Mountain America Credit Union Routing Number - The West

The credit union boom along the Mormon Corridor

Utah has one of the highest credit union membership rates in the country, and it is not a coincidence. The state's strong tradition of community-based financial cooperation - rooted in the cooperative principles championed by early Latter-day Saint settlers - created fertile ground for credit unions to thrive. Mountain America Credit Union, founded in 1934, grew directly out of this culture. It started as a small employee credit union and evolved into the largest credit union headquartered in Utah, with over $18 billion in assets and more than one million members across Utah, Idaho, Nevada, Arizona, Montana, and New Mexico.

The "Mormon Corridor," the string of western states with significant LDS populations, is home to a disproportionate number of credit unions per capita. Mountain America is the heavyweight among them, consistently ranking as one of the fastest-growing credit unions in the West by both asset size and membership.

Mountain America

Mountain America uses a single routing number for all members: 324079555. The 324 prefix identifies the institution as being processed through the Federal Reserve Bank of San Francisco's Salt Lake City branch - the same Fed district that handles most Utah-based financial institutions. This routing number works for ACH transfers, direct deposit, bill pay, and domestic wire transfers regardless of which state you joined from.

How credit unions get routing numbers differently than banks

Banks obtain ABA routing numbers through the American Bankers Association, but credit unions receive theirs through a parallel process managed by the National Credit Union Administration in coordination with the Federal Reserve. The structural difference is subtle but meaningful: credit unions are member-owned cooperatives, not shareholder-owned corporations, and their routing number assignments reflect their charter type and regulatory framework.

When a credit union like Mountain America merges with a smaller CU, the acquired institution's routing number is typically retired and members are migrated to the surviving number. This is why Mountain America - despite absorbing several smaller Utah credit unions over the decades - still operates under a single routing number rather than carrying a patchwork of legacy numbers like JPMorgan Chase.

Finding your Mountain America routing number

Members can find the routing number in the Mountain America mobile app under account details, through online banking at macu.com, or on the bottom-left corner of Mountain America checks. The number is also listed on Mountain America's public FAQ page, and any branch location can confirm it.

For wire transfers, both domestic and international incoming, members should contact Mountain America directly to confirm intermediary bank details. Outgoing domestic wires use the same routing number - 324079555 - with a $25 fee for each outgoing transfer.

Why growing businesses are moving beyond credit unions

Credit unions like Mountain America offer excellent consumer products, but businesses often outgrow what a CU can provide - particularly around multi-user card management, automated expense policies, and real-time spend controls. Slash closes that gap by combining the simplicity of a single account with the operational depth that scaling companies need: unlimited virtual cards, built-in expense management, and accounting integrations that eliminate month-end reconciliation pain.