Address

2901 Grand Avenue
Butte, Montana 59701

Lobby Hours

9:00am – 4:00pm (Mon-Fri)

Phone Number

(406) 723-8284 

Rates / Fees
**Rates are subject to
change. Please call for
current rates.

Loan Rates

Rate Type Term in Months APR Rate   Notes
New Vehicles 48 3.00%   All Rates are subject to change without notice. Some restrictions may apply.
New Vehicles 60 3.25%    
New Vehicles 72 3.50%    
New Vehicles 84 3.75%    
Used Vehicles 48 4.00%    
Used Vehicles 60 4.25%    
Used Vehicles 72 4.50%    
New Recreation Vehicles 120 4.50%   Minimum $10,000
New Recreation Vehicles 108 4.25%   Minimum $10,000
New Recreation Vehicles 96 4.00%   Minimum $10,000
New Recreation Vehicles 84 3.75%    
New Recreation Vehicles 72 3.50%    
New Recreation Vehicles 60 3.25%    
New Recreation Vehicles 48 3.00%    
Used Recreation Vehicles 72 4.50%    
Used Recreation Vehicles 60 3.25%    
Used Recreation Vehicles 48 4.00%    
SHORT TERM SMALL AMOUNT 6 24.00%    
SHARE SECURED 0 2.50%    
Personal  Loan Up to 84 10.00%    
Home Equity*  180 3.75%   Up to 12 Years
Home Equity* 180 4.00%   13 to 15 Years
Home Equity* 240 4.25%   16 to 20 Years
Christmas Loans 12 9.00%   Christmas Loans – Available November 1st thru January 31st each year
PC Loans/Laptops 24 10.00%   Effective May 1, 2006
Overdraft Protection Plans 12 15.00%   6-12 Months

Savings Rates

Share Certificates 

All the below Certificates are insured to $250,000 by The National Credit Union Administration, a private agency of The U.S. Government. All Certificates begin compounding interest at maturity at the applicable rate in effect at the time of renewal providing the interest is allowed to accrue. Effective September 1, 2020

Program Term (Months) APR Rate APY Rate
$0 – 50,000 6 0.050% 0.050%
$50,001 – 100,000 6 0.100% 0.100%
$100,001 and over  6 0.150% 0.150%
$0 – 50,000 9 0.050% 0.050%
$50,001 – 100,000 9 0.100% 0.100%
$100,001 and over  9 0.150% 0.150%
$0 – 50,000 12 0.100% 0.100%
$50,001 – 100,000 12 0.150% 0.150%
$100,001 and over  12 0.200% 0.200%

Savings Dividend Rates 

Effective September 1, 2020

Program Term (Months) APR Rate APY Rate
Christmas Club 0 0.150% 0.150%
Misc. Savings (Vacation, Insurance, Misc. and Escrow) – $.01 – Over (Vacation, Insurance, Misc. and Escrow) 0 0.050% 0.050%
Regular Savings – $.01 – Over 0 0.050% 0.050%
 

IRA’s 

Effective September 1, 2020 

Term (Months) APR Rate APY Rate
Traditional IRA  – $.01 – 10,000.00 0 0.100% 0.100%
Traditional IRA  – $10,000.01 – 20,000.00 0 0.150% 0.150%
Traditional IRA  – $20,000.01 – 30,000.00 0 0.200% 0.200%
Traditional IRA  – $30,000.01 – over 0 0.250% 0.250%
Roth IRA – $.01 – 10,000.00 0 0.100% 0.100%
Roth IRA – $10,000.01 – 20,000.00 0 0.150% 0.150%
Roth IRA – $20,000.01 – 30,000.00 0 0.200% 0.200%
Roth IRA – $30,000.01 – over 0 0.250% 0.250%
Coverdell Educational IRA – $.01 – over 0 0.100% 0.100%
 

APR (Annual Percentage Rate) 

Fee Schedule

Overdraft Fee: $30.00 Per item
Return NSF Check: $25.00 Per item
Starter Checks: $3.00 (Includes 8 Checks, 4 Deposit Slips and Register)
Stop Payment:  $20.00 Per Request
Return Check Deposit: $20.00 Per Return
Copy of Draft: $1.00 per copy
Travel Cards:  $10.00 Fee Waived for Senior Citizens and Members Maintaining $200.00 Checking Balance
Money Orders:  $2.00 Each – Fee Waived for Senior Citizens and Members Maintaining $200.00 Checking Balance
Facsimiles:  $1.00 A Page 
Wire Transfers: $10.00 for Transfers Done Within the US – $25.00 for International Transfers
Garnishment Fee:  $30.00 Per Account
Electronic Funds: $25.00 per item ACH Overdraft
  $30.00 per item Debit Card Overdraft
  $10.00 Initial Debit or Credit Card
  $10.00 Credit or Debit Card Replacement
  $2.00 ATM Transacation (excluding Credit Union Cards)
Tellers Checks $2.00 per check
Gift Cards $5.00 each
Prepaid Debit Card $5.00 each (effective March 10, 2014)
Account Research $10.00 per hour
Dormant Account $10.00 a year
Annual Skip A Pay Program $30.00 per loan
Cash Check $5.00 (only if no other services are used) (effective March 10, 2014)
Loans: $70.00 Lenders Single Interest Insurance
  $30.00 or 5% Late Fee over 10 Days
  $8.24 Lien Filing
  $20.00 Credit Report