Mountain America Credit Union Rates —
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Mountain America Credit Union is a large, Utah-based federal credit union that anyone nationwide can join — membership is open through a free American Consumer Council (ACC) membership, alongside the usual residency, employer, and family paths. We track its certificate lineup for YourBestSavings: standard Certificates that open with $500 and Growth Certificates that open with just $5 and let you add money over the term, spanning 6 to 60 months. Every certificate is ranked by the ByTheMath score and re-checked daily. We rank by the math; no institution pays to appear or move up.
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What stands out at Mountain America
Mountain America’s certificate menu is unusually flexible. Its Growth Certificates open with just $5 and let you make additional deposits during the term — ideal for savers who want to lock a rate but keep adding — while the standard Certificates ($500 minimum) cover the same 6-to-60-month terms. The best yields cluster in the middle of the ladder (around 24 to 30 months), so the sweet spot is not always the longest term. Because it is a credit union, you must be a member to open, but nationwide membership is free through the American Consumer Council.
How we rank these accounts
Every account is scored by the ByTheMath method — APY weighted most heavily, then accessibility and flexibility — and grouped by type below, best first. Effective APY reflects the rate you would actually earn after any balance caps or conditions, which is why a capped or conditional rate does not automatically outrank a straightforward one. We may earn a commission when you open an account through our links, at no cost to you, and no commission ever changes the order; see our affiliate disclosure and methodology.
Membership, access & insurance
Mountain America is a not-for-profit credit union, so deposits are insured by the NCUA up to $250,000 per member, per ownership category — the credit-union equivalent of FDIC coverage. Membership is required to open a certificate, but it is open to anyone in the country: if you do not qualify through Utah-area residency, an employer group, or family, a free American Consumer Council (ACC) membership makes you eligible. Use the insurance calculator to check coverage across multiple accounts.
Yes. Beyond Utah-area residency, employer groups, and family, anyone nationwide can qualify by taking a free American Consumer Council (ACC) membership, then join and open certificates.
Yes. Mountain America is a federally insured credit union; deposits are protected by the NCUA up to $250,000 per member, per ownership category — the same protection level as FDIC coverage at a bank.
A Growth Certificate opens with just $5 and lets you add deposits during the term; a standard Certificate needs $500 to open and is a fixed one-time deposit. They cover the same 6-to-60-month terms — compare the live APYs above.
Daily. Each certificate shows the date its APY was last verified against Mountain America’s own rate pages. Certificate specials can change without notice, so we re-check every day.