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 Apr 2026
How your Mountain America accounts transfer at death depends on how each one is set up. As a membership-based credit union, Mountain America operates 104 branches across Utah (74), Idaho (12), Arizona (11), Nevada (5), and Montana (2) as of February 2026. Exited New Mexico in March 2025 when Albuquerque branch operations and approximately 15,000 members transferred to Sunward Federal Credit Union. Membership eligibility varies by location, employer group, or affiliated association. Primary membership base is in select Utah counties. With 17 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.
Mountain America handles beneficiary designations in branch, by mail, and by phone. Accounts can also be retitled into a trust to keep them out of probate entirely.
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. 6-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 is not available nationwide. Estate planning procedures may vary by state, so confirm that your location is served before making account changes.
Frequently asked questions
IRA beneficiaries are designated on a separate IRA beneficiary form, distinct from the POD form used for deposit accounts. 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. Mountain America allows shares to be issued in a revocable or irrevocable trust per MACU bylaws. Trust accounts must be opened in person at a branch. Bring your complete trust agreement or Certificate of Trust, the trust EIN (or trustee SSN for revocable trusts), and government-issued photo ID for all trustees. Most deposit accounts (checking, savings, money market, certificates) can be titled to or retitled into a trust. IRA accounts cannot be retitled to a trust; use a beneficiary designation instead. Note that trust accounts with an EIN are not eligible for MyStyle Checking.
Mountain America Investment Services provides wealth management through LPL Financial, including estate planning guidance, retirement planning, and tax strategies. You can schedule a free consultation online or call 1-800-540-7670. Mountain America also allows shares to be issued in a revocable or irrevocable trust per MACU bylaws, enabling trust-based account ownership for estate planning purposes.
Sources
Data sourced from Mountain America primary sources (28 pages reviewed). How we research.
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 Apr 2026
Estate planning articles
Learn how to protect your Mountain America accounts and other assets with trusts, beneficiary designations, and estate planning documents.
