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.

Savings Rates

Account Type Deposit Amount Dividend Rate APY3
Basic Share7 $5+ 0.05% 0.05%
V.I.P. Share Savings7 $5-2500 0.15% 0.15%
($250 max. dep/mo)6 $2500+ 0.05% 0.05%
Regular Money Market $5-2499 5 0.05% 0.05%
($1000 Minimum) $2,500-9,999 0.05% 0.05%
$10,000-24,999 0.05% 0.05%
$25,000-49,999 0.05% 0.05%
$50,000-74,999 0.10% 0.10%
$75,000-99,999 0.10% 0.10%
$100,000+ 0.10% 0.10%
IRA Share Savings 0.10% 0.10%
(HSA) Health Savings Account (S23) To $499 0.00% 0.00%
$500-999 0.00% 0.00%
$1,000-4,999 0.05% 0.05%
$5,000 0.05% 0.05%
Savvy Saver Program7 Basic Share rates Basic Share rates
Financial Freedom Program7 Basic Share rates Basic Share rates
MyMoney Program7 Basic Share rates Basic Share rates

3APY = Annual Percentage Yield
5$5 quarterly fee if balance is below minimum
6Minimum 6 month term
7$5 Minimum Balance

All rates on this page subject to change at the discretion of the Board of Directors.

Certificate Rates

Account Type Term Dividend Rate APY3 Info
Regular Certificate4 6 months 0.05% 0.05% aprox .10 rate bump w/any active draft
12 months 0.05% 0.05% aprox .30 rate bump w/any active draft
24 month 0.10% 0.10% aprox .50 rate bump w/any active draft
60 month 1.00% 1.00% aprox .50 rate bump w/any active draft
84 month special8 1.49% 1.50% aprox .50 rate bump w/any active draft
IRA Certificates5 12 months 0.05% 0.05% aprox .20 rate bump w/any active draft
24 months 0.05% 0.05% aprox .45 rate bump w/any active draft
36 months 0.30% 0.30% aprox .50 rate bump w/any active draft
60 months 0.90% 0.90% aprox .50 rate bump w/any active draft
SmartSaver Certificate up to 18 years 4.89% 5.00 for children 0-18, education required, limit one per child

3APY = Annual Percentage Yield
4$500 Minimum Balance
5$5 quarterly fee if balance is below minimum
8Members will be allowed up to $250,000 in total Special Certificates.

All rates on this page subject to change at the discretion of the Board of Directors.

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.