C U P

P O Box 50526, Provo, UT 84605

NCUA Insured3.8 (32 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1960

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Provo, UT may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1960

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

P O Box 50526

Provo, UT 84605

Google Maps 🗺Waze

(801) 374-1170

Service Area

This credit union is located in Provo and serves members in the UT area. Currently serving 790 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.89%

Used Auto Loan

6.05%

Personal Loan

9.63%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in UT

Lowest rates currently reported by credit unions in UT (NCUA Q4 2025).

New Heights— New Auto Loan

Logan, UT

2.50%

Horizon Utah— Used Auto Loan

Farmington, UT

4.84%

Hi-Land— Personal Loan

Salt Lake City, UT

7.73%

Kings Peak— Credit Card APR

Roosevelt, UT

8.24%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

3.8

32 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Skyler Westover

3 months ago

NEVER WORK WITH MACU. My experience with Mountain America Credit Union has been extremely frustrating from start to finish. Every part of the process has been unclear, difficult, and far more complicated than it needed to be. I worked with several different loan officers and consistently received incomplete or conflicting information, which made an already time-sensitive transaction much harder than it should have been. Communication was poor, guidance was unclear, and overall the level of support was disappointing. Based on my experience, I would not recommend working with this credit union.

Tevan Albrecht

4 months ago

Hunter is exceptional at his Job. I have had a lot of problems since MACU changed their privacy policy, I have been trying to work with the service center over the phone for a month and they just could not help me in a timely manner. I went in to the branch to fix the problems and Hunter was able to do it quickly. He was very kind and even stayed late after hours to make sure we were taken care of. It is people like Hunter that keep me banking at MACU

olivia fairbourne

8 months ago

i worked with brandy t. to figure out how to get an auto loan and start an account and she was nothing but wonderful!!! so kind, prompt, and attentive to details. it was a great experience. along with the customer service rep who helped transfer me to the correct department!! overall a really good experience. i feel very taken care of!!

Nate Hart

7 months ago

I had to wait over half an hour in the lobby after the appointed time for a scheduled visit. However, Jacob was very professional, efficient, helpful when setting up my account. I was approved for and obtained my credit card in the same day. Jacob called me the instant my credit card was approved and got the “stretch Y” card just before the branch closed! Go cougs.