Term Deposits

Reach your savings and financial goals
Mountain America’s term deposits are a great way to earn competitive dividends on safe, long-term investments.

Term Deposit

Term Deposit

A wise way to get a fixed rate of return

A wise way to get a fixed return

With a Mountain America Credit Union term deposit, you set aside funds for a set period of time—between six months and five years—and in return, you receive a higher dividends rate than with a traditional online savings account. The longer your term deposit, the more you earn. It’s a simple way to boost your savings and prepare for your financial future.

 

Account details

  • Minimum balance of only $500
  • Terms available for 6, 12, 18, 24 and 30 months, as well as 3, 4 and 5 years
  • Automatically renews at the same rate the credit union is offering on term deposits with the same term

When you choose Mountain America, you know you’re getting some of the best term deposit rates in Utah, Idaho, Arizona, Nevada and New Mexico.




 
 

Benefits of a term deposit

  • Provides higher dividends earnings than a regular savings account
  • Offers fixed, steady growth for your long-term savings
  • Comes with terms from 6 months to 5 years
  • Insured up to at least $250,000 by NCUA
  • Requires only $500 to open
 

Open Your Term Deposit

Current members, log in to Online Branch to open your account.
 
Get started
 

New members, visit your nearest branch to open an account.


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Rate & fee schedule

* APY = Annual Percentage Yield. Early-withdrawal penalties may apply. Each member is limited to $100,000 in any one or combination of Term Deposit Plus accounts.  Fees may reduce earnings on account.

Term Deposit Plus

Term Deposit Plus

Add funds anytime and watch your savings grow

Start small, earn big

Mountain America’s Term Deposit Plus account makes saving for long-term goals easy. That’s because you can start with as little as $5. And unlike traditional term deposits or CDs, you can add money anytime you want. This freedom to make additional deposits is a huge “plus.” Especially when you factor in the competitive APY.*
 

Get your Term Deposit Plus account

Visit your nearest branch to open an account.

Find a branch
 

Benefits of Term Deposit Plus

  • Only $5 to open account
  • Higher dividends earnings than a traditional savings account
  • Funds can be added at anytime
  • Terms from 6 months to 5 years
  • Requires automated monthly deposit of at least $10

* APY = Annual Percentage Yield. Early-withdrawal penalties may apply. Each member is limited to $100,000 in any one or combination of Term Deposit Plus accounts. Fees may reduce earnings on account.

Online Banking

Check on your term deposit

Conveniently access your term deposit accounts anytime, anywhere.

Mobile Banking

On-the-go access

Quickly manage your finances using a smartphone or tablet.