Estate planning and settlement at Mountain America

How your Mountain America accounts transfer at death depends on how each one is set up. As a membership-based credit union, Mountain America over 100 branches across Utah, Idaho, Arizona, Nevada, and Montana, with the corporate office at 9800 South Monroe Street, Sandy, UT 84070 and member mail directed to P.O. Box 2331, Sandy, UT 84091. Mountain America exited New Mexico on March 1, 2025, when its Albuquerque branches and selected member accounts transferred to Sunward Federal Credit Union (https://www.macu.com/cp/misc/new-mexico-sunward); Sunward runs a dedicated support line at 1-505-559-2024, and Mountain America still retrieves historical statements and tax documents for those closed accounts through its own service center. Membership eligibility (https://www.macu.com/about/membership) is met by residence in Salt Lake County or Duchesne County, Utah, or in census tract 940300 of Wasatch County or tracts 940100 or 940200 of Uintah County; by being an employee or volunteer of a select employer group or affiliated association; by living with an existing member; or by family relationship to an existing member. The family list expressly includes a SURVIVING SPOUSE, which is what lets a widow or widower keep banking there in his or her own right after the member dies. With 20 account types, the transfer rules vary—getting the right designations in place now prevents delays and court involvement later.

Beneficiary designations at Mountain America can be managed in branch, by phone, and by mail. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.