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Vehicle Loans as of 09/12/2019
Type Maximum Terms APR* New (2016 - 2020) 84 months As low as 3.74% for 60 mos. Used (2012 - 2015) 72 months As low as 4.24% for 60 mos. Older (2011 or older) 60 months As low as 5.24% for 60 mos. To ensure you have the most current rates, please use your browser’s refresh button to update this page. APR = Annual Percentage Rate. Rates effective as stated above. Rates are subject to change without notice. Rates determined on approved credit. The terms of repayment for a loan at a 6.55% interest rate would be $30.68 per $1,000 borrowed.
Recreational Vehicle Loans as of 09/12/2019
Type Maximum Terms APR* New (2013 - 2020) 180 months As low as 4.99% for 60 mos. Older (2012 or older) 120 months As low as 5.99% for 60 mos. To ensure you have the most current rates, please use your browser’s refresh button to update this page. APR = Annual Percentage Rate. Rates effective as stated above. Rates are subject to change without notice. Rates determined on approved credit. The terms of repayment for a loan at a 6.55% interest rate would be $30.68 per $1,000 borrowed.
Boat/Motor/Motorcycle/Trailer Loans as of 09/12/2019
Type Maximum Terms APR* New (2013 - 2020) 180 months As low as 5.49% for 60 mos. Used (2012 or Older) 120 months As low as 6.49% for 60 mos. To ensure you have the most current rates, please use your browser’s refresh button to update this page. APR = Annual Percentage Rate. Rates effective as stated above. Rates are subject to change without notice. Rates determined on approved credit. The terms of repayment for a loan at a 6.55% interest rate would be $30.68 per $1,000 borrowed.
Mobile Home Loans as of 09/12/2019
Type Maximum Terms APR* New (2012 - 2019) 180 months As low as 7.50% for 84 mos. Used (2011 or Older) 84 months As low as 7.50% for 84 mos. To ensure you have the most current rates, please use your browser’s refresh button to update this page. APR = Annual Percentage Rate. Rates effective as stated above. Rates are subject to change without notice. Rates determined on approved credit. The terms of repayment for a loan at a 6.55% interest rate would be $30.68 per $1,000 borrowed. *** To ensure you have the most current rates, please use your browser’s refresh button to update this page.
Share Secured Loans as of 9/12/2019
Type Maximum Terms APR* Regular Shares 144 months 2.50% Share Certificates Term cannot exceed the term of the certificate. 2.00% above certificate rate, rounded up to nearest .25% To ensure you have the most current rates, please use your browser’s refresh button to update this page. APR = Annual Percentage Rate. Rates effective as stated above. Rates are subject to change without notice. Rates determined on approved credit. The terms of repayment for a loan at a 6.55% interest rate would be $30.68 per $1,000 borrowed.
Personal Loans as of 09/12/2019
Maximum Terms APR* 60 months As low as 8.49% to 16.00% To ensure you have the most current rates, please use your browser’s refresh button to update this page. APR = Annual Percentage Rate. Rates effective as stated above. Rates are subject to change without notice. Rates determined on approved credit. The terms of repayment for a loan at a 6.55% interest rate would be $30.68 per $1,000 borrowed.
Mortgage Loans as of 09/12/2019
Type Maximum Terms APR* Home Equity Line of Credit -Variable 180 months As low as 5.00% In-House Mortgage and Secondary Market Programs Available Various Call now for current market rates Home Equity - Fixed 60 months As low as 4.25% Home Equity - Fixed 120 months As low as 5.00% Home Equity - Fixed 180 months As low as 5.75% Construction Loan 12 months As low as 5.50% 5/5/5 ARM 5/15 variable As low as 3.09% 10 Year Fixed - Fully Amortizing 120 months As low as 2.84% To ensure you have the most current rates, please use your browser’s refresh button to update this page. * APR = Annual Percentage Rate. Rates effective as stated above. Rates are subject to change without notice. Rates determined on approved credit. The terms of repayment for a loan at a 6.55% interest rate would be $30.68 per $1,000 borrowed. Real estate loans are available on Montana residences only. HELOC Rates – Rate may change after the account is opened. APR will vary at Prime Rate as published in the Wall Street Journal. APR will not exceed 18.00%. The minimum credit limit is $5,000, the maximum is $150,000. The minimum payment is 1% of the outstanding balance at the last advance with a minimum of $50. A processing fee of $400 applies to cover closing costs. There are no fees for advances.
Agriculture/Commercial Loans
Contact a Commercial Loan Officer for Current Rates -
Savings Rates as of 7/1/2019
Account Type Rate* APY* Metro Savings (ADB Under $10,000) 1.982% 2.00% Metro Savings ($10,001+) 0.05% 0.05% Sam Money Market (ADB under $25,000) .05% .05% Sam Money Market ($25,000 - $49,999.99) .399% 0.40% Sam Money Market ($50,000 - $74,999.99) .499% 0.50% Sam Money Market ($75,000 - $99,999.99) .896% 0.90% Sam Money Market ($100,000+) 1.144% 1.15% Max Money Market (ADB under $99,999.99) 0.05% 0.05% Max Money Market ($100,000 - $249,999.99) 1.539% 1.55% Max Money Market ($250,000+) 1.884% 1.90% Coverdell, Traditional & Roth IRA Shares (ADB under $10,000) 0.30% 0.30% Coverdell, Traditional & Roth IRA Shares ($10,000 - $24,999) .349% .35% Coverdell, Traditional & Roth IRA Shares ($25,000 - $49,999) .449% .45% Coverdell, Traditional & Roth IRA Shares ($50,000 - $99,999) .499% .50% Coverdell, Traditional & Roth IRA Shares ($100,000+) .648% .65% Wealth Builder Savings Account (up to $10,000) .995% 1.00% Wealth Builder Plus Savings Account ($2,500 - $19,999) .995% 1.00% Money Market Account ($10,000 - $19,999) .03% .03% Money Market Account ($20,000 - $29,999) .03% .03% Money Market Account ($30,000 - $49,999) .03% .03% Money Market Account ($50,000 - $74,999) .05% .05% Money Market Account ($75,000 - $99,999) .08% .08% Money Market Account ($100,000+) .10% .10% Premier Money Market Account (Up to $10,000) .05% .05% Premier Money Market Account ($10,000 - $24,999) .20% .20% Premier Money Market Account ($25,000 - $49,999) .20% .20% Premier Money Market Account ($50,000 - $99,999) .25% .25% Premier Money Market Account ($100,000+) .30% .30% Secure Checking ($2,500 - $10,000) .05% .05% Secure 55+ Checking (ADB $2,500) .05% .05% Christmas Club (up to $5,000; ADB >$5,000 earns 0.000%) 1.25% 1.25% To ensure you have the most current rates, please use your browser’s refresh button to update this page. APY = Annual Percentage Yield & APR = Annual Percentage Rate
To ensure you have the most current rates, please use your browser’s refresh button to update this page. Rates subject to change without notice. Some restrictions may apply, please contact Altana Federal Credit Union. To earn the stated Annual Percentage Yield, a minimum balance must be maintained daily. Dividends will be calculated daily, compounded and credited to your account monthly. Ask for details and restrictions. Transaction limitations may apply. Internet access may be unavailable. A penalty may be imposed for early withdrawal or closing. -
Certificate Rates as of 3/13/2019
Type Minimum Rate* APY* Cubby/fyi Certificates 6 Months $100 .896% .90% Cubby/fyi Certificates 12 Months $100 .946% .95% 6 Month Certificates $500 - $9,999 .896% .90% 6 Month Certificates $10,000 - $24,999 .896% .90% 6 Month Certificates $25,000 - $49,999 .946% .95% 6 Month Certificates $50,000 - $99,999 .995% 1.00% 6 Month Certificates $100,000+ 1.045% 1.05% 12 Month Certificates $500 - $9,999 .946% .95% 12 Month Certificates $10,000 - $24,999 .946% .95% 12 Month Certificates $25,000 - $49,999 .995% 1.00% 12 Month Certificates $50,000 - $99,999 1.094% 1.10% 12 Month Certificates $100,000+ 1.144% 1.15% 18 Month Certificates $500 - $9,999 1.094% 1.10% 18 Month Certificates $10,000 - $24,999 1.144% 1.15% 18 Month Certificates $25,000 - $49,999 1.193% 1.20% 18 Month Certificates $50,000 - $99,999 1.292% 1.30% 18 Month Certificates $100,000+ 1.342% 1.35% 24 Month Certificates $500 - $9,999 1.144% 1.15% 24 Month Certificates $10,000 - $24,999 1.193% 1.20% 24 Month Certificates $25,000 - $49,999 1.292% 1.30% 24 Month Certificates $50,000 - $99,999 1.391% 1.40% 24 Month Certificates $100,000+ 1.440% 1.45% 36 Month Certificates $500 - $9,999 1.391% 1.40% 36 Months Certificates $10,000 - $24,999 1.440% 1.45% 36 Month Certificates $25,000 - $49,999 1.539% 1.55% 36 Month Certificates $50,000 - $99,999 1.638% 1.65% 36 Month Certificates $100,000+ 1.736% 1.75% 60 Month Certificates $500 - $9,999 1.638% 1.65% 60 Month Certificates $10,000 - $24,999 1.834% 1.85% 60 Month Certificates $25,000 - $49,999 1.933% 1.95% 60 Month Certificates $50,000 - $99,999 2.031% 2.05% 60 Month Certificates $100,000+ 2.129% 2.15% IRA 12 Month Certificates $500 - $9,999 .946% .95% IRA 12 Month Certificates $10,000 - $49,999 .995% 1.00% IRA 12 Month Certificates $50,000 - $99,999 1.094% 1.10% IRA 12 Month Certificates $100,000+ 1.144% 1.15% IRA 24 Month Certificates $500 - $9,999 1.243% 1.25% IRA 24 Month Certificates $10,000 - $49,999 1.292% 1.30% IRA 24 Month Certificates $50,000 - $99,999 1.391% 1.40% IRA 24 Month Certificates $100,000+ 1.440% 1.45% IRA 36 Month Certificates $500 - $9,999 1.490% 1.50% IRA 36 Month Certificates $10,000 - $49,999 1.588% 1.60% IRA 36 Month Certificates $50,000 - $99,999 1.638% 1.65% IRA 36 Months Certificates $100,000+ 1.736% 1.75% IRA 60 Month Certificates $500 - $9,999 1.638% 1.65% IRA 60 Month Certificates $10,000 - $49,999 1.834% 1.85% IRA 60 Month Certificates $50,000 - $99,999 2.031% 2.05% IRA 60 Month Certificates $100,000+ 2.129% 2.15% Coverdell Education Savings Certificate 12 Months $100 .847% .85% Coverdell Education Savings Certificate 24 Months $100 1.193% 1.20% Coverdell Education Savings Certificate 60 Months $100 1.490% 1.50% To ensure you have the most current rates, please use your browser's refresh button to update this page. Rate = Annual Percentage Yield & APR = Annual Percentage Rate. Rates subject to change without notice. Some restrictions may apply, please contact Altana Federal Credit Union.
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Visa Card Summary Terms and Conditions as of 09/12/2019
Annual Percentage Rate - Fixed rate based on credit score and credit approval 7.95% - 17.90% APR Grace Period for Purchases 25 Days Annual Fee None Minimum Financee Charge None Method of Computing the Balance for Purchase Average Daily Balance (including new purchase) Late Fee up to $35.00 Over the Credit Limit Fee $25.00 per billing cycle, if applicable Cash Advance Transaction Fee None Foreign Transaction Fee 1% of dollar amount of transaction
Life events can cause financial hardship, making bill-paying difficult. You don’t want delinquent payments and defaulted loans to cause you to lose your assets, negatively impact your credit rating, or cause financial distress for your family.
MEMBER’S CHOICE™ Borrower Security is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. And, simple eligibility requirements ease the enrollment process.
If a protected life event happens to you (and you’re a protected borrower or co-borrower on the loan), Altana Federal Credit Union will cancel or reduce repayment of your loan debt – helping to lessen your worries, and your family’s worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:
• Loss of life, including those caused by acts of war
• Disability, including those caused by acts of war
• Involuntary unemployment