About Us - Altana Federal Credit Union

Our History

It’s been 70 years since 9 Montana refinery workers pooled their money in a cash box located in an empty boxcar. It’s hard to imagine that they could have envisioned the impact they would have on the lives of so many people.

The first loan given was used to purchase a sewing machine. The rest, as they say, is history.

Thanks to their leap of faith so many years ago, we’re here today. Altana Federal Credit Union – Laurel Federal Credit Union, at the time – has grown to support people and families who live, work and worship in seven counties in Montana. Today, we help people build their dream home, purchase their first vehicle, and save for college or retirement.

What hasn’t changed over the last 70 years is the cooperative spirit that was the cornerstone of that first meeting. Their vision and philosophy – a desire to promote thrift and savings in an effort to improve the financial lives of members and their families – is alive and well. We also believe the growth and well-being of our communities will continue to remain bright as long as people continue to hold sacred this spirit of cooperation.

Member Promise

A few things you should know:

No matter how big or small your goals, we’re here to help you reach them.
We always do what’s best for you.
We want to save you time.
We care. (it’s nice, you’ll get used to it)

“We promise to simplify your life, work in your best interest and help you achieve a strong financial future.”

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How to Qualify

Qualifying for rewards is easy!

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

At least 12 debit card purchases
Be enrolled in and log into online banking
At least 1 bill pay or ACH payment transaction

That’s it! Even if you don’t qualify one month, your account is still free — and you can get right back to earning cash rewards the very next month.

Checking Rates

Rates Effective as of: 09-19-2024

Savings 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%

Sam Money Market (ADB under $25,000)

.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%

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%

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%

Money Market Account ($20,000 - $29,999)

.03%

Money Market Account ($30,000 - $49,999)

.03%

Money Market Account ($50,000 - $74,999)

.05%

Money Market Account ($75,000 - $99,999)

.08%

Money Market Account ($100,000+)

.10%

Premier Money Market Account (Up to $10,000)

.05%

Premier Money Market Account ($10,000 - $24,999)

.20%

Premier Money Market Account ($25,000 - $49,999)

.20%

Premier Money Market Account ($50,000 - $99,999)

.25%

Premier Money Market Account ($100,000+)

.30%

Secure Checking ($2,500 - $10,000)

.05%

Secure 55+ Checking (ADB $2,500)

.05%

Christmas Club (up to $5,000; ADB >$5,000 earns 0.000%)

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

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.

Vehicle Loan Rates

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.

Home Equity Rates

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.

Lifestyle Loan Rates

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.

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.

MEMBER’S CHOICE Borrower Security

MEMBER’S CHOICE™ Borrower Security

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

Join Us

Enjoy all of our products and services by joining Altana Federal Credit Union. To be eligible for membership you must live, work, worship or attend school in, or have a business located in the counties of Yellowstone, Carbon, Stillwater, Sweet Grass, Wheatland, Golden Valley or Musselshell. An original membership application will be sent to you. We will contact you to complete the application process.

Membership Application

Name*
First Middle Last
Address*
Street Address Address Line 2 City State / Province / Region ZIP / Postal Code Country
Phone*
Email*
Additional Services I am interested in:*
- Online Banking
- Debit Card
- Visa Credit Card
- Checking Account
- iTalk
- Direct Deposit/Payroll Deduction
Other?
Your Questions or Comments
Sensitive Data*
I agree
Do not submit sensitive data through this form (ex. social security, license, account numbers, etc). If you have a question about your account, please call us or visit a branch.
Name
This field is for validation purposes and should be left unchanged.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What does this means for you? When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Our story.

A cigar box, a boxcar & 9 guys.

Our core values.

Building strong futures.

We are your people.

Our History

Member Promise

Schedule an Appointment

Schedule an Appointment

Apply Now

Not a member? Get started here:

Already a Member?

Debit Card Help

Access Online Banking

Download our App

How to Qualify

Qualifying for rewards is easy!

Checking Rates

Savings Rates

Savings Rates as of 7/1/2019

Certificate Rates

Certificate Rates as of 3/13/2019

Vehicle Loan Rates

Vehicle Loans as of 09/12/2019

Recreational Vehicle Loans as of 09/12/2019

Boat/Motor/Motorcycle/Trailer Loans as of 09/12/2019

Mobile Home Loans as of 09/12/2019

Home Equity Rates

Mortgage Loans as of 09/12/2019

Lifestyle Loan Rates

Personal Loans as of 09/12/2019

Share Secured Loans as of 9/12/2019

MEMBER’S CHOICE Borrower Security

MEMBER’S CHOICE™ Borrower Security

Join Us

Membership Application

Important Information About Procedures for Opening a New Account