Savings - Altana Federal Credit Union

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We're excited to have our lobbies reopened

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Kids and Teens

Let them explore the world of money.

Cubby Club for kids 0-11 and fyi for teens 12-18.

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Money Market

Earn more without sacrificing accessibility.

Tiered rates for your money.

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Metro Savings

Ultimate rewards as you build your savings.

Earn a lot
even on a little.

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WealthBuilder

A personal trainer for your savings account.

Provides the needed discipline to build savings

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Wincentive®

Save for a chance to win cash drawings!

Monthly, quarterly & yearly cash prize drawings!

Learn more! Contact us to open

Want some help?

Schedule an appointment to talk about your saving goals.

Kids & Teens

We’ve got an account for you.

Read all about it!

We’re confident with their staff

We have been with Altana since 1994 and could not be more pleased and confident with all their staff. We had been banking with other national banks but only when we moved our finances to Altana did we find the home town business we were looking for. The variety of innovative products are just as good, or better, than the national brands. It’s difficult to try and describe all the reasons we are members of Altana because there are so many. The personal service is top of the list. When financial difficulties come, they are always ready to help us through the tough times. I know that we are not just another account or client. We are people who have real lives, dreams and ideas and every one of their staff have made us feel like family.

Roy & Kari Brown

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How to Qualify

Qualifying for rewards is easy!

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:

At least 12 debit card purchases
Be enrolled in and log into online banking
At least 1 bill pay or ACH payment transaction

That’s it! Even if you don’t qualify one month, your account is still free — and you can get right back to earning cash rewards the very next month.

Savings Rates

Rates Effective as of: 04-23-2021

Savings Rates

Account Type

Rate*

APY*

Metro Savings (ADB Under $10,000)

.25%

0.25%

Metro Savings ($10,001+)

.03%

0.03%

Sam Money Market (ADB under $25,000)

.03%

.03%

Sam Money Market ($25,000 - $49,999.99)

.10%

0.10%

Sam Money Market ($50,000 - $74,999.99)

.15%

0.15%

Sam Money Market ($75,000 - $99,999.99)

.20%

0.20%

Sam Money Market ($100,000+)

.25%

.25%

Max Money Market (ADB under $99,999.99)

.03%

.03%

Max Money Market ($100,000 - $249,999.99)

.25%

.25%

Max Money Market ($250,000+)

.349%

.35%

Wincentive Savings

.03%

.03%

Coverdell, Traditional & Roth IRA Shares (ADB under $10,000)

.05%

.05%

Coverdell, Traditional & Roth IRA Shares ($10,000 - $24,999)

.10%

.10%

Coverdell, Traditional & Roth IRA Shares ($25,000 - $49,999)

.15%

.15%

Coverdell, Traditional & Roth IRA Shares ($50,000 - $99,999)

. 20%

.20%

Coverdell, Traditional & Roth IRA Shares ($100,000+)

.25%

.25%

Wealth Builder Savings Account (up to $10,000)

.25%

.25%

Wealth Builder Plus Savings Account ($2,500 - $19,999)

.25%

.25%

Money Market Account ($10,000 - $19,999)

.03%

.03%

Money Market Account ($20,000 - $29,999)

.03%

.03%

Money Market Account ($30,000 - $49,999)

.03%

.03%

Money Market Account ($50,000 - $74,999)

.05%

.05%

Money Market Account ($75,000 - $99,999)

.08%

.08%

Money Market Account ($100,000+)

.10%

.10%

Premier Money Market Account (Up to $10,000)

.03%

.03%

Premier Money Market Account ($10,000 - $24,999)

.05%

.05%

Premier Money Market Account ($25,000 - $49,999)

.05%

.05%

Premier Money Market Account ($50,000 - $99,999)

.10%

.10%

Premier Money Market Account ($100,000+)

.10%

.10%

Secure Checking ($2,500 - $10,000)

.05%

.05%

Secure 55+ Checking (ADB $2,500)

.05%

.05%

Christmas Club (up to $5,000; ADB >$5,000 earns 0.000%)

.25%

.25%

To ensure you have the most current rates, please use your browser’s refresh button to update this page. APY = Annual Percentage Yield & APR = Annual Percentage Rate
To ensure you have the most current rates, please use your browser’s refresh button to update this page. Rates subject to change without notice. Some restrictions may apply, please contact Altana Federal Credit Union. To earn the stated Annual Percentage Yield, a minimum balance must be maintained daily. Dividends will be calculated daily, compounded and credited to your account monthly. Ask for details and restrictions. Transaction limitations may apply. Internet access may be unavailable. A penalty may be imposed for early withdrawal or closing.

Certificate Rates

Rates Effective as of: 04-23-2021

Certificate Rates

Type

Minimum

Rate*

APY*

Cubby/fyi Certificates 6 Months

$100

.15%

.15%

Cubby/fyi Certificates 12 Months

$100

.20%

.20%

6 Month Certificates

$500 - $9,999

.15%

.15%

6 Month Certificates

$10,000 - $24,999

.15%

.15%

6 Month Certificates

$25,000 - $49,999

.20%

.20%

6 Month Certificates

$50,000 - $99,999

.25%

.25%

6 Month Certificates

$100,000+

.30%

.30%

12 Month Certificates

$500 - $9,999

.20%

.20%

12 Month Certificates

$10,000 - $24,999

.20%

.20%

12 Month Certificates

$25,000 - $49,999

.25%

.25%

12 Month Certificates

$50,000 - $99,999

.349%

.35%

12 Month Certificates

$100,000+

.399%

.40%

18 Month Certificates

$500 - $9,999

.25%

.25%

18 Month Certificates

$10,000 - $24,999

.25%

.25%

18 Month Certificates

$25,000 - $49,999

.30%

.30%

18 Month Certificates

$50,000 - $99,999

.399.%

.40%

18 Month Certificates

$100,000+

.449%

.45%

24 Month Certificates

$500 - $9,999

.25%

.25%

24 Month Certificates

$10,000 - $24,999

.25%

.25%

24 Month Certificates

$25,000 - $49,999

.349%

.35%

24 Month Certificates

$50,000 - $99,999

.449%

.45%

24 Month Certificates

$100,000+

.499%

.50%

36 Month Certificates

$500 - $9,999

.25%

.25%

36 Months Certificates

$10,000 - $24,999

.30%

.30%

36 Month Certificates

$25,000 - $49,999

.399%

.40%

36 Month Certificates

$50,000 - $99,999

.499%

.50%

36 Month Certificates

$100,000+

.598%

.60%

60 Month Certificates

$500 - $9,999

.30%

.30%

60 Month Certificates

$10,000 - $24,999

.399%

.40%

60 Month Certificates

$25,000 - $49,999

.499%

.50%

60 Month Certificates

$50,000 - $99,999

.598%

.60%

60 Month Certificates

$100,000+

.698%

.70%

IRA 12 Month Certificates

$500 - $9,999

.20%

.20%

IRA 12 Month Certificates

$10,000 - $49,999

.25%

.25%

IRA 12 Month Certificates

$50,000 - $99,999

.349%

.35%

IRA 12 Month Certificates

$100,000+

.399%

.40%

IRA 24 Month Certificates

$500 - $9,999

.30%

.30%

IRA 24 Month Certificates

$10,000 - $49,999

.349%

.35%

IRA 24 Month Certificates

$50,000 - $99,999

.449%

.45%

IRA 24 Month Certificates

$100,000+

.499%

.50%

IRA 36 Month Certificates

$500 - $9,999

.349%

.35%

IRA 36 Month Certificates

$10,000 - $49,999

.449%

.45%

IRA 36 Month Certificates

$50,000 - $99,999

.499%

.50%

IRA 36 Months Certificates

$100,000+

.598%

.60%

IRA 60 Month Certificates

$500 - $9,999

.399%

.40%

IRA 60 Month Certificates

$10,000 - $49,999

.499%

.50%

IRA 60 Month Certificates

$50,000 - $99,999

.598%

.60%

IRA 60 Month Certificates

$100,000+

.698%

.70%

Coverdell Education Savings Certificate 12 Months

$100

.10%

.10%

Coverdell Education Savings Certificate 24 Months

$100

.25%

.25%

Coverdell Education Savings Certificate 60 Months

$100

.30%

.30%

To ensure you have the most current rates, please use your browser's refresh button to update this page. Rate = Annual Percentage Yield & APR = Annual Percentage Rate. Rates subject to change without notice. Some restrictions may apply, please contact Altana Federal Credit Union.

Vehicle Loan Rates

Rates Effective as of: 04-23-2021

Vehicle Loans

Type

Maximum Terms

APR*

New (2018 - 2022)

84 months

As low as 2.99% for 60 mos.

Used (2014 - 2017)

72 months

As low as 3.49% for 60 mos.

Older (2013 or older)

60 months

As low as 4.49% for 60 mos.

To ensure you have the most current rates, please use your browser’s refresh button to update this page. APR = Annual Percentage Rate. Rates effective as stated above. Rates are subject to change without notice. Rates determined on approved credit. The terms of repayment for a loan at a 6.55% interest rate would be $30.68 per $1,000 borrowed.

Rates Effective as of: 04-23-2021

Recreational Vehicle Loans

Type

Maximum Terms

APR*

New (2015 - 2022)

180 months

As low as 4.99% for 60 mos.

Older (2014 or older)

120 months

As low as 5.99% for 60 mos.

To ensure you have the most current rates, please use your browser’s refresh button to update this page. APR = Annual Percentage Rate. Rates effective as stated above. Rates are subject to change without notice. Rates determined on approved credit. The terms of repayment for a loan at a 6.55% interest rate would be $30.68 per $1,000 borrowed.

Rates Effective as of: 04-23-2021

Boat/Motor/Motorcycle/Trailer Loans

Type

Maximum Terms

APR*

New (2015 - 2022)

180 months

As low as 4.74% for 60 mos.

Used (2014 or Older)

120 months

As low as 5.74% for 60 mos.

To ensure you have the most current rates, please use your browser’s refresh button to update this page. APR = Annual Percentage Rate. Rates effective as stated above. Rates are subject to change without notice. Rates determined on approved credit. The terms of repayment for a loan at a 6.55% interest rate would be $30.68 per $1,000 borrowed.

Rates Effective as of: 04-23-2021

Mobile Home Loans

Type

Maximum Terms

APR*

New (2014 - 2022)

180 months

As low as 7.50% for 84 mos.

Used (2013 or Older)

84 months

As low as 7.50% for 84 mos.

To ensure you have the most current rates, please use your browser’s refresh button to update this page. APR = Annual Percentage Rate. Rates effective as stated above. Rates are subject to change without notice. Rates determined on approved credit. The terms of repayment for a loan at a 6.55% interest rate would be $30.68 per $1,000 borrowed. *** To ensure you have the most current rates, please use your browser’s refresh button to update this page.

Home Equity Rates

Rates Effective as of: 04-23-2021

Mortgage Loans

Type

Maximum Terms

APR*

Home Equity Line of Credit -Variable

180 months

As low as 2.50%

In-House Mortgage and Secondary Market Programs Available

Various

Call now for current market rates

Home Equity - Fixed

60 months

As low as 4.25%

Home Equity - Fixed

120 months

As low as 5.00%

Home Equity - Fixed

180 months

As low as 5.75%

Construction Loan

12 months

As low as 5.50%

5/5/5 ARM

5/15 variable

As low as 2.59%

10 Year Fixed - Fully Amortizing

120 months

As low as 2.84%

To ensure you have the most current rates, please use your browser’s refresh button to update this page. * APR = Annual Percentage Rate. Rates effective as stated above. Rates are subject to change without notice. Rates determined on approved credit. The terms of repayment for a loan at a 6.55% interest rate would be $30.68 per $1,000 borrowed. Real estate loans are available on Montana residences only. HELOC Rates – Rate may change after the account is opened. APR will vary at Prime Rate as published in the Wall Street Journal. APR will not exceed 18.00%. The minimum credit limit is $5,000, the maximum is $150,000. The minimum payment is 1% of the outstanding balance at the last advance with a minimum of $50. A processing fee of $400 applies to cover closing costs. There are no fees for advances.

Lifestyle Loan Rates

Rates Effective as of: 04-23-2021

Personal Loans

Maximum Terms

APR*

60 months

As low as 8.49% to 16.00%

To ensure you have the most current rates, please use your browser’s refresh button to update this page. APR = Annual Percentage Rate. Rates effective as stated above. Rates are subject to change without notice. Rates determined on approved credit. The terms of repayment for a loan at a 6.55% interest rate would be $30.68 per $1,000 borrowed.

Rates Effective as of: 04-23-2021

Share Secured Loans

Type

Maximum Terms

APR*

Regular Shares

144 months

2.50%

Share Certificates

Term cannot exceed the term of the certificate.

2.00% above certificate rate, rounded up to nearest .25%

To ensure you have the most current rates, please use your browser’s refresh button to update this page. APR = Annual Percentage Rate. Rates effective as stated above. Rates are subject to change without notice. Rates determined on approved credit. The terms of repayment for a loan at a 6.55% interest rate would be $30.68 per $1,000 borrowed.

MEMBER’S CHOICE Borrower Security

MEMBER’S CHOICE™ Borrower Security

Life events can cause financial hardship, making bill-paying difficult. You don’t want delinquent payments and defaulted loans to cause you to lose your assets, negatively impact your credit rating, or cause financial distress for your family.

MEMBER’S CHOICE™ Borrower Security is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. And, simple eligibility requirements ease the enrollment process.

If a protected life event happens to you (and you’re a protected borrower or co-borrower on the loan), Altana Federal Credit Union will cancel or reduce repayment of your loan debt – helping to lessen your worries, and your family’s worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

• Loss of life, including those caused by acts of war
• Disability, including those caused by acts of war
• Involuntary unemployment

Join Us

Enjoy all of our products and services by joining Altana Federal Credit Union. To be eligible for membership you must live, work, worship or attend school in, or have a business located in the counties of Yellowstone, Carbon, Stillwater, Sweet Grass, Wheatland, Golden Valley or Musselshell. An original membership application will be sent to you. We will contact you to complete the application process.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What does this means for you? When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.