021000021
View detailsThe credit union boom along the Mormon Corridor
Utah has one of the highest credit union membership rates in the country, and it's not a coincidence. The state's strong tradition of community-based financial cooperation — rooted in 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.
Routing number
Mountain America uses a single routing number for all members: 324079555. The 324 prefix ties to the Federal Reserve Bank of San Francisco's Salt Lake City branch, which 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. For wire transfers, contact Mountain America directly to confirm intermediary bank details. Outgoing domestic wires use 324079555 with a $25 fee per transfer. Find the routing number in the Mountain America mobile app under account details, at macu.com, or on the bottom-left corner of a check.
How credit unions get routing numbers
Banks obtain ABA routing numbers through the American Bankers Association; credit unions receive theirs through a parallel process managed by the National Credit Union Administration in coordination with the Federal Reserve. When a credit union merges with a smaller one, the acquired institution's routing number is typically retired and members migrate to the surviving number. Mountain America has absorbed several smaller Utah credit unions over the decades and still operates under a single routing number — no legacy patchwork.
Why growing businesses move beyond credit unions
Mountain America offers excellent consumer products, but businesses often outgrow what a credit union can provide — particularly around multi-user card management, automated expense policies, and real-time spend controls. Slash closes that gap with unlimited virtual cards, built-in expense management, and accounting integrations that eliminate month-end reconciliation pain, all from a single account.
