Montana Health FCU

Current Rates

Dividend rates are in effect as of September 8, 2021.  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 available on approved credit. For current rates visit MHFCU or call us at 259-2000.

Share TypeMinimum BalanceDividend RateAPY*
Regular Shares$25.000.050%0.050%
Basic Share Draft$0.000.000%0.000%
Wealthcare Share Draft$0.000.200%0.200%
Christmas Club$5.000.150%0.150%
Vacation Club$5.000.150%0.150%
IRA Shares$5.000.100%0.100%
High Yield Shares$2500 – $19,999.990.350%0.351%
 $20,000 – $49,999.990.400%0.401%
 $50,000.00 – $99,999.990.450%0.451%
 $100,000.00  – $249,999.990.500%0.501%
 $250,000.00 +0.550%0.551%
Share CertificatesMinimum BalanceDividend RateAPY*
3 month$500.000.050%0.050%
3 month Youth & Teen CD$100.000.250%0.250%
6 month$500.000.050%0.050%
12 month$500.000.050%0.050%
18 month$500.000.050%0.050%
24 month$500.000.250%0.250%
30 month$500.000.200%0.200%
36 month$500.000.250%0.250%
48 month$500.000.300%0.300%
60 month$500.000.450%0.451%
Wealthcare Share CertificatesMinimum BalanceDividend RateAPY*
3 month$500.000.550%0.551%
6 month$500.000.550%0.551%
12 month$500.000.550%0.551%
18 month$500.000.550%0.551%
24 month$500.000.750%0.753%
30 month$500.000.700%0.702%
36 month$500.000.750%0.753%
48 month$500.000.800%0.803%
60 month$500.000.950%0.954%
IRA Shares & CertificatesMinimum BalanceDividend RateAPY*
Shares$5.000.100%0.100%
3 month$500.000.100%0.100%
6 month$500.000.100%0.100%
12 month$500.000.100%0.100%
18 month$500.000.100%0.100%
24 month$500.000.300%0.300%
30 month$500.000.250%0.250%
36 month$500.000.300%0.300%
48 month$500.000.350%0.351%
60 month$500.000.500%0.501%

Share Certificate Premiums and Penalties

  • WEALTHCARE MEMBERS enjoy a premium of .50% on all regular certificates of deposit.

Early Withdrawal Penalty:

  • 90 days interest on Certificates 12 months or less
  • 180 days interest on Certificates longer than 12 months