Savings & Loan Rates
Savings Rates
Rates effective as of January 1, 2024
IRA Accounts
| Account Type | Rate | APY |
|---|---|---|
| Regular IRA | 1.25% | 1.26% |
| Montana Medical Savings | 1.25% | 1.26% |
Christmas Club
| Account Type | Rate | APY |
|---|---|---|
| Christmas Club
Dividends earned on balances up to $3,600. |
5.00% | 5.13% |
CDs
| Term | Minimum Balance | Rate | APY |
|---|---|---|---|
| 90 Days | $500 | 1.50% | 1.51% |
| 90 Days | $25,000 | 1.50% | 1.51% |
| 6 Months | $500 | 2.50% | 2.53% |
| 6 Months | $25,000 | 2.50% | 2.53% |
| 9 Months | $500 | 3.00% | 3.05% |
| 9 Months | $25,000 | 3.25% | 3.30% |
| 12 Months | $500 | 5.00% | 5.13% |
| 12 Months | $25,000 | 5.25% | 5.39% |
| 12 Months | $50,000 | 5.55% | 5.71% |
| 18 Months | $500 | 5.18% | 5.32% |
| 18 Months | $25,000 | 5.55% | 5.71% |
| 18 Months | $50,000 | 5.75% | 5.92% |
| 24 Months | $500 | 3.95% | 4.03% |
| 24 Months | $25,000 | 4.15% | 4.24% |
| 24 Months | $50,000 | 5.65% | 5.81% |
| 36 Months | $500 | 3.50% | 3.56% |
| 36 Months | $25,000 | 3.50% | 3.56% |
APY is the Annual Percentage Yield and is subject to change. Dividends on your savings are calculated daily, paid monthly, and are shown on your quarterly statement. Fees could reduce earnings on the account. Rates may change after the account is opened. For more current rates please contact the credit union.
Loan Rates
Rates effective as of August 25, 2023
Vehicle Loans
Cars, Vans, SUVs, Trucks
| Vehicle Year | Amount | Term | APR |
|---|---|---|---|
| 2013 or Newer | Based on collateral | Up to 7 years | as low as 7.38% |
| 2003-2012 | Based on collateral | Up to 7 years | as low as 9.38% |
RVs, Fifth-wheels, Trailers
| Vehicle Year | Amount | Term | APR |
|---|---|---|---|
| 2018 or Newer | Based on collateral | Up to 10 years | as low as 10.82% |
| 2003-2017 | Based on collateral | Up to 10 years | as low as 14.82% |
ATVs, Side-by-Sides, Boats, Motorcycles, Snowmobiles
| Vehicle Year | Amount | Term | APR |
|---|---|---|---|
| 2018 or Newer | Based on collateral | Up to 7 years | as low as 10.36% |
| 2003-2017 | Based on collateral | Up to 7 years | as low as 12.86% |
Personal Loans
| Loan Type | Amount | Term | APR |
|---|---|---|---|
| Signature Loan | Based on credit | Up to 4 years | as low as 10.86% |
| Line of credit | Based on credit | Revolving | as low as 18% |
| Visa credit card | Based on credit | Revolving | as low as 11.90% |
Real Estate Loans/LOC
| Loan Type | Amount | Term | APR |
|---|---|---|---|
| Express Mortgage | Up to $250,000 | 15 years | Call for rate |
| Home Equity Line of Credit | Up to $250,000 | Up to 20 years | as low as Prime +0% |
| First Mortgages, single family | Up to $484,350 | Up to 30 years | Call for info |
| First Mortgages, four family | Up to $931,600 | Up to 30 years | Call for info |
APR = Annual Percentage Rates, are based on excellent credit, are subject to change. Your rate may vary based on your credit history. All loans are subject to approval. Your rate may be higher and will be determined by loan type, applicable fees, the terms you request, the amount you finance and your credit history. Membership fee and restrictions may apply.