Vehicle Loans - Fixed Rate
Effective 4/1/08

Loan Type

Fixed Rate (APR)

2002 and newer vehicles - not over retail value - Max term 72 months

4.95%

2001 and older used vehicles - max term 60 months

Vehicle Loans - Variable Rates
Effective 4/1/08

Loan Type

Variable Rate (APR)

2002 and newer vehicles - not over retail value

6.00%

1998-2001 vehicles

6.00%

1997 and older vehicles

Recreational Equipment Loans (new and used)
Effective 4/1/08

Loan Term

Fixed Rate (APR)

Up to 72 months (OAC)

4.95%

73 to 144 months (OAC)

Personal Loan
Effective 4/1/08

Loan Type

Term

Rate

Personal

Up to 48 months

9.95%

Credit Cards
Effective 4/1/08

Loan Type

Term

Rate

VISA

Fixed

11.9%

Variable Loan Rates
Effective 4/1/08

Loan Type

Rate (APR*)

Shares Pledged

3% Above Highest Dividend Paid

Line of Credit (Personal)

11.78%

Bronze Cache Advance

12.78%

Silver Cache Advance

12.28%

Golden Cache Advance

12.28%

Home Equity/Home Improvement Loans
Effective 4/1/08
1st Mortgages up to 30 years.
Rates adjust daily, please contact our Loan Officer at 727-2210 for our current competitive rates!

Home Equity

Loan Type

Term

Rate (APR*)

Home Equity

Line of Credit

6.28% Variable

Home Equity

0-60 month term

5.95% Fixed

Home Equity

61-120 month term

6.45% Fixed

Home Equity

121-180 month term

6.95% Fixed

Dividend Rates
Effective 4/1/08

For further information regarding appliciable fees and terms,
contact Montana Federal Credit Union at (406) 727-2210

Dividend Rates - Regular Shares Paid Monthly

Deposit

APR*

APY*

Regular

1.00%

1.01%

Christmas Club

1.50%

1.50%

Dividend Rates - Money Market Accounts Paid Monthly

APR*

APR*

APR*

Money Market ($0-$2,499.99) 

Money Market ($2,500-$49,999.99) 

Money Market ($50,000-$74,999.99)  

Money Market ($75,000 +)  

Dividend Rates - Share Draft Accounts Paid Monthly

Account Type

APR*

APY*

Silver Cache

.25%

.25%

Golden Cache ($250 min.)

.25%

.25%

High Volume

.25%

.25%

Share Certificates
Effective 4/1/08
Available in different terms and investment amounts
Withdrawals made before the maturity date will be subject to penalties
On maturity you can renew at the current rate, transfer or withdraw the funds.

Additional Information

Share Certificates pay a higher Annual Percentage Yield in return for your agreement to keep the funds on deposit for a specified period of time. They come in a variety of deposit amounts and length of terms. Withdrawals made before the maturity date will be subject to penalties. After dividends are paid to an account they may be withdrawn without penalty. However, this will result in a lower Annual Percentage Yield than if you simply allow them to accrue until the certificate matures. Upon maturity you may renew your certificate at the current rate, transfer or withdraw the funds.

A Share Certificate is not unlike a Certificate of Deposit (CD) at a bank (but chances are, the rate of return is usually better.)

Earnings on all savings, checking and certificates are compounded monthly. A penalty applies to certificates withdrawn early. All rates are subject to change. For current rates, please call your Credit Union Member Service Representative at (406) 727-2210 or (406) 455-9300.

IRAs
Effective 4/1/08
Planning for Retirement

• IRA Savings accounts are available
• Traditional and Roth IRAs have a maximum annual contribution amount of $4,000
• All IRA accts NCUA insured up to $250,000

Take a look at the general guidelines on different IRA structures below. Be sure to consult your tax advisor for more detailed information.

IRA Rates

Term

Rate

APY

IRA Savings

2.25%

2.27%

Individual Retirement Accounts (IRAs) are an excellent retirement savings tool because of the tax advantages. The credit union offers traditional IRAs as well as Roth IRAs. Both the Roth and the traditional IRA have a combined contribution of $4,000 per year. Your credit union IRA accounts are NCUA insured up to $250,000, so you know your investment is secure.

Traditional IRAs
• All income taxes on dividends are deferred until you reach the age of 59 1/2
• Deposits are tax-deductible
• Penalties apply for early withdrawal

With a traditional IRA, dividends earned are not subject to income tax until you reach the age of 59 1/2. And, for some, the amount deposited may be subtracted from income for tax purposes depending on your income and whether you or your spouse have a pension from your employer. Anyone under age 70 1/2 with income from compensation is eligible.

Roth IRAs
• Deposits are not tax-deductible
• No penalty for early withdrawal
• Earnings can be withdrawn tax-free at age 59 1/2

The Roth IRA doesn't allow deposits to be deducted for tax purposes, but contributions can be withdrawn penalty-free at any time. Earnings can be withdrawn tax and penalty free at age 59 1/2. If you become disabled or for a first time home purchase. Those eligible for this IRA include: married couples filing jointly with modified adjusted income (MAGI) up to $150,000 and single tax filers with MAGI up to $95,000. Those with income above these ranges may qualify for reduced contributions.

Be sure and check with your tax consultant for advice on which IRA is best for you. Investing for the future is easy. You can have deposits made to your IRA account through automatic transfer. Be sure to check out our other smart savings tools, like Share Certificates. For current rates, please call your Credit Union Financial Service Representative at (406) 727-2210 or (406) 455-9300.