Savings & Loan Rates

Montana quarter on top of $20 bills

Savings Rates

Rates effective as of April 15, 2024

Regular Shares

Account Type Rate APY
Regular Shares/Subshares

Up to $3000

 1.25% 1.26%
Regular Shares/Shares

$3001 and above

 1.25% 1.26%

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% 5.10%

APY is the Annual Percentage Yield and is subject to change. Dividends on above Savings accounts are paid on the last day of each calender quarter and appear on your quarterly statement. Fees and account setup options could reduce earnings on an account.  For current rates and terms please contact the credit union.

CDs

90-Day Share Certificates

Amount Rate APY
$500 - $25,000 3.950% 4.010%
$25,001 - $49,999 4.250% 4.320%
$50,000 and up 4.550% 4.630%

6-Month Share Certificate

Amount Rate APY
$500 - $25,000 4.150% 4.190%
$25,001 - $49,999 4.450% 4.500%
$50,000 and up 4.750% 4.810%

9-Month Share Certificate

Amount Rate APY
$500 - $25,000 4.500% 4.530%
$25,001 - $49,999 4.750% 4.780%
$50,000 and up 4.950% 4.980%

12-Month Share Certificate

Amount Rate APY
$500 - $25,000 4.950% 5.040%
$25,001 - $49,999 5.150% 5.250%
$50,000 and up 5.350% 5.460%

18-Month Share Certificate

Amount Rate APY
$500 - $25,000 4.750% 4.840%
$25,001 - $49,999 4.950% 5.050%
$50,000 and up 5.510% 5.250%

24-Month Share Certificate

Amount Rate APY
$500 - $25,000 3.950% 4.010%
$25,001 - $49,999 4.150% 4.220%
$50,000 and up 4.400% 4.470%

36-Month Share Certificate

Amount Rate APY
$500 - $25,000 3.500% 3.550%
$25,001 - $49,999 3.650% 3.700%
$50,000 an up 3.800% 3.850%

APY is the Annual Percentage Yield and is subject to change. Dividends on Share Certificates are paid quarterly on the anniversary of the opening deposit. For current rates and terms please contact the credit union.

Loan Rates

Rates effective as of April 15, 2024

Vehicle Loans

Cars, Vans, SUVs, Trucks

Vehicle Year Amount Term APR
Current Model Year to 10-Years Old Based on collateral Up to 7 years as low as
7.38%
11-Years Old to 20-Years Old Based on collateral Up to 7 years as low as
9.73%
Older than 20 Years Based on collateral Up to 7 years as low as
14.73%

RVs, Fifth-wheels, Trailers

Vehicle Year Amount Term APR
Current Model to 5-Years Old Based on collateral Up to 10 years as low as
11.07%
6-Years Old to 10-Years Old Based on collateral Up to 10 years as low as
15.07%

ATVs, Side-by-Sides, Boats, Motorcycles, Snowmobiles

Vehicle Year Amount Term APR
Current Model Year to 5-Years Old Based on collateral Up to 7 years as low as
10.61%
6-Years Old to 10-Years Old Based on collateral Up to 7 years as low as
13.11%

Personal Loans

Loan Type Amount Term APR
Signature Loan Based on credit 48-Months 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 20 years Call for rate
Home Equity Line of Credit Up to $250,000 20 years as low as
Prime +0%

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. Contact the credit union for current rates, terms and conditions.