The Mountain America Federal Credit Union has $4.4 billion in assets and over 522,000 members. It was originally the Salt Lake Telephone Employees Credit Union but it merged with the Postal Workers Credit Union in 1984, when it became the second largest credit union in Utah. It has an A+ rating with the BBB, a five star rating with Bauer Financial, and it's the top SBA lender among credit unions. Its return on average assets in 2013 was 1.64%. It has no minimum amount to open an account and a $2 monthly service fee. The penalty for nonsufficient funds is $25.