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Rating by Finanso®

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 account


How to register an account

An applicant can register for online access as an individual or a business. By creating a personal account on the site, members can access and manage their Mountain America Credit Union accounts anywhere.

Click the Register tab on the company's official website. You must accept the disclosure as it appears on the screen, check the checkbox, and then to proceed with the registration process, click Continue. Mountain America will ask you to verify your account number by entering your account number and your SSN or tax ID number. The following steps include choosing a username and password, providing security details, and confirming your email and phone number. Your account will be created once you click Continue.

How to reset a password

Visit the MACU website login section. Click the Forgot ID/Password option. Before clicking the Continue button, you'll be routed to a new window where you'll need to provide your username and SSN/Tax ID. Follow the on-screen instructions.

How to delete an account

If an individual wants to delete their account, they will have to fill out the email form on the MACU website on the contact page with a valid reason and directly connect with the support team.


How does Mountain America work?

Mountain America Credit Union is a financial service organization that offers a wide range of personal and business loans, banking services, and financial products and services. From its assortment of loans on offer, MACU primarily provides personal and signature loans. One can also explore other loans like auto loans and home mortgages. Some of its loans allow customers to extend up to two payments a year, providing borrowers with flexible loan options.

How do I contact Mountain America?

Mountain America Loan Services can be reached at 844-852-2405 or 1-800-748-4302 for their service center. Users can also reach out to them by email by filling out the form on their email page. Users can also write to them at Mountain America Credit Union, Loan Servicing, P.O.Box 2331, Sandy, UT 84091, or or make an appointment at a branch nearby.

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

Loan amount

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Loan term

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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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All Mountain America Credit Union’s reviews by October 2022
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