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Lender
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Mountain America Credit Union's app

Finanso.Multilogin™

Mountain America Credit Union has a mobile app for iOS and Android devices that can be downloaded from the App Store or Google Play store. Mountain America offers a variety of mobile banking options, allowing borrowers to perform transactions, manage their accounts, and keep track of their debit and credit cards from anywhere.

Mountain America Credit Union on Google Play

Download app

How to register on an Android device?

Users can complete their MACU registration on their Android device by following the steps outlined below.

  • Install the Mountain America Credit Union app from Google Play Store;

  • Sign in to your account using the existing online banking username and password. If you don't have an account, just click on Register and choose from an individual/business account option;

  • Agree to the terms and conditions as they appear on the screen. Confirm your identity and set up a username and password;

  • Once your registration is confirmed, login with your username and password;

  • For security purposes, you may be asked to verify your identity by entering a one-time code;

  • When you see the verification message on your mobile screen, choose the email/text options and click on send code;

  • Enter the passcode on receipt and click on verify. After the authentication is complete, your account will be ready to use;

  • Face ID/touch ID features should be enabled automatically on compatible devices while using the Mountain America mobile app.

Mountain America Credit Union on App Store

Download app

How to register on an iOS device?

Users can complete their MACU registration on their iOS device by following the steps outlined below.

  • Install the Mountain America Credit Union app from the App Store;

  • Sign in to your account using the existing online banking username and password. If you don't have an account, just click on Register and choose from an individual/business account option;

  • Agree to the terms and conditions as they appear on the screen. Confirm your identity and set up a username and password;

  • Once your registration is confirmed, login with your username and password;

  • For security purposes, you may be asked to verify your identity by entering a one-time code;

  • When you see the verification message on your mobile screen, choose the email/text options and click on send code;

  • Enter the passcode on receipt and click on verify. After the authentication is complete, your account will be ready to use;

  • Face ID/touch ID features should be enabled automatically on compatible devices while using the Mountain America mobile app.

FAQ

Does Mobile America have an app?

Yes, the credit union offers a mobile app available for Android and iOS devices.

Is it safe to use the Mobile America app?

Yes. Mountain America's mobile app has multiple levels of protection to keep your personal information safe. Strong passwords, one-time PINs on unrecognized devices, courtesy calls if fraud is discovered, and biometric logins that allow you to sign in with your face or finger are examples of these defense layers.

Calculate loan payments in Mountain America Credit Union

Mountain America Credit Union calculator will allow you to calculate an approximate payment schedule for the loan

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What to focus on before applying for a loan with Mountain America Credit Union

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Mountain America Credit Union and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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