Missoula Federal Credit Union

Savings Accounts

Basic Share:
Your ticket to membership in MFCU, and a good place to start saving.

V.I.P. Share:
A great way to save for annual purchases, such as holiday gifts, back-to-school shopping or home improvement projects. You choose the date the funds are transferred to your Basic Share account, and until then, we'll pay you a higher dividend rate.

Term Share Certificate:
Choose from short-term (6-month) to long-term (5 years) options. It's a perfect way to earn more dividends and make sure you don't squander your savings.

Money Market Share:
If you keep a higher balance but need to keep your funds liquid, this is a great savings tool for you.

IRA Share:
Save regularly now, and enjoy your retirement years! Choose from Roth or IRA accounts.

IRA Certificate:
A good way to earn higher dividends on your retirement savings.

Savings Rates45/30/2014
Type Deposit Amount Dividend Rate APY3
Basic Share1$5+0.05%0.05%
V.I.P. Share Savings1$5-2500 0.15% 0.15%
($250 max. dep/mo)6$2500+ 0.05%0.05%
Regular Money Market2$5-2499 50.05% 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 Savings0.10% 0.10%
(HSA) Health Savings Account (S23)To $4990.00%0.00%
Savvy Saver Program1Basic Share rates Basic Share rates
Financial Freedom Program1Basic Share rates Basic Share rates
MyMoney Program1Basic Share rates Basic Share rates
1$5 minimum balance
2$1,000 minimum balance
3Annual Percentage Yield
4Rates subject to change at the discretion of the Board of Directors.
5$5 quarterly fee if balance is below minimum
6Minimum 6 month term

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