Credit union · NCUA insured
Mountain America Credit Union CD Rates
Top CarrotMountain America Credit Union’s best CD rate is 4.50% APY on a 2-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Mountain America Credit Union’s CD rates compare
Compared with banks and credit unions near Salt Lake City, UT, where Mountain America Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mountain America Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $920
Growth Certificate
Top rate
Comenity Capital Bank
4.85%APY
- Term
- 18 months
- Minimum
- $1,500
- Earns on $10,000
- $736
2nd-highest rate
Sallie Mae
4.75%APY
- Term
- 60 months
- Minimum
- $2,500
- Earns on $10,000
- $2,612
Mountain America Credit Union CD score
96
CD score
Higher than 98% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Mountain America Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Growth Certificate
Up to 4.50%APY · 8 terms
Requires $5 minimum balance to open and maintain. Funds can be added anytime up to $100,000 cumulative cap across all growth certificates per primary accountholder. Requires automated monthly deposit of at least $10. Converts to standard certificate at maturity if over aggregate limit. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsRequires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder | 4.00% | $198 |
| 12 monthsRequires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder | 4.05% | $405 |
| 18 monthsRequires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder | 4.15% | $629 |
| 24 monthsRequires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder | 4.50% | $920 |
| 30 monthsRequires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder | 4.35% | $1,123 |
| 36 monthsRequires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder | 4.40% | $1,379 |
| 48 monthsRequires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder | 4.45% | $1,902 |
| 60 monthsRequires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder | 4.50% | $2,462 |
Sources (9)
- macu.com/accounts/savings/certificate-accounts
- macu.com/rates/certificates
- macu.com/accounts/savings/cert…nts/12-month-certificate
- macu.com/accounts/savings/cert…nts/18-month-certificate
- macu.com/accounts/savings/cert…nts/24-month-certificate
- macu.com/accounts/savings/cert…nts/30-month-certificate
- macu.com/accounts/savings/cert…nts/36-month-certificate
- macu.com/accounts/savings/cert…nts/48-month-certificate
- macu.com/accounts/savings/cert…nts/60-month-certificate
All captured Oct 22, 2026
Standard Certificate
Up to 4.50%APY · 8 terms
Requires $500 to open and maintain. Withdrawals before maturity will result in early withdrawal penalty. Funds cannot be added after initial deposit. No maximum balance limit.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.05% | $405 |
| 18 months | 4.15% | $629 |
| 24 months | 4.50% | $920 |
| 30 months | 4.35% | $1,123 |
| 36 months | 4.40% | $1,379 |
| 48 months | 4.45% | $1,902 |
| 60 months | 4.50% | $2,462 |
Sources (10)
- macu.com/accounts/savings/certificate-accounts
- macu.com/rates/certificates
- macu.com/accounts/savings/cert…unts/6-month-certificate
- macu.com/accounts/savings/cert…nts/12-month-certificate
- macu.com/accounts/savings/cert…nts/18-month-certificate
- macu.com/accounts/savings/cert…nts/24-month-certificate
- macu.com/accounts/savings/cert…nts/30-month-certificate
- macu.com/accounts/savings/cert…nts/36-month-certificate
- macu.com/accounts/savings/cert…nts/48-month-certificate
- macu.com/accounts/savings/cert…nts/60-month-certificate
All captured Oct 22, 2026
Bump Certificate
Up to 4.24%APY · 8 terms
Requires $500 to open. Includes a one-time rate bump option during certificate term if prevailing rate increases. Rate increase must be initiated by member; applies only to remainder of term and is not retroactive. Funds cannot be added after initial deposit. Early withdrawal penalty applies. Automatically renews as bump certificate for same term if auto-renew selected.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsIncludes one-time rate bump option during certificate term | 3.74% | $185 |
| 12 monthsIncludes one-time rate bump option during certificate term | 3.79% | $379 |
| 18 monthsIncludes one-time rate bump option during certificate term | 3.89% | $589 |
| 24 monthsIncludes one-time rate bump option during certificate term | 4.24% | $866 |
| 30 monthsIncludes one-time rate bump option during certificate term | 4.09% | $1,054 |
| 36 monthsIncludes one-time rate bump option during certificate term | 4.14% | $1,294 |
| 48 monthsIncludes one-time rate bump option during certificate term | 4.19% | $1,784 |
| 60 monthsIncludes one-time rate bump option during certificate term | 4.24% | $2,308 |
Sources (1)
- macu.com/accounts/savings/certificate-accounts · captured Oct 22, 2026
Special-purpose accounts
Youth Certificate
Up to 4.60%APY · 5 terms
Available for anyone 27 and younger. Requires $5 to open. Minimum balance required to earn APY is $5. Deposits allowed anytime up to $10,000 per year from open date. Limited to $100,000 cumulative across youth certificates per member. Automatically renews at term equal to or less than original term; on 28th birthday automatically renews as standard certificate. 10-day grace period at maturity to close with no penalty. Early withdrawal penalties may apply. No monthly service fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.15% | $415 |
| 24 months | 4.60% | $941 |
| 36 months | 4.50% | $1,412 |
| 48 months | 4.55% | $1,948 |
| 60 months | 4.60% | $2,522 |
Sources (2)
All captured Oct 22, 2026
IRA Certificate
Up to 4.50%APY · 8 terms
Available for Traditional and Roth IRAs. Requires $500 minimum balance to open and maintain. Withdrawals before maturity subject to early withdrawal penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 4.00% | $198 |
| 12 months | 4.05% | $405 |
| 18 months | 4.15% | $629 |
| 24 months | 4.50% | $920 |
| 30 months | 4.35% | $1,123 |
| 36 months | 4.40% | $1,379 |
| 48 months | 4.45% | $1,902 |
| 60 months | 4.50% | $2,462 |
Sources (10)
- macu.com/accounts/savings/certificate-accounts
- macu.com/accounts/savings/cert…nts/12-month-certificate
- macu.com/accounts/savings/cert…unts/6-month-certificate
- macu.com/rates/certificates
- macu.com/accounts/savings/cert…nts/18-month-certificate
- macu.com/accounts/savings/cert…nts/24-month-certificate
- macu.com/accounts/savings/cert…nts/30-month-certificate
- macu.com/accounts/savings/cert…nts/36-month-certificate
- macu.com/accounts/savings/cert…nts/48-month-certificate
- macu.com/accounts/savings/cert…nts/60-month-certificate
All captured Oct 22, 2026
Christmas Club Certificate
4.05%APY
Requires $5 minimum balance. Term ends in November, regardless of when account was opened. Early withdrawal penalty applies.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upTerm ends in November regardless of when account was opened.$5 and up | 4.05% | $405 | Term ends in November regardless of when account was opened. |
Sources (2)
All captured Oct 22, 2026
Who can join Mountain America Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.