Mountain America Credit Union

Get Your FICO^® Score For Free

Now you can access your FICO^® Score for free. If you have a loan or checking account at Mountain America, you can view it free of charge. All you need is our mobile banking app.

Get Your FICO^® Score For Free

Now you can access your FICO^® Score for free. If you have a loan or checking account at Mountain America, you can view it free of charge. All you need is our mobile banking app.

Why Your FICO^® Score Is Important

Your FICO^® Score is a key component of your financial wellbeing. It helps determine your ability of getting a loan and what rate it will have. The higher the score, the better financing options and rates you have.

The FICO® Scores which are in use today by the vast majority of lenders fall within the 300-850 score range. This score range was introduced to establish an easy-to-understand, common frame of reference for lenders and consumers.

FICO^® Scores are calculated from many different pieces of credit data in your credit report. This data is grouped into five categories as outlined below. The percentages in the chart reflect how important each of the categories is in determining how FICO^® Scores are calculated.

Learn more about your FICO^® Score by reviewing our FAQs.

How to Access Your FICO^® Score For Free

Log in to Mountain America’s mobile banking app.
Tap the menu in the top-left corner
Select Your FICO^® Score.

Get the app to start viewing your FICO^® Score

Download it for iOS, Android or Amazon Kindle

Download the app
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. Mountain America Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Mountain America Credit Union and Fair Isaac do not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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08.23.17
Todays Rates

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 3.875 % interest rate, the APR for this loan type is 4.004%. The monthly payment would be:

359 payments of $846.43 at an interest rate of 3.875 %
1 payment of $848.82 at an interest rate of 3.875 %

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.

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.

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 3.000 % interest rate, the APR for this loan type is 3.225%. The monthly payment would be:

179 payments of $1,243.05 at an interest rate of 3.000 %
1 payment of $1,244.30 at an interest rate of 3.000 %

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.

60 monthly payments of $18.08 per $1,000.00 borrowed. Includes 0.25% discount with MyStyle Checking.

84 payments of $13.66 per $1,000.00 borrowed. Rate is based on an 80% or less LTV.

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 4.750 % interest rate, the APR for this loan type is 4.930%. The monthly payment would be:

359 payments of $938.97 at an interest rate of 4.750 %
1 payment of $940.84 at an interest rate of 4.750 %

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.

APY = Annual Percentage Yield

120 payments of $10.24 per $1,000.00 borrowed. Rate is based on an 80% or less LTV.

60 monthly payments of $18.98 per $1,000.00 borrowed. Includes 0.25% discount with MyStyle Checking.

144 monthly payments of $9.37 per $1,000.00 borrowed. Includes 0.25% discount with MyStyle Checking.

144 monthly payments of $9.37 per $1,000.00 borrowed. Includes 0.25% discount with MyStyle Checking.

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 $4.85 per $1,000 borrowed after construction period.

APY = Annual Percentage Yield

36 monthly payments of $31.80 per $1,000.00 borrowed. Includes 0.25% discount with MyStyle Checking. Terms up to 60 months available.

APY = Annual Percentage Yield

APY = Annual Percentage Yield

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