Mountain America Credit Union

Mountain America Credit Union

Guidance-focused financial services and accounts

Overview

Mountain America Credit Union is a member-owned financial cooperative offering checking and savings accounts, loans, mortgages, credit cards, and digital banking. Deposits fund member loans, and members access services via branches, online and mobile apps, with guidance from financial coaches. It stands out through its cooperative, not-for-profit structure and priority on member guidance, flexible products tailored to everyday life, and local community presence. Its goal is to help members achieve their financial dreams safely and confidently by providing tools, advice, and services along their financial journey.

About Mountain America Credit Union

Simplify's Rating
Why Mountain America Credit Union is rated
B-
Rated B on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Consumer Software

Financial Services

Company Size

1,001-5,000

Company Stage

N/A

Total Funding

N/A

Headquarters

West Jordan, Utah

Founded

1934

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Simplify's Take

What believers are saying

  • August 14-15, 2026 branch openings signal continued Utah market-share gains and visibility.
  • June 16, 2026 scholarships and community programs strengthen recruiting, retention, and brand loyalty.
  • May 22, 2026 Arizona SBA hires accelerate business lending revenue across Phoenix immediately.

What critics are saying

  • LPL referrals create conflicted incentives; member trust erodes if sales pressure surfaces in 2026.
  • SBA lending concentration exposes MACU to commercial defaults when 2027 refinancing and delinquencies rise.
  • Branch-heavy expansion from August 2026 raises operating costs if deposit growth stalls.

What makes Mountain America Credit Union unique

  • 2026 branch designs localize physical banking, from Sandy murals to Rose Park storytelling.
  • Mountain America leads U.S. credit unions in SBA lending, ranking first for 22 straight years.
  • Over 1 million members and 100-plus branches give MACU scale without bank branding.

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Benefits

Health Insurance

Dental Insurance

Paid Vacation

Paid Sick Leave

Paid Holidays

Hybrid Work Options

401(k) Company Match

401(k) Retirement Plan

Tuition Reimbursement

Professional Development Budget

Company News

Associated Press
Aug 10th, 2026
Mountain America Credit Union opens community-inspired branches in Sandy and Rose Park

Mountain America Credit Union is opening two new branches in Utah with designs inspired by their local communities. The Sandy Highland Drive location features mountain-inspired artwork and natural materials reflecting the nearby Wasatch Mountains. It opens 14th August. The expanded Salt Lake 700 North branch in Rose Park is the credit union's largest, featuring 17 private offices and a custom mural depicting local landmarks including the Jordan River and Utah State Fairpark. The artwork celebrates the neighbourhood's diversity and history. It opens 15th August. Both branches will offer banking services including savings accounts, loans, insurance, and investment services. Mountain America Credit Union serves over 1 million members and manages $22 billion in assets.

Mountain America Credit Union
Aug 5th, 2026
Mountain America Credit Union opens community-inspired branches in Sandy and Rose Park.

Mountain America Credit Union opens community-inspired branches in Sandy and Rose Park. Grand opening celebrations showcase a mountain-inspired financial center in Sandy and expanded Rose Park branch honoring the neighborhood's culture Mountain America Credit Union is celebrating the grand openings of a new Sandy branch and the newly expanded Rose Park branch, designed to reflect the communities they serve while enhancing the member experience. The newest branch, Sandy: Highland Drive, located at 9446 S. Highland Dr., Sandy, Utah 84092, will host its grand opening on Friday, August 14, from 2 to 4 p.m. The festivities continue in Rose Park at the Salt Lake: 700 North branch, located at 1715 W. 700 N., Salt Lake City, Utah 84116, on Saturday, August 15, from 10 a.m. to noon. The public is invited to attend both celebrations and enjoy complimentary food from World's Best Corndogs and Swig, along with family-friendly activities including face painting, balloon art, cotton candy and a photo booth. "As our communities continue to grow, we want our branches to evolve alongside them," said Sterling Nielsen, president and CEO of Mountain America Credit Union. "These spaces were thoughtfully designed to create welcoming environments where members can receive personalized and free financial guidance while feeling connected to the communities they call home." Located in southeast Salt Lake Valley, the Sandy: Highland Drive branch showcases expansive windows, natural materials and mountain-inspired artwork to create an open, inviting environment that reflects the beauty of the surrounding landscape and nearby Wasatch Mountains. Interior finishes and design elements were carefully selected to celebrate the character of the Sandy community while creating comfortable spaces for members to meet with financial professionals and explore their goals. The Salt Lake: 700 North branch tells a unique story rooted in the history, culture and diversity of one of Salt Lake City's most vibrant neighborhoods, Rose Park. As the largest branch in Mountain America's portfolio, the location features 17 private offices, a six-station teller line and a custom mural, Celebration of Roses, created by Utah artist Josh Scheuerman. The mural honors the community through depictions of local landmarks, including the Jordan River, Utah State Fairpark, Rose Park baseball fields, the Salt Lake City skyline and the Wasatch Mountains. Colorful roses woven throughout the artwork symbolize the neighborhood's diversity and pay tribute to its history, reflecting an early development plan that arranged streets in the shape of roses. At both locations, services include everyday banking such as savings and checking accounts, auto and personal loans[1], insurance[2] and investment services[3], and mortgage and business lending solutions. * Membership required - based on eligibility. Loans on approved credit. * IInsurance products are not deposits, not an obligation of and not guaranteed by Mountain America Credit Union. Insurance products are not protected by the NCUA, may be subject to risk and, in the case of life insurance, may go down in value. Any insurance required as a condition of an extension of credit need not be purchased from the credit union and may be purchased from an agent or insurance company of the member's choice. Insurance products are not exclusive to Mountain America Credit Union members. Business conducted with Mountain America Insurance Services, LLC is separate and distinct from any business conducted with the credit union. Mountain America Insurance Services, LLC is a subsidiary of Mountain America Credit Union. * Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Mountain America Credit Union and Mountain America Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Mountain America Investment Services, and may also be employees of Mountain America Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Mountain America Credit Union or Mountain America Investment Services. Securities and insurance offered through LPL or its affiliates are: | Not Insured by NCUA or Any Other Government Agency | Not Credit Union Guaranteed | | Not Credit Union Deposits or Obligations | May Lose Value | This site is designed for U.S. residents only. The services offered within this site are available exclusively through its U.S. Investment Representatives. LPL Financial U.S. Investment Representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state. Mountain America Credit Union ("Mountain America") provides referrals to financial professionals of LPL Financial LLC ("LPL") pursuant to an agreement that allows LPL to pay Mountain America for these referrals. This creates an incentive for Mountain America to make these referrals, resulting in a conflict of interest. Mountain America is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html. LPL Financial Form CRS.

Mountain America Credit Union
Jul 27th, 2026
Mountain America launches business Speaker Series with bestselling author Dr. Velma Trayham.

Mountain America launches business Speaker Series with bestselling author Dr. Velma Trayham. New series brings recognized voices to help Utah business leaders and professionals navigate a rapidly changing business environment Mountain America Credit Union is launching the Mountain America Business Center Speaker Series, a new program designed to bring recognized thought leaders to Utah's business community. The inaugural event will feature No. 1 Amazon bestselling author, entrepreneur and speaker Dr. Velma Trayham on July 29 at the Mountain America Business Center in West Jordan. The event will include a fireside chat with Mountain America Chief Public Affairs Officer Sharlene Wells, live Q&A and a book signing centered on Dr. Trayham's popular title, "Unfireable in the Age of AI." The Mountain America Business Center Speaker Series reflects Mountain America's ongoing commitment to Utah's business community, creating opportunities for business owners, entrepreneurs and professionals to connect with influential voices and gain insights on leadership, innovation and long-term success. Future speakers will be announced in coming weeks. "The Mountain America Business Center Speaker Series supports Utah's business community with access to thought leaders and timely conversations that help business owners, entrepreneurs and professionals thrive in a rapidly changing world," said Sharlene Wells, chief public affairs officer at Mountain America Credit Union. "We are honored to have Dr. Velma Trayham as our inaugural speaker to launch the series, and we're excited to bring one of the nation's leading voices on entrepreneurship, resilience and the future of work to Utah." President and CEO of the Black Chamber of Arizona, Dr. Trayham is a widely recognized entrepreneur, author and advocate for workforce resilience. She is a respected voice on artificial intelligence, entrepreneurship and workforce development. A No. 1 Amazon bestselling author, Presidential Lifetime Achievement Award recipient and 2025 Most Influential Woman honoree, she has delivered programs for Harvard University, Amazon, Arizona State University, JPMorgan Chase and the City of Phoenix. Her appearance comes at a time when businesses and professionals across the country are adapting to rapid technological change. Through her book and speaking engagements, Dr. Trayham encourages individuals to develop skills, purpose and adaptability that remain valuable regardless of economic or technological shifts. "The workplace is changing faster than ever, which creates uncertainty for many people," said Dr. Trayham. "What I've found is that resilience begins when people understand their value extends beyond a job title. Purpose helps people navigate change with confidence, contribute more meaningfully and continue growing no matter what challenges come their way." The July 29 event will begin with networking and refreshments from 4 to 4:30 p.m., followed by a fireside chat and live Q&A from 4:30 to 5 p.m. A book signing will take place from 5 to 5:30 p.m., with additional networking opportunities available through 6 p.m. Seating is limited and advance registration is required. Those interested in attending are encouraged to email [email protected].

GlobeNewswire
Jun 8th, 2026
Mountain America Credit Union and Keys to Success award $10,000 in scholarships to Utah students.

Mountain America Credit Union and Keys to Success award $10,000 in scholarships to Utah students. Five students recognized for academic achievement and future readiness through statewide education program. SANDY, Utah, June 08, 2026 (GLOBE NEWSWIRE) - Mountain America Credit Union, in partnership with Keys to Success, awarded five Utah high school students $2,000 scholarships to support their education. The scholarships recognize students who are actively exploring career paths and pursuing education opportunities, demonstrating the kind of initiative the program is designed to encourage. "Through our partnership with Keys to Success, we're able to recognize students who are putting in the effort to plan for their future," said Nathan Anderson, chief operating officer at Mountain America Credit Union. "These scholarships help support their next steps and reinforce the importance of setting goals and staying committed to their education." On June 4, 2026, Brittani Forbush, vice president of corporate and strategic partnerships at Mountain America, presented the scholarships on KUTV alongside Katharine B. Garff, board chair of Ken Garff Enterprises, over Ken Garff for Good, which administers the statewide Keys to Success program. This year's scholarship recipients are: * Claudia Lemus, Cyprus High School * Ken Vo, Hunter High School * Jace Owen, Millard High School * Addison Potter, Union High School * Jane Jasper, Jordan High School For more than 20 years, Mountain America has partnered with Keys to Success, supporting its mission to help Utah students succeed. That commitment reflects the credit union's broader belief that investing in young people strengthens communities over the long term. Keys to Success helps students build goal-setting habits and encourages them to take ownership of their future. The program also provides recognition along the way, giving students a sense of accomplishment. About Mountain America Credit Union With more than 1 million members and $22 billion in assets, Mountain America Credit Union helps its members define and achieve their financial dreams. Mountain America provides consumers and businesses with a variety of convenient, flexible products and services, as well as sound, timely advice. Members enjoy access to secure, cutting-edge mobile banking technology, over 100 branches across multiple states and more than 50,000 surcharge-free ATMs. Mountain America - guiding you forward. Learn more at macu.com.

GlobeNewswire
May 22nd, 2026
Mountain America Credit Union expands Arizona commercial lending presence with four SBA specialists.

Mountain America Credit Union expands Arizona commercial lending presence with four SBA specialists. Strengthens credit union's commercial banking team with seasoned SBA lending experts, expanding business financing access, accelerating loan delivery and deepening personalized support for local entrepreneurs. SANDY, Utah, May 22, 2026 (GLOBE NEWSWIRE) - Mountain America Credit Union today announced the addition of four experienced Small Business Administration (SBA) lending professionals to its Arizona commercial banking team, reinforcing its commitment to deliver small business financing and enhanced support to business members across the Phoenix metropolitan area. Mountain America welcomes James Carroll, Nile Evans, Nicole Hawkland and Kyrstin Noriega to the team. They bring deep expertise in commercial lending, SBA underwriting and the full loan lifecycle - from origination through servicing. Their addition strengthens Mountain America's ability to meet the evolving needs of small business owners across Arizona. "These new team members significantly elevate our ability to serve Arizona's business community," said Michael Griffiths, senior vice president of business banking at Mountain America Credit Union. "Each brings a strong track record in commercial lending and SBA programs, along with a deep understanding of underwriting and the loan process. Their expertise allows us to provide faster, more strategic financing solutions while maintaining the personalized service our members expect." James Carroll adds significant depth to the team with his experience in senior commercial banking roles across multiple financial institutions. He has managed diverse business portfolios and originated loans ranging from $100,000 to $35 million. Carroll's expertise in credit analysis, underwriting, portfolio management and relationship development enables him to serve as a trusted advisor, helping members navigate complex financial decisions with confidence. Nile Evans brings six years of SBA lending experience from his work with regional and community banks. With a background in both business development and lending, Evans provides strategic guidance and customized financing solutions to small business owners throughout the region. Nicole Hawkland offers extensive SBA expertise gained through her work with a nonbank lender. She holds multiple SBA certifications, including credit underwriting, loan processing and closing, servicing, and business development. Her comprehensive understanding of the SBA loan lifecycle allows her to guide business owners with clarity and confidence at every stage of the process. Kyrstin Noriega brings more than 17 years of experience in the financial industry, with a strong focus on commercial real estate lending. Known for her member-focused approach, Noriega is dedicated to delivering an exceptional lending experience. Her ability to build lasting relationships and understand each member's unique needs enables her to develop tailored financing solutions that support long-term business success. Together, this team enhances Mountain America's capabilities in SBA lending, strengthening its underwriting precision, streamlining the loan process and expanding access to capital for small businesses across Arizona. Mountain America continues to invest in experienced talent and robust commercial lending solutions to support the growth and success of business members throughout the communities it serves. About Mountain America Credit Union With more than 1 million members and $22 billion in assets, Mountain America Credit Union helps its members define and achieve their financial dreams. Mountain America provides consumers and businesses with a variety of convenient, flexible products and services, as well as sound, timely advice. Members enjoy access to secure, cutting-edge mobile banking technology, over 100 branches across multiple states and more than 50,000 surcharge-free ATMs. Mountain America - guiding you forward. Learn more at macu.com.

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