Mountain America Credit Union Review 2026
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Edited by
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At a glance
Overview
Mountain America Credit Union is best for customers in the Rocky Mountain and West Coast regions of the U.S., where its branches are located. The credit union offers especially competitive yields on its CD rates and solid yields for its money market accounts, making it a great place for savers looking to park their money.
Highlights:
Top CD Rates Free CheckingHighlights:
CDs
Checking
Savings
MMA
Customer Experience
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
These are sponsored offers rated highly by us for competitive rates, fees, and minimums.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate Savings rating = 4.4/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate CD rating = 4.6/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate CD rating = 4.1/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Offers featured here have been sponsored which impacts how, where, and in what order the products appear. Not all offers are displayed on this page.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
APY, or annual percentage yield, is the yearly return on a bank or investment account.
Mountain America Credit Union pros and cons
Pros
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There’s a wide range of CD terms available that offer competitive yields.
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Mountain America is part of the CO-OP ATM network, giving you access to more than 50,000 ATMs coast to coast.
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Opening deposit requirements are low.
Cons
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Savings account yields are low compared to what you can find at other banks.
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APYs for the money market account are solid but it’s possible to find higher yields elsewhere.
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A minimum of $1 million is required to earn the top APY
Mountain America Credit Union banking products
Mountain America Credit Union savings overview
Pros
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The account is easily accessible, requiring just $1 to open.
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There are no monthly service fees.
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Youth and Teen savings accounts are also available.
Cons
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The Primary Savings account pays an APY that is much lower than what you can find elsewhere.
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A $100 minimum balance is required to earn interest.
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There’s a $5 monthly fee if your balance falls below $100 and a $2 low-balance fee if your account falls below $1.
Mountain America Credit Union CD overview
Pros
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Yields are very competitive.
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The minimum opening deposit is low.
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There’s a wide range of terms to choose from.
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Youth and growth CDs are available.
Cons
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Adding a bump-up option to standard CDs decreases the yield.
Mountain America Credit Union money market overview
Pros
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The MMA is tiered, and yields above $2,500 are higher than average.
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There are no minimum balance requirements.
Cons
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$1 million is required to earn the top APY.
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Check-writing is not available.
Mountain America Credit Union checking overview
Pros
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There are no monthly fees or minimum balance requirements.
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Mountain America is part of the CO-OP ATM network.
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The account comes with unlimited check-writing privileges.
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Digital banking offers access to Bill Pay and Zelle.
Cons
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Mountain America charges $1.50 for using an out-of-network ATM, which is in addition to fees you may pay the ATM provider.
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There’s a $1 for closing the account within six months of opening.
Customer experience
Customer service. Customers can reach representatives on the phone everyday from 6 a.m. to 9 p.m. MT. Customers can also get help by email or by using Mountain America’s extensive FAQ articles.
Digital experience. Digital banking can be done online or through Mountain America’s app on both the Apple App and Google Play Stores. The app is highly-rated by iOS users and by Android users. Through digital banking, you get access to Bill Pay and Zelle, in addition to other functionality like mobile deposits. Moreover, you can check your FICO Score for free on Mountain America’s app or online.
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Review methodology
We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.
