Fallon County Federal Credit Union  




Share/Savings Accounts
 
Share Accounts
 

The following language is used on your statements, These numbers or letters will be a suffix to your account number.

RG- Stands for your regular savings account suffix.  Concerning Dividends, APY stands for Annual Percentage Yield, while the APR is the Annual Percentage Rate you earn.

01-Would be if you had sub accounts suffix, and so with each subaccount the numbers go on up, the second sub account would be your account number with a -02 at the suffix.

10-is you Share Draft Checking account suffix, your account number is followed by -10

101-would be your share certificates (CD) numbers, and likewise they go on up, next would be 102 and so on.

 
Savings.50% Div. Rate.51% APY *
    $25 Minimum $100000 Maximum On Balances with $100.00 & more
Sub accounts.50% Div. Rate.51% APY *
    $0 Minimum $100000 Maximum created for vacations/taxes/xmas/health
for children age 0-5.50% Div. Rate.51% APY *
    $5 Minimum $100000 Maximum Only need $5.00 to open an account
for children age 6-12.50% Div. Rate.51% APY *
    $10 Minimum $100000 Maximum Only need $10.00 to open an account
for children age 13-17.50% Div. Rate.51% APY *
    $15 Minimum $100000 Maximum Only need $15.00 to open an account
18 years and older.50% Div. Rate.51% APY *
    $25 Minimum $100000 Maximum Need $25.00 to open an account
 
Share Certificate Accounts
Certificates (CD's) Div. Rate APY *
    Call for current rates and terms
 
Share Draft Accounts
Checking.50% Div. Rate.51% APY *
    $0 Minimum $100000 Maximum On Balances with $100.00 & more
Loan Accounts
 

These are the codes used to separate your loans

Account Number with a suffix of A, would be your first loan.  All loans are followed by a letter.  Loans have APR or the Annual Percentage Rate that you pay.  You can have as many different loans as you wish, but limits do apply. 

 
Miscellaneous Loans APRTo those with qualifying credit scores
  Loans to fit your needs
 
Share-Secured Loans
Loan against funds deposited APRUp to 90% of your investment,you pick payment.
  Monies are released as Loan decreases
Fresh Start Loans10 1/2% APR6-12 months , to help you regain your credit
  $500 Minimum $5000 Maximum payments automatically made
 
Vehicle Loans
New to 2 years Old APR72 Months, within NADA guidelines
  To those that qualify
3-6 years old APR60 Months, within NADA guidelines
  To those that qualify
7-10 years old APR48 months, within NADA guidelines
  To those that qualirfy
 
Home Equity Loans
Equity left for a 2nd. Loan8% APR120 months, FC Appraisal price used for limits
  $500 Minimum $15000 Maximum To Those that qualify
 
Recreational Vehicle Loans
Motorhomes/campers/boats APR72 months within new to 2 years old
  To those that qualify
 
Motorcycle Loans
Harley Davidson only APR72 months, 80% of Retail price, new to 2 yrs old
  To those who qualify
 
Mortgages
Refinance or 1st. Home Mortgage7.5% APR120 months, FC Appraisal price used for limits
  $500 Minimum $45000 Maximum To those that qualify
Secondary Market house loans APRUp to 30 years
  To those that qualify
 
Personal Loans
Loans without collateral APR12 Months, with established credit with FCFCU
  $100 Minimum $1000 Maximum To those that qualify
Fees & Disclosures
 
Deposit Account Fees
Overdraft fees$10.00
Negitive Balance fees$10.00
Overdrawal protection from Savings$2.00 per check transfer fee
 
Loan Account Fees
Loan applications$25.00
Late Fees10% of payment, but not less than $10.00
 
Miscellaneous Fees
Money Orders$1.00 per thousand
Certified Check fees$2.00
Wire Out Fees$10.00
Wire In Fees$10.00
  

   Fallon County Federal Credit Union


16 SEWALL AVE P.O. Box 1101
Baker, MT 59313  USA
Phone: 406-778-2920  Fax: 406-778-2905
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