115 N. Main St. Suite C
Baker, Montana 59313
406-778-2920
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Rates

Share/Savings Accounts
Share Accounts

The following language is used on your statements, These numbers or letters will be a suffix to your account number.

RG- Stands for your regular savings account suffix.  Concerning Dividends, APY stands for Annual Percentage Yield, while the APR is the Annual Percentage Rate you earn.

01-Would be if you had sub accounts suffix, and so with each subaccount the numbers go on up, the second sub account would be your account number with a -02 at the suffix.

10-is you Share Draft Checking account suffix, your account number is followed by -10

101-would be your share certificates (CD) numbers, and likewise they go on up, next would be 102 and so on.


Savings .30% Div. Rate .30% APY *
    $25 Minimum $250000 Maximum On Balances with $100.00 & more
Sub accounts .30% Div. Rate .30% APY *
    $0 Minimum $250000 Maximum created for vacations/taxes/xmas/health
for children age 0-5 .30% Div. Rate 30% APY *
    $5 Minimum $100000 Maximum Only need $5.00 to open an account
for children age 6-12 .30% Div. Rate .30% APY *
    $10 Minimum $250000 Maximum Only need $10.00 to open an account
for children age 13-17 .30% Div. Rate .30% APY *
    $15 Minimum $250000 Maximum Only need $15.00 to open an account
18 years and older .30% Div. Rate .30% APY *
    $25 Minimum $250000 Maximum Need $25.00 to open an account
Share Certificate Accounts

Certificates (CD’s) Div. Rate APY *
    Call for current rates and terms
Share Draft Accounts

Checking 0 Div. Rate 0 APY *
Loan Accounts

These are the codes used to separate your loans

Account Number with a suffix of A, would be your first loan.  All loans are followed by a letter.  Loans have APR or the Annual Percentage Rate that you pay.  You can have as many different loans as you wish, but limits do apply.

Miscellaneous Loans 5.5% – 10.5% APR To those with qualifying credit scores
  Loans to fit your needs
Share-Secured Loans

Loan against funds deposited 5.0% APR Up to 90% of your investment,you pick payment.
  Monies are released as Loan decreases
Fresh Start Loans 11.5% APR 6-12 months , to help you regain your credit
  $500 Minimum $5000 Maximum payments automatically made
Vehicle Loans

New to 2 years Old 5.0% – 7.5% APR 72 Months, within NADA guidelines
  To those that qualify
3-6 years old 5.0% – 7.5% APR 60 Months, within NADA guidelines
  To those that qualify
7-10 years old 5.0% – 7.5% APR 48 months, within NADA guidelines
  To those that qualify

Recreational Vehicle Loans

Motorhomes/campers/boats/etc. 5.0% – 7.5% APR 72 months within new to 2 years old
  To those that qualify
Motorcycle Loans

Harley Davidson only 5.0% – 7.5% APR 72 months, 80% of Retail price, new to 2 yrs old
  To those who qualify

Personal Loans

Loans without collateral 5.5% – 10.5% APR 12 Months, with established credit with FCFCU
  $100 Minimum $1000 Maximum To those that qualify
Fees & Disclosures
Cashier Checks 2.00
Deposit Account Fees

Overdraft fees $15.00
Overdraw protection from Savings $2.00 per check transfer fee
Loan Account Fees

Loan applications $25.00
Late Fees 10% of payment, but not less than $10.00
Miscellaneous Fees

Money Orders $1.00 per thousand
Certified Check fees $2.00
Replacement ATM/Debit Cards $10.00
Replacement PIN $10.00
Rush Orders on ATM/Debit Cards $25.00
Western Union 25.00
Wires 25.00
International Wires/Western Union 35.00

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