*Annual percentage yield is accurate as of July 20, 2026, based on a dividend rate of 4.12%. $500 minimum balance required to open and maintain standard, IRA and Roth IRA certificates. $5 minimum balance required to open and maintain growth certificates. Growth certificates are limited to $100,000 on deposit in any one, or combination of, growth certificate accounts per primary accountholder. Growth certificates require an automated monthly deposit of at least $10. Upon meeting the $100,000 aggregate deposit limit, automated monthly deposits may be canceled by the credit union and no additional deposits will be allowed in any growth certificate for that member. Penalty for early withdrawal. Fees may reduce earnings. Offer not available for financial institutions or other institutional investors. Rate cannot be applied to previously opened certificates unless utilizing an existing one-time bump option. Limited-time offer. Any offer provided by Mountain America can be withdrawn at any time and is subject to change.