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Mountain America

P.O. BOX 2331, Sandy, UT 84091
NCUA Insured3.8 (153 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1936

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

Location & Directions

Address

P.O. BOX 2331

Sandy, UT 84091

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(801) 325-6220

Service Area

This credit union is located in Sandy and serves members in the UT area. Currently serving 1,406,629 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

5.99%

Used Auto Loan

5.99%

Personal Loan

13.24%

Credit Card APR

11.74%

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(109 total)

Member Reviews

3.8

153 Google reviews

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

View on Google Maps
Zachery French

Zachery French

7 months ago

Came in at open to deposit cash and break some bills. Both tellers were helping the same lady. There were three people sitting in in their offices just scrolling on their phones, not even attempting to look like they’re working, instead of helping the long line.

Jenn Bean

Jenn Bean

5 months ago

I would give zero stars if it was possible - not just at this branch, but at multiple east side locations. I banked with MACU for 28 years and finally switched after 3 fraud claims on my account in the same year. In neither instance was I able to speak directly with a fraud agent, understand the process of the claim, or receive notification of their activity on my account or decisions. Customer service was awful, disjointed, unresponsive, and lacked any compassion for my situation. Your money is not safe or protected with MACU, they are not your advocates. Choose another bank who cares about you and your hard earned money.

Angie H

Angie H

3 months ago

This branch must only succeed by location only. Their staff is incompetent and lazy. Tellers make mistakes often and member service knows nothing but will give you phone numbers of their back office only. When taking my fathers death certificate over to restructure his accounts Hector knew nothing and guessed or asked his "branch manager" every question yet where is the manager? Is there one? Office hiding. AI take over quick please.

Daniel D

Daniel D

8 months ago

I had an excellent experience at this branch. Luis, who helped me with my loan, provided outstanding service from start to finish. He was patient, professional, and made sure I understood all the details. The process was smooth, transparent, and I felt truly supported. I highly recommend this credit union and especially Luis for anyone looking for financial guidance and great customer service! Thank you so much!

Ahmed Babakir

Ahmed Babakir

7 months ago

Amie is amazing! She helped me through my car loan and gave me the best advice She never pressured me or anything she’s just a genuinely great person. When she’s helping me it doesn’t even feel like I’m at a bank I truly wish her all the best!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).