Guiding you forward
About Mountain America Credit Union
It may be our story, but it’s all about you.
Mountain America first opened its doors in the 1930s with a commitment to guiding our members to define and achieve their financial dreams.
Today, our essence—guidance—remains the focal point of our identity. It’s a purpose-driven identity to ensure that everything we do moves you safely along your journey.
From wherever you are to where you see yourself going, there is a clear way forward. It's life's financial journey, and we're here to guide you every step of the way.
This is your journey.Let's begin together, right here.
Mountain America by the numbers
states
Founded
Branches
largest credit union in the United States¹
members
Total assets
Charter Type
SBA lending credit union in United States for the last 20 years²
Deposits insured per member by the National Credit Union Administration (NCUA)
Member-owned
financial cooperative
Company type
credit union in the United States for business deposits³
Regulatory agencies
Stay informed
Quarterly newsletter
Don't miss a timely message from our President/CEO, relevant financial tips, and important announcements and promotions.
Annual report
Get an overview of our growth during the last year and see how we've prioritized improving the lives of our members.
Branches and ATM network
Our extensive network of branches and ATMs spans much of the Intermountain West, including Arizona, Idaho, Montana, Nevada, New Mexico and Utah. We operate more than 100 branches and offer financial services through online and mobile banking, automated phone banking and a toll-free service center.
We also belong to an extensive ATM network, which allows members to complete surcharge-free transactions at more than 50,000 ATMs nationwide. This network includes the CO-OP Network, the largest no-fee ATM network in the western U.S.
Corporate headquarters
9800 South Monroe StreetSandy, Utah 84070
801-325-6228
Service center: 1-800-748-4302
Our values
Mission
We provide exceptional member experiences by hiring and developing the best people who make it easy to do business, deliver quality service and technology, and provide valuable financial guidance.Vision
We help our members define and achieve their financial dreams.Motto
We place members first.Making a difference
Scholarships and grants
To strengthen our communities, we offer higher education scholarships, as well as grants for teachers and school leaders.
Sponsorships
We support local teams, events and organizations in the communities we serve.
Mountain America Foundation
Our goal is to promote the health, education and overall well-being of youth and families in our communities.
Financial education
We are committed to providing meaningful resources, workshops and educational tools to bolster financial literacy throughout our communities.
The credit union difference
At first glance, there may not seem to be much difference between credit unions and banks. They both offer similar products and services. However, there are some critical factors that set the two apart.
Credit unions are member-owned, not-for-profit financial cooperatives dedicated to improving members' lives. In fact, they are the only democratically-controlled financial institutions in the United States. You and other members elect a volunteer board of directors to oversee the credit union. The president/CEO reports to this board. Bank directors, however, are paid and are legally bound to make decisions that benefit stockholders. Banks make money for stockholders, not for customers.
One way credit unions give back to members is by offering lower rates on loans and higher dividends on savings. Overall, interest rates on credit cards and auto loans average one-half to one percentage point lower than bank rates. Money market, savings and rewards checking accounts also provide higher earnings—giving back more to members.
| Credit Unions | Banks |
|---|---|
| Owned by members | Owned by stockholders |
| Not-for-profit | For profit |
Leadership team
Sterling Nielsen
President/CEO
Chad Curtis
EVP/Chief Financial Officer
Nathan Anderson
EVP/Chief Operating Officer
Cathy Smoyer
EVP/Chief Risk Officer
2. Callahan and Associates, 2024
3. NCUA data, Q2 2024
