Credit Union Interest Rates
Mount America Credit Union offers several types of deposit accounts to help members manage their money, including checking, savings, money market and certificate of deposit (CD).
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Mount America Credit Union has two checking account options, including a free checking account and one that earns rewards. There are also many savings accounts.
Credit unions do not have high yield savings accounts. However, traditional money market accounts and IRAs charge interest.
Mountain America has a large selection of CDs to choose from. Interest rates are the same as some of today’s best CD rates, with lower opening deposit requirements.
American Mountain members have access to a variety of online and mobile banking services, including the ability to deposit checks, pay bills, view documents, receive alerts and more. Members can also check points for check-in and credit card rewards, as well as redeem for things like travel discounts 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.
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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 the online form.
There are many ways to join this credit union. MACU membership includes residents of certain Utah counties, family members of existing MACU members, individuals living in the same household as MACU members, and employees or volunteers of a Preferred Employer Group (SEG) or labor union.
Because Mountain America is a not-for-profit financial cooperative, it is owned and operated by its members. The current president and CEO is Sterling Nelson.
This Content Editorial Team has not been reviewed or approved by any of our partners or other third parties. What do you do when you have emergency bills like car repairs, leaky home repairs, dental, a strike? Some people quickly turn to payday lenders for convenience and quick cash. Others will look for installment loans that are often paid off by lenders in equal monthly payments. But the two mentioned options are very expensive, which requires an alternative source of credit – borrowing from a credit union. MACU is the right choice if you are looking for such a lender.
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MACU offers fast and same-day credit union loans. But what makes it an attractive option is the fact that you can skip two payments per year for only a $25 extension fee.
So what do you think about MACU as a lender? Do you want to know more about this service? Well, let’s take a look together in this comprehensive review that covers everything you need to know.
Mountain America Credit Union is a full-service, not-for-profit financial institution with 800,000 members. It helps its members achieve financial freedom. At least this is true according to lender websites, mostly because they provide a range of affordable loans and other financial products at reasonable prices.
Their services include a complete financial package, including personal loans, student loans, business loans, mortgages, mortgage refinancing, lines of credit, retirement planning, insurance and more.
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With more than 90 branches spread across five states, the credit union offers great convenience to its members. And to bring services closer to its members, MACU has adopted online banking. It also has a mobile app that lets you keep your account in the palm of your hand.
Credit unions often work with all types of borrowers, whether they have fair or bad credit. But to apply for a loan, you need to be a member first. These are non-profit financial institutions that serve special populations. It can be a person who lives, works, studies or worships in a certain area.
Mountain American Credit Union has more than 800,000 members whose collected funds are used to offer almost any type of loan to reliable borrowers. It is not necessary that one has a stellar credit report, but look at the ability to repay the loan. But how does it compare to popular payday and installment companies like CashNet USA, Check n Go or Ace Cash Express?
The loss of Mount America Credit Union is nothing to worry about because it is something that you can easily overlook. So, you can go ahead and submit your MACU loan application. It’s great if you want funding in the next 48 hours because it’s one of the fastest credit union loans. They can receive your funds as soon as the same day, depending on the loan approval.
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To apply for a loan, you must meet the requirements, as described in the next section. You can apply online or by phone by calling 800-748-4302. Alternatively, you can go the traditional route by visiting a local branch.
Online applications can be made in a dedicated free mobile banking application or directly on the website. If you want to use the app, download it from the site to get started. Click on Loans, select the type of loan you are looking for, and click Apply. Then, fill out the form below in the following steps:
Enter your email address. You can ignore the promo code section if you don’t have one. But if you do, fill it out and click start.
Below are questions about your credit union membership and your loan application. After answering the questions, proceed by clicking “Continue”.
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List your personal information and track your income and expenditure information. Remember, this information is very important to evaluate your creditworthiness and ability to pay. This is the information that MACU uses to measure your credit score using the debt-to-income ratio.
You can review your application and confirm that the information you provided is correct. Also, review the disclosures and let the credit union check your credit before you save and proceed. You can do this by checking the box and choosing how often you want to check your credit report.
Do you want to apply for a loan with your partner, family member or friend? If yes, click Add co-applicant. Otherwise, comment and click submit. This is simple.
Once Mountain America processes your funds, it pays them. Who gets paid depends on the type of loan you apply for.
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For student loans, whether it’s a line of credit (ELOC) or a private student loan, the funds go directly to the school to take care of school-specific fees that are stated during the application process. These costs can be tuition fees, extras like books or laptops, and possibly living expenses.
As for other loans such as personal loans, MACU disburses funds directly to your account. Alternatively, you can collect your check at your local branch.
American Mountain is not an ordinary debtor. There are a number of loan products to suit your various financial needs. This product includes:
To successfully complete the above process, the lender must verify your information. The Mount America Credit Union platform has automated the entire process. However, you must provide your contact information, social security number, and driver’s license number.
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After you submit your application, the team below at Credit Union of America is working on it, and a representative will call you within a day or two to let you know their decision.
If your application is successful, you are pre-approved without guarantee, as long as you submit the following documents:
If everything goes well, the lender approves your application and sends the funds to your bank account. Some people are lucky because the money arrives in their account almost the same day they sign the loan documents.
Mountain America support staff may ask you for other documents depending on the type of loan you are applying for.
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Unlike same day loans, payday loans or installment loans, which have limited operations due to different jurisdictions, credit union loans are accepted throughout the United States. But that doesn’t mean Mountain America Credit Union has a national presence. To your dismay, it only works in the five states of Arizona, Idaho, New Mexico, Nevada and some more.
As a credit union, it only lends to members. Then you must be a member of Mountain America Credit Union. But you can only be a member if you are alive
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