Mountain America Credit Union

09.28.16
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. Plus, with great rates on savings, checking, term deposits and more, you'll reach your financial goals faster. Click on a tab below to view rates for all our products and services.

Auto & RV Rates as of 09.28.16

Rates And Terms Subject To Change.

Product	Term	Fixed APR AS LOW AS
New Auto Loan	60 Mos.	2.99%	Learn More 60 monthly payments of $17.96 per $1,000.00 borrowed. Includes 0.25% discount with MyStyle Checking.
New Auto Loan	72 Mos.	3.24%	Learn More 72 monthly payments of $15.30 per $1,000.00 borrowed. Includes 0.25% discount with MyStyle Checking.
Used Auto (1-3 years old)	60 Mos.	2.99%	Learn More 60 monthly payments of $17.96 per $1,000.00 borrowed. Includes 0.25% discount with MyStyle Checking.
Used Auto (4-5 years old)	48 Mos.	2.99%	Learn More 48 monthly payments of $22.13 per $1,000.00 borrowed. Includes 0.25% discount with MyStyle Checking.
Used Auto (6-7 years old)	36 Mos.	2.99%	Learn More 36 monthly payments of $29.08 per $1,000.00 borrowed. Includes 0.25% discount with MyStyle Checking.
Used Auto (8+ years old)	36 Mos.	3.99%	Learn More 36 monthly payments of $29.52 per $1,000.00 borrowed. Includes 0.25% discount with MyStyle Checking.
Small RV/ATV	60 Mos.	4.74%	Learn More 60 monthly payments of $18.75 per $1,000.00 borrowed.
RV Loan (Used)	144 Mos.	4.24%	Learn More 144 monthly payments of $8.87 per $1,000.00 borrowed. Includes 0.25% discount with MyStyle Checking.
RV Loan (New)	144 Mos.	4.24%	Learn More 144 monthly payments of $8.87 per $1,000.00 borrowed. Includes 0.25% discount with MyStyle Checking.
Signature Loan	36 Mos.	7.74%	Learn More Rate based on a 36-month term and includes a 0.25% discount with a MyStyle Checking account. Terms up to 60 months available.

MyStyle Checking with rewards points is required to receive advertised rate. Membership required – based on eligibility. Some restrictions apply. Auto rate includes .25% discount for MyStyle Checking.

Mortgage & Heloc Rates as of 09.28.16

Rates And Terms Subject To Change.

Title	Rate	APR AS LOW AS
30-Year Fixed Mortgage	3.250%	3.374%	Learn More 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 3.250 % interest rate, the APR for this loan type is 3.374%. The monthly payment would be: 359 payments of $783.37 at an interest rate of 3.250 % 1 payment of $783.91 at an interest rate of 3.250 % 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.
15-Year Fixed Mortgage	2.500%	2.722%	Learn More 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 2.500 % interest rate, the APR for this loan type is 2.722%. The monthly payment would be: 179 payments of $1,200.22 at an interest rate of 2.500 % 1 payment of $1,200.32 at an interest rate of 2.500 % 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.
100% First-Time Homebuyer	4.375%	4.551%	Learn More MACU 100% 30 Year Fixed Rate Important Loan Information The information provided is for a MACU 100% 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 4.375 % interest rate, the APR for this loan type is 4.551%. 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 % 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.
Home Equity Line of Credit	2.49%	2.49% Intro	Learn More Annual Percentage Rate. On approved credit and new equity loans only. At the end of the 6 month promotional rate your variable rate will adjust to an APR that is based on the margin over Prime that you qualify for, which may be anywhere from 4.00% APR to 10% APR depending on your eligibility. Maximum interest rate over the life of the loan is 18%. Minimum interest rate over the life of the loan is 4.00% (on approved credit). Some restrictions may apply. Rates subject to change. Limited time offer. Membership required—based on eligibility. Consult your tax advisor for more information regarding the tax deductible benefits of a home equity line of credit.
Mini Mortgage - 5-Yr Fixed - 1st - No Fee	3.49%	3.49%	Learn More 180 payments of $7.14 per $1,000.00 borrowed. Rate is based on an 80% or less LTV.
Mini Mortgage - 7-Yr Fixed - 1st - No Fee	3.74%	3.74%	Learn More 84 payments of $13.55 per $1,000.00 borrowed. Rate is based on an 80% or less LTV.
Mini Mortgage - 10-Yr Fixed - 1st - No Fee	3.99%	3.99%	Learn More 120 payments of $10.12 per $1,000.00 borrowed. Rate is based on an 80% or less LTV.
Mini Mortgage - 12-Yr Fixed - 1st - No Fee	4.24%	4.24%	Learn More 144 payments of $8.87 per $1,000.00 borrowed. Rate is based on an 80% or less LTV.
Mini Mortgage - 15-Yr Fixed - 1st - No Fee	4.49%	4.49%	Learn More 180 payments of $7.64 per $1,000.00 borrowed. Rate is based on an 80% or less LTV.
Home Equity Loan - 10-Yr Fixed - 2nd	4.99%	4.99% Intro	Learn More 120 payments of $10.60 per $1,000.00 borrowed. Rate is based on an 80% or less LTV.
Construction Loan	3.750%	3.920%	Learn More 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 $4.63 per $1,000 borrowed after construction period.

Credit Card Rates as of 09.28.16

Rates And Terms Subject To Change.

Product	Annual Fee	Variable APR AS LOW AS
Visa Platinum	No Annual Fee	8.24%	Learn More
Visa Platinum Rewards	No Annual Fee	9.24%	Learn More

APR shown is for purchases. APR may be higher for cash advances and balance transfers. See the Visa Disclosure Statement and Visa Disclosure Agreement for complete details.

Savings & Checking Rates as of 09.28.16

Rates And Terms Subject To Change.

Product	Rate	APY	Minimum Earning Balance
Primary Savings	0.10%	0.10%	$100	Learn More APY = Annual Percentage Yield
Secondary Savings	0.10%	0.10%	$0	Learn More APY = Annual Percentage Yield
MyStyle Checking	0.10%	0.10%	$1,000	Learn More APY = Annual Percentage Yield

APY= Annual Percentage Yield

Term Deposit Rates as of 09.28.16

Rates And Terms Subject To Change.

Product - Term	Rate	APY	Min. Balance
6-Month Term Deposit	0.35%	0.35%	$500	Learn More APY = Annual Percentage Yield
12-Month Term Deposit	0.75%	0.75%	$500	Learn More APY = Annual Percentage Yield
18-Month Term Deposit	1.00%	1.00%	$500	Learn More APY = Annual Percentage Yield
24-Month Term Deposit	1.09%	1.10%	$500	Learn More APY = Annual Percentage Yield
30-Month Term Deposit	1.34%	1.35%	$500	Learn More APY = Annual Percentage Yield
3-Year Term Deposit	1.49%	1.50%	$500	Learn More APY = Annual Percentage Yield
4-Year Term Deposit	1.74%	1.75%	$500	Learn More APY = Annual Percentage Yield
5-Year Term Deposit	2.28%	2.30%	$500	Learn More APY = Annual Percentage Yield
12-Month Term Deposit (Youth)	0.75%	0.75%	$25	Learn More APY = Annual Percentage Yield
24-Month Term Deposit (Youth)	1.09%	1.10%	$25	Learn More APY = Annual Percentage Yield
36-Month Term Deposit (Youth)	1.49%	1.50%	$25	Learn More APY = Annual Percentage Yield
48-Month Term Deposit (Youth)	1.74%	1.75%	$25	Learn More APY = Annual Percentage Yield
60-Month Term Deposit (Youth)	2.28%	2.30%	$25	Learn More APY = Annual Percentage Yield

APY= Annual Percentage Yield; Early withdrawals from Regular, Youth and IRA Term Deposits are subject to fees and penalties that may reduce the earnings or the principal of the Term Deposit.

Money Market Rates as of 09.28.16

Rates And Terms Subject To Change.

Product - Tier	Rate	APY	Min. Balance
Money Market - Under $2,500	0.10%	0.10%	$0	Learn More APY = Annual Percentage Yield
Money Market - $2,500 - $9,999	0.15%	0.15%	$2,500	Learn More APY = Annual Percentage Yield
Money Market - $10,000 - $24,999	0.15%	0.15%	$10,000	Learn More APY = Annual Percentage Yield
Money Market - $25,000 - $49,999	0.20%	0.20%	$25,000	Learn More APY = Annual Percentage Yield
Money Market - $50,000 - $99,999	0.20%	0.20%	$50,000	Learn More APY = Annual Percentage Yield
Money Market - $100,000 - $249,999	0.25%	0.25%	$100,000	Learn More APY = Annual Percentage Yield
Money Market - $250,000 +	0.30%	0.30%	$250,000	Learn More APY = Annual Percentage Yield
Money Market IRA - Under $2,500	0.10%	0.10%	$0	Learn More APY = Annual Percentage Yield
Money Market IRA - $2,500 - $9,999	0.15%	0.15%	$2,500	Learn More APY = Annual Percentage Yield
Money Market IRA - $10,000 - $24,999	0.15%	0.15%	$10,000	Learn More APY = Annual Percentage Yield
Money Market IRA - $25,000 - $49,999	0.20%	0.20%	$25,000	Learn More APY = Annual Percentage Yield
Money Market IRA - $50,000 - $99,999	0.20%	0.20%	$50,000	Learn More APY = Annual Percentage Yield
Money Market IRA - $100,000 - $249,999	0.25%	0.25%	$100,000	Learn More APY = Annual Percentage Yield
Money Market IRA - $250,000 +	0.30%	0.30%	$250,000	Learn More APY = Annual Percentage Yield

APY= Annual Percentage Yield

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