Save for the Long Term
Long term and retirement savings



A Certificate usually pays more dividends for longer terms, and higher dollar amounts, which allows you to earn more for your money and they are as safe as the gold in Ft Knox. Keep in mind, if you want access to funds, this is not the account for you. You will forfeit much of your earnings to get the funds


•  Terms vary from 6 months to 5 years
•  Earned dividends can be transferred to savings or checking or added to certificate balance
•  Minimum balance is $500


Certificate Rates




Keys to savings success:


Funds are federally insured by NCUA (under your mattress is not)


Put your savings on automatic pilot (machines don't need excuses)


Go online to watch your savings grow (it's quicker than you think)


Develop the discipline to leave it alone (we can help with that)



Someday, you’ll get to retire. Today is not likely that day. Today is the day you should think about opening an IRA for retirement. Because the sooner you take this simple step, the sooner retirement day can come.


•  Available as Traditional, Roth or Coverdell Education, depending upon your needs
•  Traditional IRA gives a tax deduction for the year the contribution is made
•  Roth allows withdrawals tax-free at retirement
•  A monthly fee applies if your IRA balance drops below $100
•  Catch-up contributions allowed for 50+


 Meet Savings Rates

Tools to watch yours savings grow:


View balances anytime


Never be far from your money

Valic Financial Advisors


Altana Federal Credit Union has partnered with VALIC Financial Advisors, Inc., to make various investment and insurance programs available to our members. VALIC has more than half a century of experience helping Americans plan for and enjoy a secure retirement. They provide real solutions for real lives by consistently offering products and services that are innovative, simple to understand and easy to use.


•  Asset Allocation
•  Brokerage/Cash Management Accounts
•  Disability Insurance
•  Financial Planning
•  Fixed And Variable Annuities
•  Insurance Planning
•  Investment Planning
•  Disability Insurance
•  Life Insurance
•  Long-Term Care Insurance
•  Mutual Funds
•  Retirement Planning
•  Employee retirement plans for small businesses


For more information about VALIC, visit the VALIC web site:



If you would like to speak to a financial advisor, please contact:

Ferd Duchesneau 406-690-4284 or email

Jim Borer 406-867-3139 or email



Securities and investment advisory services are offered by VALIC Financial Advisors, Inc., member FINRA and an SEC-registered investment advisor.

Securities are not NCUA insured, are not obligations of, or guaranteed by the credit union or its affiliate, and may lose value including the principal amount invested. Neither VALIC nor its financial advisors or other representatives give legal or tax advice. Applicable laws and regulations are complex and subject to change. Any tax statements in this material are not intended to suggest the avoidance of U.S. federal, state, or local tax penalties. For legal or tax advice concerning your situation, consult your attorney or professional tax advisor.


VALIC represents The Variable Annuity Life Insurance Company and its subsidiaries VALIC Financial Advisors, Inc. and VALIC Retirement Services Company.

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Some links on this page lead to third-party websites, whose content is not under the control of Altana FCU