Homestead Federal Credit Union  





Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.

NCUA
National Credit Union Administration, a U.S. Government Agency


Share/Savings Accounts
 
Club Accounts
Holiday Account.90 Div. Rate.90 APY *
    Funds disbursed November 1st
 
Share Accounts
Basic Shares.24 Div. Rate.25 APY *
    $25.00 up to $2000.00
Basic Shares.90 Div. Rate.92 APY *
    Balance over $2000.00
 
Share Certificate Accounts
Share Certificates Div. Rate APY *
    Call for current rates and terms
 
Share Draft Accounts
Share Draft/Checking0 Div. Rate0 APY *
 

RATES AND CONDITIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE.

1.   APY = ANNUAL PERCENTAGE YIELD.

2.   APR = ANNULA PERCENTAGE RATE.

3.   DIVIDENDS ARE CALCULATED ON THE AVERAGE DAILY BALANCE.

4.   NO DIVIDEND IS APPLIED TO ANY ACCOUNT CLOSED PRIOR TO THE POSTING DATE.

 

 

 
Loan Accounts
 
Vehicle Loans
New to 20065.49%-8.90% APRup to 72 months
  Rate is based on credit experience.
Used 1999-20056.90%-11.40% APRup to 72 months
  Rate is based on credit experience.
Used 1998 & older8.00%-13.40% APRup to 60 months
  Rate is based on credit experience.
 
Recreational Vehicle Loans
New to 20066.00%-9.40% APRup to 120 months
  Rate is based on credit experience.
Used 1999-20056.40%-11.40% APRup to 120 months
  Rate is based on credit experience.
Used 1998 & older8.00%-13.40% APRup to 72 months
  Rate is based on credit experience.
 
Credit Cards
VISA(R)Call us for rates! APRup to $10,000.00 limit
  Unsecured & secured
 
Personal Loans
Unsecured Open-end15.00% APR24 months
Unsecured Closed-end18.00% APR12 months
 
All loans subject to credit approval.  Rates may vary due to credit rating.
 
Fees & Disclosures
 
Deposit Account Fees
NSF/Account Negative Fee$20.00
Overdraft Protection Transfer Fee$3.00
Stop Payment Fee$25.00
Deposit Item Returned Fee$20.00
 
Loan Account Fees
Loan Application/Update Fee$18.00
Late Payment Fee$5.00 minimum to $50.00 maximum
Refinance Fee$35.00
 
Miscellaneous Fees
Wire Transfer Fee$20.00
Lost Credit/Debit Card Fee$25.00
  

   Homestead Federal Credit Union


1115 1st Avenue North 
Billings, MT 59101  USA
Phone: 406-259-7052  Fax: 406-259-6385
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