Credit union · NCUA insured
Mountain America Credit Union Credit Card Rates
Top CarrotMountain America Credit Union credit cards start at 11.74% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Mountain America Credit Union’s credit card rates compare
Compared with banks and credit unions near Salt Lake City, UT, where Mountain America Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Mountain America Credit Union
11.74%APR
- Up to
- 18.00% APR
Phoenix Mercury Card
Lowest rate
Deseret First Credit Union
8.90%APR
- Up to
- —
2nd-lowest rate
Ridgeline Credit Union
8.90%APR
- Up to
- 18.00% APR
Mountain America Credit Union credit card score
75
Credit card score
Higher than 38% of U.S. banks and credit unions
- Purchase APRPurchase APR11.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Mountain America Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Cash Back
Buy what you want and earn an automatic 1.5% cash back on every purchase. Loans on approved credit. Membership required based on eligibility. Variable annual percentage rate ranges from 16.24% to 18.00% based on card type and creditworthiness. 1% foreign transaction fee. Cash back deposited into primary savings account on a quarterly basis.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.24%–18.00% | None | Variable annual percentage rate ranges from 16.24% to 18.00% based on card type and creditworthiness. Earns automatic 1.5% cash back on every eligible purchase. |
| Intro, 6 months | 0.00% | None | Get a six-month promotional APR on balance transfers through October 31, 2026. No balance transfer fees. |
Sources (2)
All captured Oct 22, 2026
Low Rate
Membership required based on eligibility. Loans on approved credit. Variable annual percentage rate ranges from 11.74% to 18.00% based on card type and creditworthiness. 1% foreign transaction fee. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.74% | None | Variable APR as low as 11.74% based on card type and creditworthiness. Rate ranges from 11.74% to 18.00%. |
| Intro, 6 months | 0.00% | None | Get a six-month promotional APR on balance transfers through October 31, 2026. No balance transfer fees. Afterwards, variable APR ranges from 11.74% to 18.00%. |
Sources (2)
All captured Oct 22, 2026
Phoenix Mercury Card
Must have an Arizona address to qualify for the Mercury card. Membership required based on eligibility. Loans on approved credit. Available as a Low Rate, Rewards or Cash Back credit card. 1% foreign transaction fee. No annual or balance transfer fees. Variable annual percentage rate between 11.74% to 18.00% based on creditworthiness. Cash advance APR is 17.9%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.74%–18.00% | None | Variable annual percentage rate between 11.74% to 18.00% based on creditworthiness. No annual or balance transfer fees. |
| Ongoing | 17.90% | None | The annual percentage rate for cash advances is 17.9%. Balance transfers and cash advances will accrue interest from the date the transaction is processed. |
Sources (1)
- macu.com/loans/visa-credit-cards/phoenix-mercury-card · captured Oct 22, 2026
Rewards
Membership required based on eligibility. Loans on approved credit.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.74% | None | Variable APR as low as 12.74% based on creditworthiness. Rate shown is for purchases. Variable APR ranges from 11.74% to 18.00%. Earns one point for each dollar spent. |
| Intro, 6 months | 0.00% | None | Promotional 0.00% APR on balance transfers for six months from date of transfer; offer ends 10/31/26. Afterwards, variable APR ranges from 11.74% to 18.00% based on card type and creditworthiness. No annual or balance transfer fees. |
Sources (4)
All captured Oct 15, 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.