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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 pay off


Repayment of loan

With their quick payments service, you can transfer money from another banking institution to your Mountain America loans.

Supported types of payment

  • Debit/credit card. Mountain America accepts credit or debit cards to make a loan payment. A flat fee of $3.95 is levied for debit card payments, and 2.5 % of the dollar amount is charged for credit card payments. Within a 25-day cycle, the smallest payment is $10, and the maximum payment is $3,000.

  • eCheck (ACH). Use an electronic check to send money from another financial institution.

  • In branch payments. At a local branch, you can pay off a loan with any Visa debit or credit card.

Steps to repay

Quick Payment Service

  1. Log in to online banking on the MACU website or the app and click the quick payments widget.

  2. You can also continue as a guest by clicking the make a payment button on the MACU quick-payments page.

  3. You will be asked to enter your account number, the last four digits of your SSN, and your zip's first five digits. Click on Continue and proceed with the following instructions.

Transfers & Payments

  1. Log in to your online banking account.

  2. On the left hand side, click the Transfers & Payments icon.

  3. Choose the account from which you want to send funds.

  4. Choose your Visa account as the “To” account.

  5. Enter the amount of the transfer.

  6. Choose the transfer date.

  7. Decide on the frequency of the transfer.

  8. Select Submit Transfer from the drop-down menu.

Conditions of loan extension

At $25 for each extension, Mountain America can help customers defer their loan payments by skipping two payments every 12 months (available on some personal and vehicle loans). A borrower must request a skip-a-payment at least five days before the payment is due. It's simple to skip a payment. Log in to the Online Branch, select More from the left-hand menu, and select Skip-a-Pay. For the $25 charge, select the suitable loan and the preferred payment option.

Early payoff

Mountain America will not charge you a prepayment penalty if you pay off the loan early. It's recommended to call their loan department to get a clear picture of the total amount owed so there are no surprises when the account is closed.


How do you make a payment on Mountain America?

You can make a payment by debit card or an eCheck (ACH) online or through the mobile app.

What happens if you don't pay back Mountain America?

If you default, the Credit Union may demand immediate payment of any amount you owe and financing costs, which will accrue until the entire outstanding balance is paid in full.

Can you pay Mountain America early?

Yes. Mountain America allows you to make a prepayment.

Can Mountain America sue you?

In the event of underlying debts, fees, and costs in a breach of contract situation, Mountain America may pursue legal action.

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

Enter the desired loan amount

2500 $
50000 $
Loan term

Specify the loan term for the calculation


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 September 2022
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