Rates

Dividend rates are in effect as of November 1, 2011.  Dividend rates are subject to change without notice. APY represents the annual percentage yield when dividends remain on deposit for monthly compounding.  A penalty will be imposed for early withdrawal on Share Certificate accounts.

Loan rates are in effect from November 1, 2011.  Loan rates are available on approved credit.  For current rates visit MHFCU or call us at 259-2000.

Savings Rates

Share TypeMinimum BalanceDividend RateAPY*
Regular Shares $25.00 0.11% 0.110%
Share Draft $0.00 0.10% 0.100%
Christmas Club $5.00 0.25% 0.250%
Health-E Club Christmas $5.00 0.35% 0.351%
Vacation Club $5.00 0.25% 0.250%
Health-E Club Vacation $5.00 0.35% 0.351%
IRA Shares $5.00 0.16% 0.160%
High Yield Shares $2500 - $19,999.99 0.15% 0.150%
  $20,000 - $49,999.99 0.20% 0.200%
  $50,000.00 - $99,999.99 0.30% 0.300%
  $100,000.00 + 0.40% 0.401%
Share CertificatesMinimum BalanceDividend RateAPY*
3 month $500.00 0.15% 0.150%
3 month Youth & Teen CD $100.00 0.35% 0.351%
6 month $500.00 0.30% 0.300%
12 month $500.00 0.40% 0.401%
18 month $500.00 0.50% 0.501%
24 month $500.00 0.75% 0.753%
30 month $500.00 0.85% 0.854%
36 month $500.00 1.00% 1.005%
48 month $500.00 1.35% 1.359%
36 month $500.00 1.00% 1.005%
48 month $500.00 1.35% 1.359%
HEALTH-E CLUB MEMBERS enjoy a premium of .15% on all regular certificates of deposit.
IRA Shares & CertificatesMinimum BalanceDividend RateAPY*
Shares $5.00 0.16% 0.160%
3 month $500.00 0.25% 0.250%
6 month $500.00 0.35% 0.351%
12 month $500.00 0.45% 0.451%
18 month $500.00 0.55% 0.552%
24 month $500.00 0.80% 0.803%
30 month $500.00 0.90% 0.904%
36 month $500.00 1.05% 1.055%
48 month $500.00 1.40% 1.409%

APY* represents the annual percentage yield when dividends remain on deposit for monthly compounding.

Loan Rates

Loan rates at MHFCU are based on the amount borrowed, the term of the loan, and your individual credit history.  Please call our friendly Account Services Reps for details.

Real Estate Loans

TypeTermAPR*
1st & 2nd Mortgages Prevailing terms and rates apply
Home Equity Loans up to 60 months Rates are based on loan
Home Equity Loans 61-120 months amount, term, and
Home Equity Loans 121-180 months credit history
Home Equity Lines of Credit 6 year draw, 180 months Variable Rate,
Index = Prime
Mobile Home Loans 60 months 13.50%

all rates APR

Specialty Loans

TypeAPR*
VISA Credit Card 10.95%
Share Secured 4.00%
Overdraft Protection 13.00%
Share Certificate Secured +2.00% over certificate rate,
rounded up to the nearest .5%
HEALTH-E CLUB LOAN SPECIAL
Secured and Unsecured Consumer Loans, All Terms .25% discount on regular rate

*APR - Annual Percentage Rate

Fee Schedule

Effective 07/01/2011Standard FeesHealth-E Club Fees
Share Account-Related Fees
Auto Transfer Fee/NSF $3.00 $3.00
Bad Address Fee $10.00 after 3
statement cycles
$10.00 after 3
statement cycles
Check Cashing Fee
(Low Balance Accts)
$5.00 $5.00
Check Copy $6.00 $3.00
Courtesy Pay Fee $25.00 $25.00
Dormant Account Fee $10.00/Quarter $10.00/Quarter
Escheat Fee/Dormant Accounts $50.00 $50.00
NSF Fee $25.00 $25.00
Research Fee $25.00/hour $25.00/hour
Return Deposited Item Fee $5.00 $4.00
Statement Copy $6.00/Month $3.00/Month
Stop Payment Fee $20.00 $20.00
Temporary Checks $7.00/12 checks $5.00/12 checks
Loan-Related Fees
HELOC Loan Application Fee $100.00 $100.00
Loan Application Fee/Online FREE FREE
Loan Application Fee/Paper $25.00 $25.00
Real Estate Loan Origination Fee 1% of Loan Value 1% of Loan Value
Product Fees
ATM/Debit Lost Cards $10.00 $10.00
Coin Counting/Processing Fee Industry Standard FREE
Early Account Close Fee $10.00 if closed within 3 months of
opening account
Fax $.25 local
$.50 long distance
FREE
IRA Close & Transfer to
another institution
$25.00 $25.00
Notary Service FREE FREE
OnLine BillPay Classic $3.95 FREE
OnLine BillPay Plus $4.95 $4.95
Photocopies $.25/page FREE
Teller Checks $1.50 FREE
VISA Gift Cards $1.95 + gift amount $1.95 + gift amount
VISA Lost Cards $10.00 $10.00
VISA Return Payment $25.00 $25.00
VISA Sales Draft Copy $6.00 $6.00
VISA Statement Copy $5.00 $5.00
Wire Transfers - Incoming $5.00 FREE
Wire Transfers - Outgoing $10.00 $7.50

Account Access

Having trouble with online banking?

NOTE : If you don't know your Account Number / Password or to sign up for this service please contact an Account Service Representative.

BEWARE of Smishing. Scam artists are sending text messages pretending to be financial institutions. They ask for you to call and give them your debit card number and PIN. With this information, they can access your accounts. Please remember that Montana Health FCU would never ask you to give us information like this over the phone. DO NOT give anyone your card number and PIN.

Health-E Club

Join the Health-E Club to take advantage of a variety of member benefits.


Still Need Help? Call (406) 259-2000

Frequently Asked Questions

3100 2nd Ave N. Billings, Montana
59101 - PO Box 2376 59103-2376
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