APY Ledger

Mountain America Credit Union CD Rates — October 2026

As of October 22, 2026, Mountain America Credit Union's highest CD rate is 4.60% APY on a 24-month special CD ($5 minimum). That is 3.0 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 4.00% to 4.50% APY.

Last verified from www.macu.com · NCUA-insured credit union · Sandy, UT

Best APY4.60%24 months, $5 min
vs. Treasury−0.27%same-term Treasury 4.87%
vs. national average3.0×FDIC national average 1.55%
After inflation0.86%CPI 3.7% year over year
$10,000 earns$941over 24 months, before tax

Mountain America Credit Union CD rates

Mountain America Credit Union CD rates
TermProductMinimumAPYvs. Treasury
6 months Growth certificate $5 4.00% −0.40%
6 months Standard certificate $500 4.00% −0.40%
12 months Youth certificate Special $5 4.15% −0.42%
12 months Growth certificate $5 4.05% −0.52%
12 months Standard certificate $500 4.05% −0.52%
18 months Growth certificate $5 4.15% −0.57%
18 months Standard certificate $500 4.15% −0.57%
24 months Youth certificate Special $5 4.60% −0.27%
24 months Growth certificate $5 4.50% −0.37%
24 months Standard certificate $500 4.50% −0.37%
30 months Growth certificate $5 4.35% −0.56%
30 months Standard certificate $500 4.35% −0.56%
36 months Youth certificate Special $5 4.50% −0.45%
36 months Growth certificate $5 4.40% −0.55%
36 months Standard certificate $500 4.40% −0.55%
48 months Youth certificate Special $5 4.55% −0.43%
48 months Growth certificate $5 4.45% −0.53%
48 months Standard certificate $500 4.45% −0.53%
60 months Youth certificate Special $5 4.60% −0.41%
60 months Growth certificate $5 4.50% −0.51%
60 months Standard certificate $500 4.50% −0.51%

APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.

Best rate by term

  1. 6 mo4.00%
  2. 12 mo4.15%
  3. 18 mo4.15%
  4. 24 mo4.60%
  5. 30 mo4.35%
  6. 36 mo4.50%
  7. 48 mo4.55%
  8. 60 mo4.60%

Calculate earnings at 4.60% for 24 months

How Mountain America Credit Union compares

Rate changes

No changes since we started tracking Mountain America Credit Union on October 22, 2026.

About Mountain America Credit Union

Legal name
Mountain America Federal Credit Union
Regulator ID
NCUA 24692
Headquarters
Sandy, UT
Available in
AZ, ID, MT, NV, UT
Total assets
$22.9 billion
Also known as
Mountain America, MACU
Website
www.macu.com

Source: rates read from https://www.macu.com/rates/certificates. See the page text we read.

Frequently asked questions

What is the highest CD rate at Mountain America Credit Union?

4.60% APY on a 24-month special CD, as of October 22, 2026.

What is the minimum deposit for a Mountain America Credit Union CD?

The lowest minimum we found is $5; jumbo and higher balance tiers start at up to $500.

How does Mountain America Credit Union's best CD rate compare with Treasury yields?

4.60% APY is −0.27% versus the 24-month Treasury yield of 4.87% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.

Is 4.60% a good CD rate?

It is 3.0 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.

Are Mountain America Credit Union CDs insured?

Mountain America Credit Union is a federally insured credit union (NCUA 24692). Share certificates are insured by the NCUA up to $250,000 per member, per ownership category.

How often is this page updated?

We check Mountain America Credit Union's rate page every day. The rates above were last verified on October 22, 2026.

More CD rates

Rates are copied from Mountain America Credit Union's website and may change at any time. Confirm terms, minimums and eligibility with Mountain America Credit Union before opening an account. This page is not financial advice.