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Mountain America Credit Union

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19 User Reviews


Overall Score

Mountain America Credit Union (MACU) is a comprehensive financial services provider, providing traditional banking services as well as three Visa credit card options with a variety of benefits to MACU members. Whether you are looking for low rates and/or great rewards, as a credit union member, there may be a perfect MACU credit card for you.

Continue reading for pros and cons, and Mountain American Credit Union credit card reviews from real customers.


The Good

  • Low Rates
  • No Annual Fees
  • Rewards Visa Card Available
  • Verified by Visa Protection

Low Rates

One of the biggest benefits in holding a Visa by Mountain America Credit Union is that the initial APR is much lower than those for many of its competitors. 

  • Visa Low Rate Card: Variable rate as low as 7.99%
  • Visa Rewards Card: Variable rate as low as 8.99%
  • Visa Cash Back Card: Variable rate as low as 12.49%

To qualify for Mountain America's lowest rates, you should have an excellent credit score.

No Annual Fees

All three of Mountain America's Visa credit cards have no annual fee. An annual fee is often indicative of generous rewards, and so if you are looking specifically for a rewards credit card, you may want to look into other credit card issuer options. But, if you are looking for a credit card to use on everyday purchases, a MACU credit card may be a good option for you.

Rewards Visa Card Available

One of the most popular perks of a credit card is the ability to earn points, etc. that are redeemable for rewards, cash back, merchandise, etc. Mountain America Credit Union offers its customers an option for a rewards card with its Mountain American Visa Rewards card. Those using this card earn points based on their purchases - one point for every dollar spent.

Points can be redeemed for a variety of rewards, such as gift cards from popular merchants, restaurants, etc., travel (hotel accommodations, car rentals, cruises, airfare, and vacation packages without blackout dates), tickets to cultural or sporting events, experiences, or even for cash back.

Verified by Visa Protection

All cards issued by Mountain America Credit Union are automatically protected with Verified by Visa, giving cardholders an additional layer of protection for online purchases. When making a purchase from participating online stores, customers are prompted to enter their password before the purchase is completed.


The Bad

  • Additional Fees
  • No Free Credit Monitoring
  • Limited Membership Eligibility

Additional Fees

Although Mountain America Credit Union does not have an annual fee or balance transfer fee on any of its credit cards, there are some other fees to be aware of. There is a late fee up to $25 if you miss your monthly payment, and a foreign transaction fee of 1% of the transaction amount. These fees are standard in the industry.

No Free Credit Monitoring

Many of the larger credit card providers offer their cardholders some form of limited credit report monitoring as part of their package. Most of the cards offered by credit unions do not include this benefit. While the lack of such a program is not usually enough to dissuade potential cardholders from applying for a credit card from Mountain America Credit Union, it is a nice added benefit to help cardholders track their financial health, especially if they are trying to build credit through the use of a credit card.

Limited Membership Eligibility

There are several limitations to membership eligibility for Mountain America Credit Union to consider for those interested in becoming a member of the credit union. Eligible parties must either be an employee or volunteer of a Select Employee Group, or SEG, or one of its affiliated organizations or live at the same address as an existing member of Mountain America Credit Union.

Additionally, prospective members may be eligible to join the credit union if they are residents of Salt Lake, Duchesne, and parts of Wasatch or Uintah Counties in Utah. Those living in Wasatch or Uintah counties must live within certain census districts, 940300 for Wasatch and 940100 or 940200 in Uintah County. Verifying eligibility based on one's census district can be completed online or at any Mountain America Credit Union branch location. This residence restriction excludes a significant number of individuals in the state of Utah from being members of the credit union.


The Bottom Line

Mountain America Credit Union offers its customers a history of stability, with nearly three-quarters of a decade of reliable service. The credit union offers its members three credit card options, allowing members to choose the best credit card for their needs.

Compared to other credit unions, Mountain America Credit Union offers competitive rates as lows as 7.99 percent. Although the rate you will get is dependent upon your credit score and credit worthiness, you can rest assured that you will be getting a competitively low rate in the industry.

Mountain America Credit union credit card reviews are currently limited, but of those reviews, the majority of customers give MACU four or five stars, highlighting great customer service and great rates that save them money.

If you have a MACU credit card please tell us about your experience by leaving a review.

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19 Reviews

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Eddie Rios Ogden, UT

Quite easily my favorite card, favorite account, with my favorite credit union. It offers the fastest service, efficient tellers, easy financial transactions. My Mountain America Credit Union Charge cards are simply my go to cards. With a load of useful features and services, they can't be beat.

1 year ago

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Erin Jones Springville, UT

Super nice to work with. The tellers listen very carefully and genuinely seem to understand your concerns. Great place to bank with. I transferred all my banking over to them with my husband and haven't regretted it once.

3 years ago

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Lindsey American Fork, UT

My husband and I just barely got a credit card from MACU, but already we enjoy the rewards we get from purchases. Overall, MACU is one of our favorite credit unions for loans, banking, and credit cards.

3 years ago

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Hayley Lambdin Orem, UT

Overall, I really like Mountain America's credit card. I really like that I am able to customize the look of my credit card and get amazon shopping credit. Yea, that Amazon credit is real nice!

3 years ago

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Roberson Salt Lake City, UT

I have banked with Mountain America Credit Union for the entirety of my life and they have treated me incredibly well. They have suburb customer service that are always quick to solve issues, additionally they are very easy to work with when applying for credit cards and loans.

1 year ago

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Rischelle Mikkelson American Fork, UT

Mountain America Credit Union is easily our favorite financial institution. All their staff is friendly and helpful. They have great rates on credit cards. They have great kids programs that help teach them the use of credit cards.

1 year ago

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Kylee Carpenter Tooele, UT

They have always been reliable and useful. If I have an issue they work with me to find a solution. They try every option to make sure I am satisfied. I will always use their Credit Cards!

3 years ago

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Myken Salt Lake City, UT

We have a Mountain American Credit Card and use it for daily purchases. We find it's accepted everywhere, customer service has been quick and helpful when I've had questions about interest rates and due dates and it seems competitive with the other cards we own and use.

1 year ago

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Stephanie Love Herriman, UT

I love mountain America’s credit cards. I have their rewards visa credit card and I have saved so much money by using this card. I use it daily and it really pay off by getting the rewards. I will continue using this card.

1 year ago

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Rushie Gregory Pleasant Grove, UT

I use the American Fork branch for MACU and I've loved the customer service. Breanna was especially awesome when I set up my account. I would recommend their services for debit or credit cards.

1 year ago

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ave Pleasant Grove, UT

We have a credit card through MACU and hardly ever use it except for emergencies. It is a reliable and dependable company to use. They offer low interest rates and have given grace periods when we have needed them.

1 year ago

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Isaac Lindon, UT

I have a, My Express debit and it's great but I have it entered as the credit card on my phone and at some establishments the card will get declined when I use it just tapping my phone. I love the app it's a very good interface and so useful for looking back and finding out how much money you've spent.

2 years ago

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Tony Riverton, UT

Got a car loan with Mountain America and therefore tried their other services. Their card is easy to use and widely accepted. The online portal is decent for tracking expenses and customer service is top notch.

1 year ago

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Bryndie Managua, MN

They have some really great credit card options, especially for people just starting out with a credit card. Their staff is awesome and so nice and helpful.

1 year ago

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JamieD Saratoga Springs, UT

I’ve used Mountain American for about 20 years for just about everything. Great customer service and I've loved working with them

1 year ago

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Keepin Itreal Saint George, UT

Horrible service. Misapplied my payment and i had to go in 3 times for them to correct. Staff has no follow through, no ownership of the credit unions mustakes, and no competence

3 years ago

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Seth Managua, MN

I don’t have any major problems but they don’t have the best online services. Since I travel quite a bit it makes it a little difficult.

1 year ago

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Alyssa Boren American Fork, UT

The employees are kind with answering my questions and helping me with everything that I need. They are trustworthy.

1 year ago

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Jon Posey Riverton, UT

I like MACU. I think they are fair, offer good products, and excellent customer service.

1 year ago

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