Today's Rates

Competitive Rates to Help You Reach Your Financial Dreams
At Mountain America Credit Union, you'll find competitive rates on home, auto, RV, and other loans to help you finance the vehicle, house, or escape you've been dreaming of.

Home

Rates and terms subject to change.
Product
Rate
Annual Percentage Rate
30-Year Fixed Mortgage
30 Year Fixed
Important Loan Information

The information provided is for a 30 year fixed mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000.00 and an estimated property value of $240,000.00. The property is located in UT and is within Salt Lake county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 25 days and the assumed credit score is 740.

At a 4.625 % interest rate, the fixed APR for this loan type is 4.760%. The monthly payment would be:

  • 359 payments of $925.45 at an interest rate of 4.625 %
  • 1 payment of $925.95 at an interest rate of 4.625 %

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. Actual APR based on credit worthiness.

4.625% Rate
4.760% APR
15-Year Fixed Mortgage
15 Year Fixed
Important Loan Information

The information provided is for a 15 year fixed mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000.00 and an estimated property value of $240,000.00. The property is located in UT and is within Salt Lake county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 25 days and the assumed credit score is 740.

At a 4.000 % interest rate, the fixed APR for this loan type is 4.231%. The monthly payment would be:

  • 179 payments of $1,331.44 at an interest rate of 4.000 %
  • 1 payment of $1,332.95 at an interest rate of 4.000 %

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. Actual APR based on credit worthiness.

4.000% Rate
4.231% APR
100% First-Time Homebuyer
MACU 100% 30 Year Fixed Rate
Important Loan Information

The information provided is for a MACU 100% First-Time Home Buyer 30 Year Fixed Rate mortgage and assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000.00 and an estimated property value of $180,000.00. The property is located in UT and is within Salt Lake county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 25 days and the assumed credit score is 740.

At a 5.375 % interest rate, the fixed APR for this loan type is 5.562%. The monthly payment would be:

  • 359 payments of $1,007.95 at an interest rate of 5.375 %
  • 1 payment of $1,010.88 at an interest rate of 5.375 %

The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. Actual APR based on credit worthiness.

5.375% Rate
5.562% APR
Home Equity Line of Credit

Variable Annual Percentage Rate (APR) based on the Prime Rate. Your APR will range from 4.00% APR to 18.00% APR based credit worthiness. Some restrictions may apply. Some fees may apply that can range from $10.00 to $5000.00. Rates subject to change. Property Insurance is required. Membership required—based on eligibility. 1% foreign transaction fee. Actual APR based on creditworthiness. Early termination fee of $170 may apply. For loans secured by a first lien, payments do not include taxes and insurance and the actual payment obligation will be greater.

5.250% Rate
5.250% APR
Mini Mortgage - 5-Yr Fixed - 1st

On approved credit. 60 payments of $18.41 per $1,000.00 borrowed. Rate is based on an 80% or less LTV. Some fees may apply. Actual APR based on credit worthiness. Payments do not include taxes and insurance and the actual payment obligation will be greater.

3.990% Rate
3.990% APR
Mini Mortgage - 7-Yr Fixed - 1st

84 payments of $13.78 per $1,000.00 borrowed. Rate is based on an 80% or less LTV. Some fees may apply. Actual APR based on credit worthiness. Payments do not include taxes and insurance and the actual payment obligation will be greater.

4.240% Rate
4.240% APR
Mini Mortgage - 10-Yr Fixed - 1st

120 payments of $10.36 per $1,000.00 borrowed. Rate is based on an 80% or less LTV. Some fees may apply. Actual APR based on credit worthiness. Payments do not include taxes and insurance and the actual payment obligation will be greater.

4.490% Rate
4.490% APR
Mini Mortgage - 12-Yr Fixed - 1st

144 payments of $9.12 per $1,000.00 borrowed. Rate is based on an 80% or less LTV. Some fees may apply. Actual APR based on credit worthiness. Payments do not include taxes and insurance and the actual payment obligation will be greater.

4.740% Rate
4.740% APR
Home Equity Loan - 5-Yr Fixed

60 payments of $18.75 per $1,000.00 borrowed. Rate is based on an 80% or less LTV. Some fees may apply. Actual APR based on credit worthiness. Payments do not include taxes and insurance and the actual payment obligation will be greater.

4.740% Rate
4.740% APR
Home Equity Loan - 7-Yr Fixed

84 payments of $14.13 per $1,000.00 borrowed. Rate is based on an 80% or less LTV. Some fees may apply. Actual APR based on credit worthiness. Payments do not include taxes and insurance and the actual payment obligation will be greater.

4.990% Rate
4.990% APR
Home Equity Loan - 10-Yr Fixed

120 payments of $10.72 per $1,000.00 borrowed. Rate is based on an 80% or less LTV. Some fees may apply. Actual APR based on credit worthiness. Payments do not include taxes and insurance and the actual payment obligation will be greater.

5.240% Rate
5.240% APR
Home Equity Loan - 12-Yr Fixed

144 payments of $9.50 per $1,000.00 borrowed. Rate is based on an 80% or less LTV. Some fees may apply. Actual APR based on credit worthiness. Payments do not include taxes and insurance and the actual payment obligation will be greater.

5.490% Rate
5.490% APR
Construction Loan

The information provided is for a 30 year fixed One-Time close loan with a 9-month construction term. Assumes a 700+ FICO, and 80% Loan-to-value. No prepayment penalty. Allows 1-time float down at modification if rates drop, otherwise rate is capped at construction rate. During construction phase, minimum payments are interest only based on the amount drawn. 360 payments of $5.29 per $1,000 borrowed after construction period. Actual APR based on credit worthiness. Payments do not include taxes and insurance and the actual payment obligation will be greater.

4.875% Rate
5.057% APR
*Starting APR

Vehicle

Rates and terms subject to change.
Product
Term
Annual Percentage Rate (based on credit worthiness)
New Auto Loan

60 monthly payments of $18.30 per $1,000.00 borrowed. Advertised APR includes 0.25% discount with MyStyle Checking. Actual APR based on credit worthiness.

60 Mos.
3.74% Rate
New Auto Loan

72 monthly payments of $15.64 per $1,000.00 borrowed. Advertised APR includes 0.25% discount with MyStyle Checking. Actual APR based on credit worthiness.

72 Mos.
3.99% Rate
Used Auto (1-3 years old)

60 monthly payments of $18.30 per $1,000.00 borrowed. Advertised APR includes 0.25% discount with MyStyle Checking. Actual APR based on credit worthiness.

60 Mos.
3.74% Rate
Used Auto (4-5 years old)

48 monthly payments of $22.46 per $1,000.00 borrowed. Advertised APR includes 0.25% discount with MyStyle Checking. Actual APR based on credit worthiness.

48 Mos.
3.74% Rate
Used Auto (6-7 years old)

36 monthly payments of $29.41 per $1,000.00 borrowed. Advertised APR includes 0.25% discount with MyStyle Checking. Actual APR based on credit worthiness.

36 Mos.
3.74% Rate
Used Auto (8+ years old)

36 monthly payments of $29.41 per $1,000.00 borrowed. Advertised APR includes 0.25% discount with MyStyle Checking. Actual APR based on credit worthiness.

36 Mos.
3.74% Rate
Small RV/ATV

60 monthly payments of $19.10 per $1,000.00 borrowed. Includes 0.25% discount with MyStyle Checking.

60 Mos.
5.49% Rate
RV Loan (Used)

144 monthly payments of $9.50 per $1,000.00 borrowed. Advertised APR includes 0.25% discount with MyStyle Checking. Actual APR based on credit worthiness.

144 Mos.
5.49% Rate
RV Loan (New)

144 monthly payments of $9.50 per $1,000.00 borrowed. Advertised APR includes 0.25% discount with MyStyle Checking. Actual APR based on credit worthiness.

144 Mos.
5.49% Rate
*Starting APR

Savings & Checking

Rates and terms subject to change.
Product
Rate
Annual Percentage Yield
Minimum Balance
Primary Savings

APY = Annual Percentage Yield

0.10% Rate
0.10% APY
$100 Min. Earning Balance
Secondary Savings

APY = Annual Percentage Yield

0.10% Rate
0.10% APY
$0 Min. Earning Balance
APY= Annual Percentage Yield
*Credit union deposits are federally insured by the NCUA. APY may change after the account is opened. The minimum balance required to earn the APY is the same as the minimum amount to open the account.

 

Term Deposit

Rates and terms subject to change.
Product
Rate
Annual Percentage Yield
Minimum Balance
6-Month Term Deposit

APY = Annual Percentage Yield

1.00% Rate
1.00% APY
$500 Min. Balance
12-Month Term Deposit

APY = Annual Percentage Yield

1.74% Rate
1.75% APY
$500 Min. Balance
18-Month Term Deposit

APY = Annual Percentage Yield

1.98% Rate
2.00% APY
$500 Min. Balance
24-Month Term Deposit

APY = Annual Percentage Yield

1.74% Rate
1.75% APY
$500 Min. Balance
30-Month Term Deposit

APY = Annual Percentage Yield

1.83% Rate
1.85% APY
$500 Min. Balance
3-Year Term Deposit

APY = Annual Percentage Yield

2.23% Rate
2.25% APY
$500 Min. Balance
4-Year Term Deposit

APY = Annual Percentage Yield

2.28% Rate
2.30% APY
$500 Min. Balance
5-Year Term Deposit

APY = Annual Percentage Yield

2.96% Rate
3.00% APY
$500 Min. Balance
12-Month Term Deposit (Youth)

APY = Annual Percentage Yield

1.98% Rate
2.00% APY
$5 Min. Balance
24-Month Term Deposit (Youth)

APY = Annual Percentage Yield

1.98% Rate
2.00% APY
$5 Min. Balance
36-Month Term Deposit (Youth)

APY = Annual Percentage Yield

2.47% Rate
2.50% APY
$5 Min. Balance
48-Month Term Deposit (Youth)

APY = Annual Percentage Yield

2.52% Rate
2.55% APY
$5 Min. Balance
60-Month Term Deposit (Youth)

APY = Annual Percentage Yield

2.96% Rate
3.00% APY
$5 Min. Balance
6-Month Term Deposit Plus

APY = Annual Percentage Yield

1.00% Rate
1.00% APY
$5 Min. Balance
12-Month Term Deposit Plus

APY = Annual Percentage Yield

1.74% Rate
1.75% APY
$5 Min. Balance
18-Month Term Deposit Plus

APY = Annual Percentage Yield

1.98% Rate
2.00% APY
$5 Min. Balance
24-Month Term Deposit Plus

APY = Annual Percentage Yield

1.74% Rate
1.75% APY
$5 Min. Balance
30-Month Term Deposit Plus

APY = Annual Percentage Yield

1.83% Rate
1.85% APY
$5 Min. Balance
3-Year Term Deposit Plus

APY = Annual Percentage Yield

2.23% Rate
2.25% APY
$5 Min. Balance
4-Year Term Deposit Plus

APY = Annual Percentage Yield

2.28% Rate
2.30% APY
$5 Min. Balance
5-Year Term Deposit Plus

APY = Annual Percentage Yield

2.96% Rate
3.00% APY
$5 Min. Balance
APY= Annual Percentage Yield
*Credit union deposits are federally insured by the NCUA. The minimum balance required to earn the APY is the same as the minimum amount to open the account. Penalties for withdrawing funds before the end of the designated term may apply. Fees may reduce earnings on account.

 

Money Market

Rates and terms subject to change.
Product
Rate
Annual Percentage Yield
Minimum Balance
Money Market - Under $2,500

APY = Annual Percentage Yield

0.10% Rate
0.10% APY
$0 Min. Balance
Money Market - $2,500 - $9,999

APY = Annual Percentage Yield

0.15% Rate
0.15% APY
$2,500 Min. Balance
Money Market - $10,000 - $24,999

APY = Annual Percentage Yield

0.15% Rate
0.15% APY
$10,000 Min. Balance
Money Market - $25,000 - $49,999

APY = Annual Percentage Yield

0.20% Rate
0.20% APY
$25,000 Min. Balance
Money Market - $50,000 - $99,999

APY = Annual Percentage Yield

0.20% Rate
0.20% APY
$50,000 Min. Balance
Money Market - $100,000 - $249,999

APY = Annual Percentage Yield

0.25% Rate
0.25% APY
$100,000 Min. Balance
Money Market - $250,000 +

APY = Annual Percentage Yield

0.30% Rate
0.30% APY
$250,000 Min. Balance
Money Market IRA - Under $2,500

APY = Annual Percentage Yield

0.10% Rate
0.10% APY
$0 Min. Balance
Money Market IRA - $2,500 - $9,999

APY = Annual Percentage Yield

0.15% Rate
0.15% APY
$2,500 Min. Balance
Money Market IRA - $10,000 - $24,999

APY = Annual Percentage Yield

0.15% Rate
0.15% APY
$10,000 Min. Balance
Money Market IRA - $25,000 - $49,999

APY = Annual Percentage Yield

0.20% Rate
0.20% APY
$25,000 Min. Balance
Money Market IRA - $50,000 - $99,999

APY = Annual Percentage Yield

0.20% Rate
0.20% APY
$50,000 Min. Balance
Money Market IRA - $100,000 - $249,999

APY = Annual Percentage Yield

0.25% Rate
0.25% APY
$100,000 Min. Balance
Money Market IRA - $250,000 +

APY = Annual Percentage Yield

0.30% Rate
0.30% APY
$250,000 Min. Balance
APY= Annual Percentage Yield
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Business Rates


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Important Loan Information

Loans subject to credit approval. Some fees may apply. Actual APR based on credit worthiness. Membership required - based on eligibility.
 
Mortgages
Assumes the purpose of the loan is to purchase a property, with a loan amount of $180,000.00 and an estimated property value of $240,000.00. The property is located in Utah within Salt Lake county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 25 days and the assumed credit score is 740. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner's insurance or property taxes which must be paid in addition to your loan payment. Actual APR based on credit worthiness.

30 Year Fixed Mortgage - At a 4.375 % interest rate, the fixed APR for this loan type is 4.508%. The monthly payment would be:
359 payments of $898.71 at an interest rate of 4.375%
1 payment of $900.04 at an interest rate of 4.375%

15 Year Fixed Mortgage - At a 3.875 % interest rate, the fixed APR for this loan type is 4.106%. The monthly payment would be:
179 payments of $1,320.19 at an interest rate of 3.875%
1 payment of $1,320.36 at an interest rate of 3.875%
 
Home Equity Line
Variable Annual Percentage Rate (APR) based on the Prime Rate. Your APR will range from 4.00% APR to 18.00% APR based on credit worthiness. Some restrictions may apply. Some fees may apply that can range from $10.00 to $5000.00. Rates subject to change. Property Insurance is required. 1% foreign transaction fee. Early termination fee of $170 may apply. For loans secured by a first lien, payments do not include taxes and insurance and the actual payment obligation will be greater.

Mini Mortgage
Rate is based on an 80% or less LTV. Payments do not include taxes and insurance and the actual payment obligation will be greater.
7 Year - 84 payments of $13.66 per $1,000.00 borrowed.
10 Year - 120 payments of $10.24 per $1,000.00 borrowed.

Visa Cards
Visa Platinum - Variable Annual Percentage Rate between 9.24% - 18.00%.
Rewards - Variable Annual Percentage Rate between 10.24% - 18.00%.
Actual APR based on creditworthiness. 1% foreign transaction fee.