Mountain America Credit Union

Teen Savings Accounts

With adulthood only a few years away, it’s important for your children to be ready to become financially independent. You can help them take that crucial first step by opening a Teen Savings account.

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Teen Savings Accounts

Mountain Adventurer Teen Savings

Are your teens on the right track to financial independence?

A teen savings account will help young adults learn money basics. They will learn to balance accounts, increase their savings, and with the MyExpress Debit Card, learn to manage a debit and credit card.

Help ensure your children are moving in the right direction financially by opening a Mountain Adventurer Account, the teen savings account from Mountain America.

Benefits of Mountain Adventurer Savings

Competitive interest rates
Checking account available, with a parent or guardian co-signer
Debit card available, with a parent or guardian co-signer
For young adults ages 13–17
Eligible for a Mountain Climber Term Deposit - Earn even more interest on your savings

Don't wait! Help your child on the path to financial success by opening a Teen Savings Account today. Apply online by clicking the button below, visit your nearest Mountain America branch, or call 1-800-748-4302.

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Teaching Teens Finances

Only 35% of teens can balance a checkbook or use a credit card. This short video explains how you can help your teens financial management skills.

Better Than A Prepaid Card

No credit check, no minimum balance, no hidden fees…no funny business!

Learn More

Open a Mountain Adventurer Savings Account for your Teen Today.

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Apply Now

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1-800-748-4302

Mountain America Credit Union does not collect or use personal information from children under 13. For more information about the Children’s Online Privacy Protection Act (COPPA), visit the FTC web site

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09.23.17
Todays Rates

APY = Annual Percentage Yield

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 3.125 % interest rate, the APR for this loan type is 3.351%. The monthly payment would be:

179 payments of $1,253.90 at an interest rate of 3.125 %
1 payment of $1,255.15 at an interest rate of 3.125 %

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.

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

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.

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

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.

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.

36 monthly payments of $31.91 per $1,000.00 borrowed. Includes 0.25% discount with MyStyle Checking. Terms up to 60 months available.

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