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It may be our story, but it's all about you.


Mountain America Credit Union first opened its doors in the 1930s with a commitment to guiding our members to achieve their financial dreams.

Today, our essence—guidance—remains the focal point of our identity. It’s a purpose-driven identity to ensure that everything we do moves you safely along your journey.

Call it a path, a trail, or simply a way through. Sometimes it's arrow straight. Other times it has unexpected twists and turns that require knowledge of the road ahead. From wherever you are to where you see yourself going, there is a clear way forward. It's life's financial journey, and we're here to guide you every step of the way.

As your financial partner, we'll help outfit you with the tools for the journey ahead—like convenient, flexible products and services designed around how you really live, as well as sound, timely advice to help steer you around any obstacles.

This is your journey.
Let's begin together, right here.

Learn more about our products and services



Mountain America fact sheet

Corporate headquarters

Mountain America Credit Union
9800 South Monroe Street
Sandy, Utah 84070
Toll free: 1-800-748-4302

About us

Mountain America Credit Union is a federally chartered credit union, regulated by the National Credit Union Administration (NCUA), an agency of the federal government. We are a full-service financial institution and are currently ranked in the top 13 of U.S. credit unions with more than $9 billion in assets. 

As a credit union, Mountain America is a member-owned, not-for-profit financial cooperative dedicated to improving its members’ lives. In fact, credit unions are the only democratically-controlled financial institutions in the U.S. Members elect a volunteer board of directors to oversee the credit union. The president/CEO (currently Sterling Nielsen) reports to this board. In contrast, banks are for-profit entities, run by paid board directors, with all profits benefitting bank shareholders.

Because credit unions aren’t focused on making a profit, we’re able to offer lower rates on loans and credit cards, as well as higher earnings on savings, money market and interest-bearing checking accounts—giving back more to members.

Additionally, credit unions educate members about money matters. We provide resources, such as in-branch financial advisors, online and print newsletters, educational brochures, seminars and community involvement, to help members and nonmembers alike make informed financial decisions.

Our purpose is to help members enjoy a good life by providing them a positive incentive to save and manage their finances. It’s part of our philosophy of “people helping people."


We are in business to help our members achieve their financial dreams.



Company type

We are a member-owned, not-for-profit, cooperative financial institution offering a full range of financial products and services.

Charter type



Regulatory agency

National Credit Union Administration (NCUA)


  • Board of directors—nine directors are elected to three-year terms

  • President and CEO—Sterling Nielsen

Total membership

870,000 members (as of October 2019)

Total assets

$9 billion (as of October 2019)

Branches and ATM network

Today, our extensive network of branches and ATMs spans much of the Intermountain West, including Utah, Idaho, Nevada, Arizona and New Mexico. We operate over 95 branches and offer branch services through online and mobile banking, automated phone banking, and a toll-free service center. 

We also belong to an extensive shared-branching network, which allows members to complete surcharge-free transactions at more than 50,000 ATMs nationwide and 5,000 shared-branch locations. This network includes the CO-OP Network, the largest no-fee ATM network in the western U.S. 

Employer groups

Many area employers have aligned with Mountain America, thereby offering their employees the opportunity to join Mountain America Credit Union and share in the benefits. These companies include L-3 Communications, Dominion Energy, Novell, State of Utah, Smith's Food and Drug, Salt Lake County employees, and more than 3,800 others.


  • 13th largest credit union in the United States1
  • 2nd largest credit union in Utah2
  • #1 SBA Lender of credit unions for the last 13 years3
  • #1 credit union in Western United States for Business Share Accounts4
  • 3rd highest ranked social media (Facebook) presence for credit unions nationally5
  • #1 credit union in Utah for returning value back to its members6


Deposits are insured to at least $250,000 by the National Credit Union Administration (NCUA) and backed by the full faith and credit of the U.S. government.

1By asset size, according to, March 2018, March 2018
3Callahan and Associates 2017
4NCUA Data, September 2017
5Accross all social platforms, The Fianancial Brand, November 2017
6Callahan and Associates,

The credit union difference

At first glance, there may not seem to be much difference between credit unions and banks. They both offer similar products and services. However, there are some critical factors that set the two apart.

Credit unions are member-owned, not-for-profit financial cooperatives dedicated to improving members' lives. In fact, they are the only democratically-controlled financial institutions in the United States. You and other members elect a volunteer board of directors to oversee the credit union. The president/CEO reports to this board. Bank directors, however, are paid and are legally bound to make decisions that benefit stockholders. Banks make money for stockholders, not for customers.

Because credit unions aren't focused on making a profit, we're able to offer lower rates on loans and higher earnings on savings. Interest rates on credit cards and auto loans average one- to one-half percentage points lower than bank rates. Money market, savings and interest checking accounts provide higher rates—giving back more to members.

Credit Unions Banks
Owned by members Owned by stockholders
Not-for-profit For profit

Additionally, credit unions educate members about money matters. We provide resources such as newsletters, educational brochures and seminars to help you make informed financial decisions. In short, you and other members are the focus of credit unions. You have a say in how we do business. You can let us know how we're doing and what services you want by using Member Voice or calling us toll-free at 1-800-748-4302.

Quarterly newsletter

Summer 2019

Creating a financial plan is simple. Start the process by answering these questions.

Spring 2019

In our 80 years of serving you, here are a few of the ways we’ve seen members achieve a life of financial freedom.

Winter 2019

We take your feedback very seriously and used it to craft the new online branch.