NEWSLETTER
President's Message
Building More Value for You
Our plans for the future are all about creating better ways to support your goals today, tomorrow and beyond.
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The Guide Your Wallet Wants—How to Build Financial Confidence in 2026
Turn financial uncertainty into clarity and make steady progress on your savings with these simple routines.
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Retirement Planning Resolutions
Start the year with smart retirement moves—whether you’re just starting out or planning your next chapter.
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From Buried to Balanced—Receive Debt Guidance
Our personalized services can help you consolidate payments and regain control of your budget.
Announcement
Serve on Our Board of Directors
Help us shape our future. We’re seeking qualified volunteers to serve on the Mountain America Board of Directors.
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Building More Value for You
Sterling Nielsen,
President/CEO
The new year is here, and it's a great time to think about what you want to accomplish. As you look ahead to 2026, make sure to clearly define your financial goals—they're essential to turning your plans into reality. Mountain America Credit Union is right here as your trusted partner.
As an organization, we are collectively planning for the future too. We are committed to innovation by providing benefits that enhance your experience, technology and tools that empower you with choice, and personalized financial education. See each section below for more details on these plans.
Member benefits
Technology and digital services
Financial education and guidance
Member benefits
Member benefits
We are much more than a place to deposit your paycheck or get a loan. Whether your goal is homeownership, education or planning your next vacation, you can save for and achieve these bigger dreams as we partner together.
Unique offerings and added value
Unique offerings and added value
Because we are always looking for ways to make your financial life better, we offer customized services that you might not expect. With MyStyle® Checking, for example, you can take advantage of added benefits like telehealth services, mobile phone protection and identity monitoring.*Digital lending
Digital lending
By implementing a digital lending platform and moving to a paperless loan process, you can enjoy a faster and more efficient experience.Technology and digital services
Technology and digital services
When it comes to banking, new technologies are emerging all the time. Mountain America wants to provide these enhancements to you while keeping your money and personal information safe.Operational support
Operational support
You may have noticed that we are opening branches all over our five-state footprint. In addition to being available where you need us, we are also making deliberate infrastructure investments to support sustainable growth, taking efficiency measures that prioritize service quality, and enhancing data analysis to mitigate fraud.Mobile and online banking
Mobile and online banking
Our digital banking platform provides features to help you effectively manage your money while prioritizing strong digital security. You may have noticed newer features like the My Home Value tool and free credit score access that are now available to further support your financial needs.
Financial education and guidance
Financial education and guidance
Mountain America is committed to offering financial education at all of our branches and throughout our communities.
Financial literacy programs
Financial literacy programs
The credit union focuses on financial wellness programs to guide members at all stages of their financial journeys, from adolescence to retirement. Explore a variety of educational webinars and podcasts to address your specific priorities.Personalized financial guidance
Personalized financial guidance
If you’re looking for direct support, we also offer free one-on-one coaching sessions to help with budgeting, debt reduction and understanding credit scores.For the past 90 years, Mountain America has stayed focused on providing exceptional experiences with each interaction you have with us. This member-first approach is the foundation that drives and sustains our growth.
We are committed to providing you with the best in-person and self-serve solutions that empower you to make smart financial decisions and manage money with ease. As we begin 2026, you can count on our commitment to provide robust and trustworthy services that truly make a difference in your life.
Sincerely,
Sterling Nielsen
President/CEO
The Guide Your Wallet Wants
How to Build Financial Confidence in 2026
2024 Elevate Scholarship Winners Announced
The Mountain America Foundation is dedicated to supporting youth who embody our core values and serve their communities. We are thrilled to announce 2024 scholarship winners and hope these awards will guide these graduating high school seniors forward as they pursue their educational goals.
GET NOTIFIED
Our 2025 Elevate Scholarship applications will open later this year.
Sign up nowJanuary isn’t just the beginning of a new year—it’s the reset moment where plans turn into action. The holidays are behind us, resolutions are fresh and our financial habits are most open to change.
Planning for a confident financial year doesn’t have to be complicated. It simply requires the right mindset and the right tools—tools you already have access to as a Mountain America member.
Think of this guide as a roadmap to align your spending and savings without making your finances feel overwhelming. As you consider your options, you’ll be on your way to more control, less stress and a savings strategy that works with your life, not against it.
Your smart-start checklist for January
Open or restart your emergency savings.
Set up a Christmas Club Certificate to prepare early for holiday expenses.
Pick a certificate option based on your time frame.
Use your TurboTax member discount.
Set achievable financial goals in 2026 by registering for our webinar.
Financial goals aren’t built overnight—they are built consistently, one aligned decision at a time.
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Retirement Planning
Resolutions for Every Life Stage
As you plan for the year ahead, don’t forget to also think about longer-term planning. This is the perfect time to prepare for many happy new years to come by developing a complete retirement plan.
Here are a variety of resolutions so you can prioritize according to your life stage.
JUST STARTING OUT (20s–30s)
Resolution 1: Establish an emergency fund.
Focus on building for the future—rather than living day to day—by establishing your financial foundation. When something unexpected happens, you’ll be ready to handle it.
Resolution 2: Set up automatic contributions to an IRA.
Give yourself the best start to accumulating wealth by saving for retirement early. Your future self will gain all the benefits of compound interest and decrease the effort required throughout your 40s and 50s.
Resolution 3: Begin or bump up 401(k) contributions.
Take advantage of your employer’s 401(k) or 403(b) option, if they provide one. Contribute at least enough funds to utilize your employer’s matching program. Then increase your contribution each time you get a raise.
CLOSER TO RETIREMENT (40s–60s)
IN RETIREMENT (60s AND BEYOND)
Have questions?
Mountain America Investment Services is here to help. We tailor solutions to help you create and manage your retirement planning strategy. Call us at 1-800-540-7670 or schedule an online or in-person consultation.
Make your plan| Not Insured by NCUA or Any Other Government Agency | Not Credit Union Guaranteed |
| Not Credit Union Deposits or Obligations | May Lose Value |
From Buried to Balanced
Receive Debt Guidance
We all have experienced how mounting debt can derail financial plans. If you're managing multiple credit card payments, you know how overwhelming it can be—different due dates, varying interest rates and the constant pressure to keep up. Mountain America has personalized options to help you consolidate high-interest debt into one manageable loan.*
A clear path ahead
We work with you to combine multiple credit card balances into a single loan with one fixed monthly payment and predictable monthly obligations. Our team can sit down with you to review your debt, explain your options and help you find strategies to give you a clear path forward.
Renewed hope
Erik, a Mountain America member, found himself in a stressful financial situation and decided to ask for help. A Mountain America loan officer was able to reduce the interest rate on all three of Erik’s auto loans and lower the monthly payments, saving him more than $8,000 over the life of the loans. “They took a chance on me, and it means everything,” Erik explained.
Real relief through debt guidance
Streamline your financial life and breathe easier knowing you're on stable footing. Whether you're working to eliminate credit card debt, consolidate medical expenses or simply want to stop the avalanche of monthly payments, let us help guide you forward. We’ve seen these moments turn stress into relief time and time again.
Ready to explore your options?
Run the numbers yourself to see if it makes sense to consolidate your debt with our personal debt consolidation calculator. Next, make an appointment and find out how we can work with your unique financial situation.
Get financial relief
Board Seeks Volunteers
Help us shape our future
Mountain America is seeking qualified volunteers to serve on the Board of Directors. The Nominating Committee will accept one-page resumes and/or biographical information postmarked no later than Tuesday, February 3, 2026.
Selected candidates will be nominated, subject to membership approval, at the Annual Meeting on Tuesday, April 21, 2026, at 6 p.m.
Send email submissions to:
boardapplication@macu.com
Or mail information to:
Mountain America Federal Credit Union
Nominating Committee
Attn: Board Application
P.O. Box 2331, Sandy, Utah 84091
Photograph © Jonathon Wilcox | 2026 Calendar Contest Winner, November
