Estate planning at Mountain America
How to protect 17 Mountain America accounts — manage beneficiaries in-branch, fund a trust in-branch, and file claims through Mountain America's Member Services
Member Services
Phone1-800-748-4302
Toll-Free1-800-748-4302
Mailing Address
P.O. Box 2331, Sandy, UT 84091
Member Services
Phone1-800-748-4302
Mailing Address
Mountain America Credit Union, P.O. Box 2331, Sandy, UT 84091
Verified Mar 2026
Mountain America is a credit union offering 17 accounts that interact with estate planning in different ways. As a membership-based credit union, Mountain America operates over 100 branches across Utah, Arizona, Idaho, Nevada, New Mexico, and Montana. Membership eligibility varies by location, employer group, or affiliated association. Primary membership base is in select Utah counties. Understanding how each account transfers at death—and which ones a trust can hold—helps families avoid probate delays and unintended outcomes.
Beneficiary designations at Mountain America can be managed in branch, by mail, and by phone, typically taking 15-30 minutes in branch; 1-2 weeks by mail. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Mountain America provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 17 account types at Mountain America.
View details →When someone dies
Death claim process
Contact Mountain America's Member Services to file a claim. 9-step process, 6 required documents, and contact information for survivors.
View details →For questions about any of these procedures, contact Mountain America's Member Services at 1-800-748-4302.
Mountain America operates in select states, so estate planning procedures may vary by location. Confirm availability in your state before initiating trust funding or account changes.
Frequently asked questions
IRA beneficiaries are designated on a separate IRA beneficiary form. Visit a branch or call 800-748-4302 to request the form. You can name individuals, trusts, or other entities as primary and contingent beneficiaries. Changes to IRA beneficiaries must be submitted in writing.
Yes. Trusts can be named as POD beneficiaries on deposit accounts and as beneficiaries on IRA accounts. When designating a trust, provide the trust name, date established, and EIN. POD beneficiaries cannot be named for corporate or business accounts where the trust relationship is not established solely by the account terms. For IRA accounts, consult a tax advisor before naming a trust as beneficiary due to potential tax implications.
Visit a Mountain America branch with your trust agreement or Certificate of Trust, government-issued ID for all trustees, and the trust EIN. You will complete a trust account membership application. Shares may be issued in either a revocable or irrevocable trust per MACU bylaws. Trust accounts with an EIN are not eligible for MyStyle Checking.
Mountain America partners with Trust & Will, a leading online estate planning platform, offering members a 10% discount on Guardian, Will, or Trust-based estate plans. The discount is automatically applied at checkout with no promo code required. Mountain America Investment Services also provides wealth management through LPL Financial, including estate planning guidance, retirement planning, and tax strategies.
Mountain America offers Traditional and Roth IRA certificates (6-60 month terms, $500 minimum), IRA money market accounts, and investment services through Mountain America Investment Services via LPL Financial. LPL Financial provides wealth management, guided wealth portfolios, retirement planning, 401(k) options, and Medicare planning. LPL does not offer proprietary investment products. Securities and advisory services are provided through LPL Financial, a registered investment advisor and broker-dealer (member FINRA/SIPC).
Mountain America offers standard certificates ($500 minimum, 6-60 month terms with a rate bump option), growth certificates ($5 minimum, add funds anytime up to $100,000 cumulative cap, requires $10 minimum automated monthly deposit), youth certificates (for members age 27 or younger, $5 minimum, additional deposits up to $10,000 annually), and Christmas Club certificates ($5 minimum, matures November 1, add funds up to $10,000).
Member Services
Phone1-800-748-4302
Toll-Free1-800-748-4302
Mailing Address
P.O. Box 2331, Sandy, UT 84091
Member Services
Phone1-800-748-4302
Mailing Address
Mountain America Credit Union, P.O. Box 2331, Sandy, UT 84091
Verified Mar 2026
Estate planning resources for Mountain America customers
Tools and documents to help protect your Mountain America accounts.
Do I Need a Revocable Trust?
Answer questions about your estate size, real estate, family situation, and privacy preferences to see how a revocable trust compares to a will alone.
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Are My Beneficiary Designations Protected?
See how your state handles beneficiary designations after divorce, inherited IRA creditor protection, and spousal consent requirements for retirement accounts.
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