Loan Products  |  Savings and Investment Products  |  Other Products

Whether you are in the market for a loan, or are looking to invest your money, Fort Peck Community Federal Credit Union can help you. We offer a wide variety of products to meet your financial needs.

LOAN PRODUCTS

New and Used Vehicles

We make your car buying experience a breeze!  Finance your new or used car, truck or van at your Credit Union.  We offer flexible financing terms and competitive rates.

Boat/Camper/Motor Home/Trailer

Contact the credit union to see how easy it is to purchase recreational equipment to suit your needs. We also have loan programs to purchase motorcycles, snowmobiles, ATVs, and personal watercraft.

Personal Loans

A personal loan can be used for just about anything. Whether you want to pay off your bills or buy some new furniture, we have a loan to suit your needs.

Share Secured Loans

You can pledge any amount of your share savings and borrow that amount for a minimal interest charge. As the loan principal is paid off, the pledged shares can be released.
 

Real Estate

Whether you are looking for a new home or want to improve upon a home you already own, we offer the loan product you need. Our loans have low closing costs and no prepayment penalties.  And your loan will always stay with us – we do not sell our loans on the secondary market.

SAVINGS AND INVESTMENT PRODUCTS

Share Savings

Every member must have a share savings account with a minimum balance of $25. This account earns monthly dividends based on the average daily balance. The dividend is declared monthly by the Board of Directors.

Savings sub-accounts may be set up to designate your savings for special items such as vacation or taxes. You receive a quarterly statement for your share savings account.

Share Draft (Checking)

The Share Draft account is the credit union's checking account. No minimum balance is required.  You can order checks through the credit union or elsewhere.

Your share draft account has overdraft protection which will automatically transfer the necessary funds (if available) from your share savings account to cover overdrafts. (There is a minimal charge for each transfer.) You receive a monthly statement for your share draft account.

Montana Medical Care Savings Account

This account allows Montana residents to save money for medical expenses and long-term health care. The money placed in this account (and the interest earned) is not subject to Montana state income tax if it is left in the account or used for medical expenses for the account holder or his/her dependents. If money is not used by the end of the year, it remains in the account and continues to earn tax-free interest. The maximum amount that can be used to reduce Montana taxable income is limited to $4,500 annually.

Share Certificates

Share Certificates are an excellent investment opportunity if you do not need immediate access to your funds and want to invest for longer periods to obtain high rates of return. We offer a variety of terms and rates to meet your investment needs.

IRAs

Start planning for your retirement today by opening an IRA account. With outstanding rates and funds that grow tax deferred year after year, an IRA account is an important part of your long-term savings portfolio. Dividends on IRAs are paid quarterly.

A Traditional IRA offers tax-deferred earnings and the possibility of tax-deductible contributions. A Roth IRA is funded by non-deductible contributions but gives owners the opportunity for tax-free withdrawals.

OTHER PRODUCTS

Debit/ATM Card

The Powerhouse Debit/ATM Card allows you to withdraw funds from your share draft account without ever having to write a check. You can make purchases at most places that accept credit cards and the purchase amount will be deducted from your share draft account. Plus, the Powerhouse Card performs all the functions of an ATM card.

Credit Life Insurance

Credit life insurance pays your loan off, up to the policy maximum, in the event of your death.  This ensures your family will not be left with your loan debt.  The premium for this service is added to your regular loan payments.

Credit Disability Insurance

In the event you become totally disabled by sickness or an accident, credit disability insurance pays your loan payments up to the policy maximum or the loan balance. The premium for this service is added to your regular loan payments.