Mountain America Credit Union

What Mountain America Credit Union does

Mountain America Credit Union is a federally chartered, not-for-profit financial cooperative founded in the 1930s and headquartered in Sandy, Utah. It serves more than one million members across five western US states (Utah, Idaho, Arizona, Nevada, and Montana) through a network of more than 100 branches, with $22 billion in reported assets. The institution offers a comprehensive retail and commercial banking product set spanning checking and savings accounts, certificates and IRAs, auto/RV/boat/motorcycle/ATV financing, mortgage products (conventional, FHA, jumbo, ARM, construction, reverse, HELOC, home equity, refinance), consumer credit cards including co-branded alumni and professional sports cards (BYU, Boise State, Phoenix Mercury, Phoenix Suns), and SBA loans backed by a Preferred Lender ranking as the #1 SBA credit union in the United States for 22 consecutive years. Business services include small-business lines of credit, secured lines of credit, equipment loans, commercial real estate and construction loans, business deposit accounts, and the Positive Pay fraud detection service.

Technology infrastructure includes the mysherpas cloud-based lending platform deployed across the business lending group to consolidate commercial, small-business, and SBA workflows (implementation completed in 42 days, compared with an 18-month industry standard), a digital banking platform with mobile app, Card Manager, Zelle integration, mobile deposit, credit monitoring, and credit lock capabilities, and the CaseHub AI-powered fraud and dispute management platform from Quinte Financial Technologies. Card controls and wallet provisioning support Apple Pay and Google Pay. Wealth management is delivered in partnership with LPL Financial's Guided Wealth Portfolios, alongside insurance products (auto, home, life, business, RV, motorcycle, boat, umbrella) and retirement planning services.

The revenue model is dominated by net interest income from consumer and commercial lending (auto, mortgage, SBA, credit card), supplemented by fee-based services (overdraft, ATM, wire), insurance commissions, and investment referral revenue. As a not-for-profit cooperative, surplus is returned to members via lower loan rates and higher deposit yields, with member savings on interest reported at $425 million over a two-year window. The institution distributes through a hybrid model combining physical branches, dedicated SBA loan officers across all five states, in-person consultation, and digital self-service.

Name

Mountain America Credit Union

Legal name

Mountain America Federal Credit Union

Website

https://macu.com

Company type

Private

Founded year

1930

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Mountain America Credit Union is a federally chartered, not-for-profit financial cooperative serving over one million members across Utah, Idaho, Arizona, Nevada, and Montana through 100+ branches, offering consumer and commercial banking, SBA lending, mortgages, and wealth management services.

Ownership category

akta.pro rank

Product category

Retail Banking / Credit Union Services

NAICS

Credit Unions (52213), Credit Unions (522130)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

Keywords

• Credit union services
• Consumer banking
• Business lending
• Mortgage lending
• Financial services

Headquarters

HQ city

West Jordan

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income on Loans: Primary revenue stream from interest charged on auto loans, home loans, credit cards, personal loans, and business/SBA loans. Mountain America offers competitive rates as a not-for-profit credit union, passing savings to members.
2. Fee-Based Services: Revenue from various fees including overdraft fees, ATM fees, wire transfer fees, and business service fees. Also includes insurance product commissions and investment services revenue through LPL partnership.
3. SBA Loan Origination: As the #1 SBA lending credit union for 22 consecutive years, SBA loan origination fees and interest income from 7(a), 504, and Express programs represent a significant business lending revenue stream.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

Mountain America Credit Union is a member-owned, not-for-profit financial cooperative that delivers retail banking, consumer lending, mortgage, business banking (including SBA loans), wealth management, and insurance products to more than 1 million members. It serves individual consumers and small-to-mid-sized businesses across Utah, Idaho, Arizona, Nevada, and Montana through more than 100 branches and a digital banking platform.

Product overview

Mountain America Credit Union offers a comprehensive financial services platform providing banking, lending, credit cards, insurance, and wealth management products. The core banking products include multiple checking account options (MyStyle Rewards, MyFree, Student, MyExpress) and savings products (Primary Savings, Certificates, Money Market, IRAs, Teen/Youth Savings, Christmas Club). The credit card portfolio includes Rewards, Low Rate, Cash Back, and co-branded alumni/team cards (BYU, BSU, Phoenix Mercury, Phoenix Suns). Vehicle lending covers Auto, RV, Boat, Motorcycle, ATV/UTV, and Trailer loans. Home lending includes Conventional, FHA, First-Time Homebuyer, Construction, HELOC, Home Equity, Jumbo, ARM, Refinance, Lot/Land, Second Mortgage, and Reverse Mortgage products. Business services feature SBA Loans (ranked #1 nationally for 22 consecutive years), Small Business Lines of Credit, Secured Lines, Equipment Loans, Commercial Real Estate, and Business Checking/Savings accounts. Digital banking add-ons include Online/Mobile Banking, Card Manager, Credit Score Plus, CreditLock, Mobile Deposit, Bill Pay, Account Alerts, and eStatements. Additional services encompass Wealth Management through LPL Financial, Retirement Planning, Insurance (Auto, Home, Life, Business, RV, Motorcycle, Boat, Umbrella), and protection products (GAP, Loan Relief, Vehicle Protection, Overdraft Services).

Differentiator

Problem solved

Functional benefit

Products and services

• MyStyle Checking

Quantifiable outcome

• Members saved $425 million+ in interest over two years
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

15 partnerships are on record, tiered flagship, strategic, core, minor, secondary and long-standing.

• University of Utah Health Center for Medical InnovationflagshipStrategic or Co-development Partner · 1 January 2026Sponsorship of Bench to Bedside healthcare innovation program, now in its 16th year. Seven-month experiential program empowers multidisciplinary student teams to develop medical solutions. Has engaged 1,845 students across 408 teams, generating 120 companies and 233 patents.
• Utah Hispanic Chamber of CommercestrategicGTM or Marketing Partner · 1 January 2026Partnership including ribbon cutting ceremony for UHCC's new offices at Mountain America Business Center in West Jordan. Mountain America recognized as Best Workplace for Hispanic Employees of 2025 and served as title sponsor for Power of Latinas in Business conference.
• Mountain West Small Business FinancecoreStrategic or Co-development Partner · 1 January 2026Facilitated SBA 504 loan program supporting Western Timber Frame's 20,000-square-foot facility acquisition. Partnered with Mountain America Credit Union in SBA financing.
• mysherpascoreTechnology or Integration · 1 January 2026mysherpas implemented its cloud-based lending platform at Mountain America's business lending group in 42 days—12 times faster than industry standard of 18 months. Trained over 100 business lending team members.
• Laveen Towne Center DevelopmentminorGTM or Marketing Partner · 1 January 2026Vestar development project in Phoenix-area Laveen Village. Mountain America listed as a signed tenant for the 500,000-sq.-ft. retail development with groundbreaking scheduled for fall 2026.
• Show Up for TeachersflagshipStrategic or Co-development Partner · 1 January 2025Partnership with Utah First Lady Abby Cox's initiative for second consecutive year. Provides $40,000 in educator grants (40 grants of $1,000 each). Includes conference in July 2026 to recognize recipients.
• Weber State University AthleticssecondaryGTM or Marketing Partner · 1 January 2025Donated $6,000 to Ogden School Foundation as part of food security efforts at Weber State and Ogden community in November 2025.
• Davis Education FoundationsecondaryGTM or Marketing Partner · 1 January 2025Partnership providing new shoes to 91 kindergarten students at South Clearfield Elementary School as part of 'Elves and the Shoemaker' initiative supporting families facing economic hardship.
• Quinte Financial TechnologiescoreTechnology or Integration · 1 January 2025Partnership with Quinte Financial Technologies to enhance fraud prevention using CaseHub AI-powered platform featuring auto-decisioning and adaptive analytics. Quinte also partnered with OrboGraph for check fraud detection.
• Idaho State University AthleticssecondaryGTM or Marketing Partner · 1 January 2024Partnership where $50 donated for each 3-point shot by Idaho State men's basketball team. Raised $6,000 for Operation Warm to provide coats and shoes to underserved children in eastern Idaho.
• Idaho Falls Spud Kings HockeysecondaryGTM or Marketing Partner · 1 January 2024Partnership where $50 donated for each goal scored by Spud Kings. Raised $5,500 for Operation Warm to provide coats and shoes to children in need.
• Mountain America Foundation (Elevate Scholarship)coreStrategic or Co-development Partner · 1 January 2022Through the Mountain America Foundation, awarded $300,000 in Elevate Scholarships to 150 high school students from 97 high schools. Each student received $2,000 for higher education costs. Since 2022, has distributed $1.2 million in total funding.
• BYU Footballlong-standingGTM or Marketing Partner · 1 January 2018Donation tied to BYU Cougars football touchdowns during 2025 season. Donated $15,000 to American Red Cross of Utah, with total contributions of $168,000 since 2018.
• Utah Mammoth Hockey Teamlong-standingGTM or Marketing Partner · 1 January 2006Season-long partnership where Mountain America pledged $50 for every Mammoth goal scored during the season to benefit Huntsman Cancer Foundation. Partnership has generated over $550,000 for cancer research since 2006. Donated $14,300 in June 2026 following playoff run.
• Keys to SuccesscoreStrategic or Co-development Partner · 1 January 2004Partnership spanning over 20 years to support Utah students. Awarded five Utah high school students $2,000 scholarships each ($10,000 total) in June 2026, recognizing students demonstrating initiative in career exploration.

Scale indicators13 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• America First Credit Union: Federally chartered, member-owned credit union headquartered in Utah with multi-state western US branch presence and similar consumer/business banking and lending products. Closely comparable by geography, charter, scale, and member segments.
• Golden 1 Credit Union: Large California-based credit union offering consumer banking, mortgage, auto, and business lending with a similar not-for-profit cooperative model. Comparable in scale, product breadth, and digital banking emphasis.
• BECU (Boeing Employees' Credit Union): One of the largest US credit unions serving the Pacific Northwest, offering a full suite of consumer and business banking products as a member-owned cooperative. Comparable in scale ($20B+ assets), membership orientation, and digital transformation investments.
• Security Service Federal Credit Union: Large federally chartered credit union operating across multiple states with consumer banking, mortgage, and commercial lending products. Comparable in charter, multi-state branch strategy, and product mix.
• SchoolsFirst Federal Credit Union: California-based credit union serving education professionals with comprehensive consumer banking, lending, and investment products. Comparable as a large federally chartered, member-owned cooperative with strong digital and member service focus.
• Alliant Credit Union: Large national, digitally focused credit union serving members nationwide with consumer banking, lending, and investment products. Comparable in not-for-profit cooperative model and emphasis on digital member experience.
• First Tech Federal Credit Union: Large federally chartered credit union serving technology industry employees and affiliates across multiple states with full-service consumer and business banking. Comparable as a digital-forward, member-owned credit union at similar asset scale.
• Connexus Credit Union: Member-owned credit union serving multiple states with consumer banking, mortgage, and business lending products. Comparable in cooperative structure, multi-state digital-first distribution, and product breadth.

Broad incumbents

• Zions Bancorporation: Large regional bank holding company with significant branch presence across Utah, Idaho, Arizona, Nevada, and other western states. Competes directly with Mountain America for consumer and small-business banking relationships across the same geographies.
• Navy Federal Credit Union: The largest US credit union serving military members and families nationwide. Comparable as a federally chartered, member-owned cooperative with full-service consumer and business banking, though operating at meaningfully larger scale and national scope.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/mountainamericacreditunion
• LinkedInlinkedin.com/company/mountain-america-credit-union
• Instagraminstagram.com/mountainamericacu
• YouTubeyoutube.com/@MountainAmericaCreditUnion
• Xx.com/mountainamerica

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mountain America Credit Union