We Can Help You Save

Saving money is an important and sometimes difficult part of how we manage our finances. We offer valuable savings and budgeting education to our members to make your savings work smarter for you. Together we can save for your tomorrow.

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Your savings options:

Basic Share – With an initial deposit of $5 you become a MFCU member and can continue building your savings from here.

V.I.P. Share – If you have regular annual purchases (holiday gifts, back-to-school, home improvement), you can save and earn higher dividends on your balance. You select the date for the funds to transfer into you Basic Share account when you are ready to access them.

Term Share Certificate – MFCU offers short-term (6-month) and long-term (5 years) options so you can earn more dividends while making sure you don’t spend your savings during the certificate term.

SmartSaver Youth Certificate
Now is the time to jumpstart your child’s savings account while also instilling smart money management behavior. MFCU’s SmartSaver Certificate makes saving easy, with a minimum balance of just $100 and a 5.00% Annual Percentage Yield (APY). Click here to learn more.

Money Market Share – Earn even higher dividends when you maintain this higher balance account, but enjoy the ability to access funds when you need them.

Individual Development Account (IDA)

An Individual Development Account is a special matched savings account for low-income individuals.  An IDA is intended to help families and individuals of modest means establish a pattern of regular saving and ultimately invest in an asset like the down payment on a home, tuition or funding to start a small business. MFCU is proud to partner with Missoula Workforce and Montana Credit Unions for Community Development.  For more information about how you can apply, please contact MFCU.

Access cash from your savings account anywhere.

Your MFCU debit card or ATM card can access your saving account from MFCU and partnering Co-op ATMs without a fee for qualifying savings accounts like your Basic Share savings. You should be able to access funds from any ATM, but transaction fees may apply.

Your funds are backed by NCUA.

Missoula Federal Credit Union is insured up to $250,000.00 per account by NCUA, but we do not currently offer Certificate of Deposit Account Registry Service. Our Term Share Certificates (similar to CD’s) are also covered under the NCUSIF (National Credit Union Share Insurance Fund) through the NCUA, which is backed by the full faith and credit of the United States government, not using taxpayer funds.