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Having a nest egg can be a real lifesaver. Hence the name "Savings Account." But life’s about more than just surviving. That’s why our free savings account does more than earn dividends — it makes you an owner of our credit union.

You wouldn't charge yourself fees or pay yourself weak earnings. Since you have a say in everything MountainCrest Credit Union does…we don't. Step up to higher dividends, lower loan rates, and many more member benefits. Open your account today!


  • Competitive dividends on entire balance
    • Compounded daily, paid monthly
  • No monthly service fee
  • $5 minimum balance required to maintain membership
  • Free online banking
  • Free mobile banking
  • Free e-statements
  • Free telephone banking
  • Nationwide surcharge-free ATMs and thousands of shared branch locations via the CO-OP Network
  • Can be used as overdraft protection on checking account
  • $5 minimum deposit to open
  • Federally insured by NCUA

A simple—but highly successful—key to financial well-being is to always "pay yourself first." It may seem hard at first, so MountainCrest Credit Union provides tools to make it easy:

  • Direct deposit
  • Payroll deduction
  • Automatic transfers
  • Mailing in a check
  • ATM or in-person deposits

Countless financial advisors encourage Americans to take the pay yourself mantra literally: Before you pay your bills, before you buy groceries, before you purchase anything, set aside a portion of your income for savings.

Many feel this is impossible as there is never any money left over at the end of the month. This philosophy represents a shift. Instead of thinking of savings as "what's left over," it is done when the money is still there.

You'd be surprised to find the bills still get paid and mouths still get fed. It does mean a shopping spree in Seattle or an impromptu beach vacation may take a back seat at times. But paying yourself first gives you financial stability and builds wealth. Practicing this habit establishes savings as a priority and gets easy once you get started. Best of all, over time you accumulate wealth to more than make up for any shopping excursions you passed on.

MountainCrest Credit Union can help you make the most of your savings. If you're having trouble getting started, we provide free financial counseling via BALANCE Financial Fitness.