12accounts we track

  • Savings3
  • Money market2
  • Checking3
  • CDs4

Credit union in Sandy, UT

Mountain America

NCUA-insured · charter 24692

Savings, money market, checking and CDs, with every rate from Mountain America’s own pages and every rank against the accounts we track.

Checked Nov 8, 2026Updated

Best savings rate
3.85%APY · Mountain America IRA Money Market
Best CD rate
5.00%APY for 5 years

Every account we track

Accounts and rates

Savings and money market

A year on $10,000, after fees
Mountain America IRA Money MarketMoney market account · no minimum to open3.85%−$10Not stated
Mountain America Money MarketMoney market account · no minimum to open3.85%−$10Not stated
Mountain America Primary SavingsSavings account · $1 to open0.05%$5Not stated
Mountain America Secondary SavingsSavings account · no minimum to open0.05%$5Not stated
Mountain America Youth and Teen SavingsSavings account · $1 to open0.05%$5Not stated

Checking

Against 1043 checking accounts
Mountain America MyFree CheckingChecking accountNot stated#82None
Mountain America MyExpress AccountChecking accountNot stated#132None
Mountain America MyStyle CheckingChecking account · no minimum to openNot stated#791$7 a month

Standard/IRA Certificates, by term

$500 to open
6 months4.00%#32 of 143
1 year4.05%#55 of 176
18 months4.15%#31 of 107
2 years4.50%#20 of 134
30 months4.35%—
3 years4.40%#16 of 98
4 years4.45%—
5 years · Mountain America’s best5.00%#3 of 98

A dash: a term we don’t rank. Also at Mountain America: Bump/IRA Bump Certificates, up to 4.75%; Growth Certificates, up to 4.50%; Youth Certificates, up to 4.60%. All Mountain America CDs

Against the market

How Mountain America ranks

Where each ranked account sits on our list for its kind. Further right is higher on the list.

  • Standard/IRA Certificates · 5 yearsCD#3 of 98
  • Mountain America MyFree CheckingChecking account#82 of 1043
  • Bump/IRA Bump Certificates · 5 yearsCD#11 of 98
  • Mountain America MyExpress AccountChecking account#132 of 1043
  • Growth Certificates · 2 yearsCD#18 of 134
  • Growth Certificates · 3 yearsCD#14 of 98
  • Standard/IRA Certificates · 2 yearsCD#20 of 134
  • Standard/IRA Certificates · 3 yearsCD#16 of 98

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.