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Grow your savings balances by opening a certificate today! Breathe easy knowing the rate doesn’t fluctuate (like that temperamental stock market!), and your money is safe and secure and insured up to $250,000 by NCUA. Use the calculator below to estimate your gains! 🙂

4.19% apy*
$500 min
11 mos.

*apy = annual percentage yield. Limited time offer. Accurate as of 10/1/2024. Early withdrawal penalties apply.

Earn at least $1,342

in 11 months with a 4.19% APY Certificate and a $35,000 deposit**

To get an estimate, only enter the amount of your certificate. For an actual personalized summary of your earnings, please see an Altana expert.

Final Balance

Contributions: | Earnings:

Amount of Certificate:

$

Rate:

%

Monthly Contribution

$

Term (months):

Important information: Information and interactive calculators are made available to use as self help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

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How to Qualify

Qualifying for xtra cash and bonuses is easy!

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

At least 10 debit card purchases (must post and settle)
Be enrolled in and log into online banking (mobile too!) at least once a month
At least 1 bill pay or automatic 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 xtras the very next month.

Savings Rates

Rates Effective as of: 10-14-2024

Savings Rates

Account Type

Rate*

APY*

Metro Savings (ADB Under $10,000)

1.045%

1.05%

Metro Savings ($10,001+)

.03%

0.03%

Sam Money Market (ADB under $25,000)

.03%

.03%

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

2.227%

2.25%

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

2.716%

2.75%

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

3.203%

3.25%

Sam Money Market ($100,000+)

3.687%

3.75%

Max Money Market (ADB under $99,999.99)

.03%

.03%

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

3.687%

3.75%

Max Money Market ($250,000+)

3.928%

4.00%

ACE Money Market (ADB under $250,000)

0.499%

0.50%

ACE Money Market ($250,000+)

4.208%

4.29%

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)

1.045%

1.05%

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

1.045%

1.05%

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: 10-14-2024

Certificate Rates

Type

Minimum

Rate*

APY*

Cubby/fyi Certificates 6 Months

$100

1.045%

1.05%

Cubby/fyi Certificates 12 Months

$100

1.144%

1.15%

6 Month Certificates

$500 - $9,999

1.045%

1.05%

6 Month Certificates

$10,000 - $24,999

1.094%

1.10%

6 Month Certificates

$25,000 - $49,999

1.144%

1.15%

6 Month Certificates

$50,000 - $99,999

1.243%

1.25%

6 Month Certificates

$100,000+

1.342%

1.35%

12 Month Certificates

$500 - $9,999

1.342%

1.35%

12 Month Certificates

$10,000 - $24,999

1.440%

1.45%

12 Month Certificates

$25,000 - $49,999

1.539%

1.55%

12 Month Certificates

$50,000 - $99,999

1.687%

1.70%

12 Month Certificates

$100,000+

1.785%

1.80%

18 Month Certificates

$500 - $9,999

1.638%

1.65%

18 Month Certificates

$10,000 - $24,999

1.736%

1.75%

18 Month Certificates

$25,000 - $49,999

1.834%

1.85%

18 Month Certificates

$50,000 - $99,999

1.982%

2.00%

18 Month Certificates

$100,000+

2.080%

2.10%

24 Month Certificates

$500 - $9,999

1.736%

1.75%

24 Month Certificates

$10,000 - $24,999

1.884%

1.90%

24 Month Certificates

$25,000 - $49,999

2.031%

2.05%

24 Month Certificates

$50,000 - $99,999

2.178%

2.20%

24 Month Certificates

$100,000+

2.276%

2.30%

36 Month Certificates

$500 - $9,999

1.785%

1.80%

36 Months Certificates

$10,000 - $24,999

1.933%

1.95%

36 Month Certificates

$25,000 - $49,999

2.080%

2.10%

36 Month Certificates

$50,000 - $99,999

2.227%

2.25%

36 Month Certificates

$100,000+

2.374%

2.40%

60 Month Certificates

$500 - $9,999

1.785%

1.80%

60 Month Certificates

$10,000 - $24,999

2.080%

2.10%

60 Month Certificates

$25,000 - $49,999

2.227%

2.25%

60 Month Certificates

$50,000 - $99,999

2.374%

2.40%

60 Month Certificates

$100,000+

2.570%

2.60%

IRA 12 Month Certificates

$500 - $9,999

1.342%

1.35%

IRA 12 Month Certificates

$10,000 - $49,999

1.539%

1.55%

IRA 12 Month Certificates

$50,000 - $99,999

1.687%

1.70%

IRA 12 Month Certificates

$100,000+

1.785%

1.80%

IRA 24 Month Certificates

$500 - $9,999

1.736%

1.75%

IRA 24 Month Certificates

$10,000 - $49,999

2.031%

2.05%

IRA 24 Month Certificates

$50,000 - $99,999

2.178%

2.20%

IRA 24 Month Certificates

$100,000+

2.276%

2.30%

IRA 36 Month Certificates

$500 - $9,999

1.785%

1.80%

IRA 36 Month Certificates

$10,000 - $49,999

2.080%

2.10%

IRA 36 Month Certificates

$50,000 - $99,999

2.227%

2.25%

IRA 36 Months Certificates

$100,000+

2.374%

2.40%

IRA 60 Month Certificates

$500 - $9,999

1.785%

1.80%

IRA 60 Month Certificates

$10,000 - $49,999

2.227%

2.25%

IRA 60 Month Certificates

$50,000 - $99,999

2.374%

2.40%

IRA 60 Month Certificates

$100,000+

2.570%

2.60%

Coverdell Education Savings Certificate 12 Months

$100

1.144%

1.15%

Coverdell Education Savings Certificate 24 Months

$100

1.736%

1.75%

Coverdell Education Savings Certificate 60 Months

$100

1.785%

1.80%

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: 10-14-2024

Vehicle Loans

Type

Maximum Terms

APR*

New (2021 - 2025)

84 months

As low as 6.74% for 60 mos.

Used (2017 - 2020)

72 months

As low as 6.99% for 60 mos.

Older (2016 or older)

60 months

As low as 8.24% 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: 10-14-2024

Recreational Vehicle Loans

Type

Maximum Terms

APR*

New (2018 - 2025)

180 months

As low as 8.24% for 60 mos.

Older (2017 or older)

120 months

As low as 9.24% 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: 10-14-2024

Boat/Motor/Trailer Loans

Type

Maximum Terms

APR*

New (2018 - 2025)

180 months

As low as 8.24% for 60 mos.

Used (2017 or Older)

120 months

As low as 9.24% 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: 10-14-2024

Mobile Home Loans

Type

Maximum Terms

APR*

New (2018 - 2025)

180 months

As low as 8.50% for 84 mos.

Used (2017 or Older)

84 months

As low as 8.50% 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: 10-14-2024

Mortgage Loans

Type

Maximum Terms

APR*

Home Equity Line of Credit - Variable

180 months

As low as 7.75%

In-House Mortgage and Secondary Market Programs Available

Various

Call now for current market rates

Home Equity - Fixed

60 months

As low as 5.75%

Home Equity - Fixed

120 months

As low as 6.50%

Home Equity - Fixed

180 months

As low as 7.25%

Construction Loan

12 months

As low as 7.00%

5/5/5 ARM - 1st Mortgage

5/15 variable

As low as 4.74%

10 Year Fixed - 1st Mortgage

120 months

As low as 4.99%

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: 10-14-2024

Personal Loans

Maximum Terms

APR*

60 months

As low as 9.99% 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: 10-14-2024

Share Secured Loans

Type

Maximum Terms

APR*

Regular Shares

144 months

3.00%

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.