NEWSLETTER
President's Message
Why Mountain America Is Built for Our Members
Mountain America's recent updates reflect our enduring commitment to supporting each member's financial path.
Feature
Your Home Team
In the homebuying process, the right team makes all the difference. We offer guidance from first base all the way to home.
Feature
Rewards Made Simple
Make your everyday purchases work twice as hard—right now with our limited-time double rewards offer.
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Create Your Own Profile Today
If you are a joint user, set up your own digital banking profile to unlock personalized features and stronger fraud protection.
Announcement
You’re Invited—Celebrating 90 Years
Ninety years of serving our members calls for a celebration—and we want you there.
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Why Mountain America Is Built for Our Members
Sterling Nielsen,
President/CEO
In 1936, Mountain America Credit Union was founded on a simple but powerful promise—to help fellow telephone company employees improve their lives. This cooperative model became possible through the Federal Credit Union Act of 1934, which opened the door to a new kind of banking institution in the United States. When this new ownership structure was introduced, control within these financial institutions shifted from shareholders to members.
Part of a larger movement
Today, this member-first focus lives on through what credit unions call the people helping people philosophy. It’s a shared vision that remains the framework for every decision we make as an organization.
As we recognize 90 years of service to our members, I am reminded that what has kept Mountain America strong is not just our longevity, it is our commitment to continuous improvement.
One member, one login
At the heart of this commitment is the idea that each member’s financial path is improved through a customized experience. Our new login structure, which provides members with simplified account access, is more than a technological improvement—it is the foundation for a banking relationship that is truly yours.
Here is what the new structure means for you:
Stronger fraud protection
Security has always been a priority at Mountain America, and these updates take it further. With a single login per member, our systems can more accurately apply behavioral biometrics to identify and stop unauthorized access before it becomes a risk to you. This is one of the many measures we have taken so you can bank with confidence.
More services for joint accountholders
Shared finances shouldn't limit a member’s experience. This is why joint users can now register for an individual digital banking profile, unlocking access to a variety of added features that can better inform your financial decisions and help you plan for the future. With our updated platform, you can set up personalized account alerts, manage your own bill pay payees and check your credit score as often as you like.
Putting members first
We remain steadfast in our commitment to grow and evolve alongside the communities we serve, but our most important priority remains taking care of our members. I’m confident we have the right people and the right preparations in place to support members for many years to come.
We know change can sometimes feel unfamiliar, and we are here to help you navigate every step of the way. Our team is ready to answer your questions, walk you through new features and make sure you feel confident and supported in your financial goals.
Thank you for being a valued member of Mountain America. It is an honor to serve you. We look forward to guiding you forward well into the future.
Sterling NielsenPresident/CEO
Your Home Team
Buying a home is one of the biggest decisions you'll ever make, and having the right team by your side can make all the difference. From pregame warmups to the final inning, our mortgage team is here to coach you through every play of the homebuying process.
First
Base
Look at loan options
When you join our team, we will meet with you to check your credit report and credit score. This step helps you determine the home price you can afford and the best type of mortgage loan for your situation. Our mortgage specialists know the local market, understand the homebuying process and are here to help you find a loan that fits your unique situation.Browse loan options
Get prequalified and make an offer
Next, we’ll get you a letter of prequalification so you can make an offer with confidence. This letter lets sellers know that you are a serious buyer and determines your maximum loan amount. Then comes the exciting part—finding your new home!Request a letter
Order an appraisal and home inspection
After your offer is accepted by the seller, you will need to order an appraisal to determine the property’s market value, as well as an inspection to look at the home’s condition. Both are an added cost to the buyer and should be factored into your homebuying budget.Make an appointment
Close on your home
Mountain America members who apply for a new home or construction loan purchase can receive a free appraisal through July 31, 2026.*There’s no better feeling than closing on your new home. We will guide you through each step of the homebuying process to ensure you enjoy the journey all the way to home plate.
Connect with a local mortgage specialist from Mountain America today.
Join our home team Find your nearest branch
| * | Loans on approved credit. Membership required—based on eligibility. Free appraisal on new purchases and construction loans only. Not available on refinance loans. Cannot be combined with other offers. Limit one per household. Offer valid on applications received 4/1/26–7/31/26 for loans closing no later than 8/31/26. This limited-time offer can change or be withdrawn at any time. |
First base
Look at loan options
When you join our team, we will meet with you to check your credit report and credit score. This step helps you determine the home price you can afford and the best type of mortgage loan for your situation. Our mortgage specialists know the local market, understand the homebuying process and are here to help you find a loan that fits your unique situation.Browse loan options
Second base
Get prequalified and make an offer
Next, we’ll get you a letter of prequalification so you can make an offer with confidence. This letter lets sellers know that you are a serious buyer and determines your maximum loan amount. Then comes the exciting part—finding your new home!Request a letter
Third base
Order an appraisal and home inspection
After your offer is accepted by the seller, you will need to order an appraisal to determine the property’s market value, as well as an inspection to look at the home’s condition. Both are an added cost to the buyer and should be factored into your homebuying budget.Make an appointment
Home Run
Close on your home
Mountain America members who apply for a new home or construction loan purchase can receive a free appraisal through July 31, 2026.*There’s no better feeling than closing on your new home. We will guide you through each step of the homebuying process to ensure you enjoy the journey all the way to home plate.
Connect with a local mortgage specialist from Mountain America today.
Join our home team
Find your nearest branch
| * | Loans on approved credit. Membership required—based on eligibility. Free appraisal on new purchases and construction loans only. Not available on refinance loans. Cannot be combined with other offers. Limit one per household. Offer valid on applications received 4/1/26–7/31/26 for loans closing no later than 8/31/26. This limited-time offer can change or be withdrawn at any time. |
FIRST BASE
Look at loan options
When you join our team, we will meet with you to check your credit report and credit score. This step helps you determine the home price you can afford and the best type of mortgage loan for your situation. Our mortgage specialists know the local market, understand the homebuying process and are here to help you find a loan that fits your unique situation.
SECOND BASE
Get prequalified and make an offer
Next, we’ll get you a letter of prequalification so that you can make an offer with confidence. This letter lets sellers know that you are a serious buyer and determines your maximum loan amount. Then comes the exciting part—finding your new home!
Request a letter
THIRD BASE
Order an appraisal and home inspection
After your offer is accepted by the seller, you will need to order an appraisal to determine the property’s market value, as well as an inspection to look at the home’s condition. Both are an added cost to the buyer and should be factored into your homebuying budget.Mountain America members who apply for a new home or construction loan purchase can receive a free appraisal through July 31, 2026.*
Make an appointment
Rewards
Made Simple
1
Use your card
2
Earn points
3
Redeem
Why choose a rewards card
Our Rewards credit card can deliver more value than standard cards because you earn one point on every dollar spent, no special requirements.
As you use your card for regular expenses, you collect points that can easily be redeemed for a variety of options—travel, gift cards, event tickets and even cash. It’s a practical way to stretch your budget, especially when you pay off your full balance each month to avoid interest charges.
Earn points on everything
Everyday purchases are the perfect option with our Rewards credit card. Gas, groceries, bills—it all counts. Points accumulate steadily and can be redeemed for small items, like a $25 gift card, or something more extravagant such as a $500 travel rebate.
Score double
You can further maximize your card benefits by taking advantage of special promotions. For example, Mountain America is currently offering double points on every purchase with your Rewards credit card through July 31, 2026.1
It’s more than just points
Our Rewards credit card has features that make life easier:
Competitive rates
No balance transfer fees
Free credit score access
Card manager
Simple rewards start with a simple step
Apply for your Mountain America Rewards credit card online, in the app, at any branch or over the phone at 1-800-748-4302.
Earn rewards2. Balance transfers and cash advances will accrue interest from the date the transaction is processed. The annual percentage rate for cash advances is 17.90%.
Top Five Reasons to Create Your Own Profile
One key benefit of our system improvements is that joint accountholders can now register for their own digital banking profile. Having a separate login from your primary accountholder provides added benefits and services.
With your own login, you can enjoy:
REGISTER TODAY!
If you haven’t already, sign up now for your unique digital banking profile. You can also create your profile by opening the mobile app and clicking Register a New Account.
Celebrating 90 Years
Your story has shaped our story. In celebration of 90 years of service, we are holding a special member celebration event at all Mountain America branches.
Please join us!
Thursday, July 16
1–5 p.m.
No RSVP required—simply show up and enjoy:
- Games
- Cookies¹
- Giveaways²
- Community partners
- While supplies last.
- Terms, conditions and exclusions apply.
Photograph © Ethan Green
2026 Calendar Contest Winner, June
