We're excited to bring a fresh new look to www.mtedcu.org! Our new website offers all the same resources that you’re used to, along with some new improvements. Explore the site to discover new features, engaging content, and valuable resources tailored just for our members. We look forward to sharing this new adventure with you!
| Balance | Rate | APY |
|---|---|---|
| $0-$10,000 | 3.93% | 4.00% |
| $10,000+ | 0.25% | 4.00% to 0.59% |
| All balances if qualifications are not met | 0.05% | 0.05% |
Qualifications
It's so easy to qualify, you're probably already doing it. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
At least 12 debit card purchases
Be enrolled in and agree to receive e-statements
Be enrolled in and log into online banking
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash® account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month.
| Balance | Rate | APY |
|---|---|---|
| $0-$10,000 | 1.49% | 1.50% |
| $10,000+ | 0.10% | 1.50% to 0.38% |
| All balances if qualifications are not met | 0.05% | 0.05% |
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too.
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
At least 12 debit card purchases
Be enrolled in and agree to receive e-statements
Be enrolled in and log into online banking
That's it. Even if you don't meet your qualifications during the cycle, your Kasasa® accounts are still free. Plus, you'll still earn our base interest rate on Kasasa Saver. And you can get right back to earning your full rewards the very next month.
| Account | Minimum Balance | APY |
|---|---|---|
| Regular Shares (Regular Savings) | $5 | 0.05% |
| Share draft account | Interest on balance > $1,000 | 0.01% |
| Montana Medical Savings | $35 | 0.05% |
| Club Accounts | $0-$1,000 | 0.50% |
| >$1,000 | 0.05% |
| Balance | APY |
|---|---|
| $0-$9,999 | 0.50% |
| $10,000-$24,999 | 0.50% |
| $25,000-$49,999 | 0.75% |
| $50,000-$99,999 | 1.00% |
| $100,000+ | 1.25% |
$5,000 minimum deposit
| Term | APY |
|---|---|
| 6 months | 4.75% |
| 1 year | 4.50% |
| 2 years | 3.75% |
| 6 months** | 5.25%** |
| 1 year** | 5.00%** |
$1,000 minimum deposit. Penalty for early withdrawal.
*$10,000 minimum of promotional certificates. New money to the credit union only. Available for a limited time only.
**$100,000 minimum deposit. Penalty for early withdrawal.
| Loan | APR |
|---|---|
| Vehicles 2017 and newer | Rates as low as 7.00% APR |
| Vehicles 2016 and older | Rates as low as 8.25% APR |
| RV’s and Boats 2017 and newer | Rates as low as 8.50% APR |
| RV’s and Boats 2016 and older | Rates as low as 9.75% APR |
| Off Road Vehicles 2017 and newer | Rates as low as 8.00% APR |
| Mobile Homes 1976 and newer | Rates as low as 8.50% APR |
| Signature Loans | Rates as low as 10.00% APR |
| Overdraft Protection LOC | Rates as low as 12.00% APR |
| Visa Credit Card | Rates as low as 7.90% APR |
| Home Loans | Call or text us at 406-728-1034 for the latest rates |
| Home Equity Loans | Rates as low as 8.00% APR |
| Share & Money Market Secure Loans | 3.00% APR |
| Certificate Secured Loans | Certificate APY plus 3.00% |
All loans are subject to approval. Rates, terms and conditions are subject to change without notice and may vary based on creditworthiness, qualifications and collateral conditions. Rates effective as of January 25, 2024.