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Rates

Loan Rates

Type APR*
Personal as low as 12.90**
Credit Rebuilder Loan as low as 18.00
Share Secured by Savings as low as 3.99
Secured by Certificate as low as 3.99
New Auto (12 - 72 months) as low as 2.99**
Used Auto (Starts @ 2.99%**. Will also finance tax and tags. Used vehicle will finance 100% NADA Book Value) as low as 2.99**
New MotorHome up to 120 months as low as 7.40**
Used MotorHome up to 120 months as low as 8.40**
New Motorcycle up to 60 months as low as 7.40**
Used Motorcycle up to 48 months as low as 8.40**
New Boat as low as 7.40**
Used Boat as low as 8.40**
Visa Platinum as low as 9.99
Visa Gold as low as 11.99
Visa Classic as low as 13.90
Variable Rate Home Equity Loan Not Offering At This Time
First Mortgage Rates Change Daily
Fixed Rate Home Equity Loans  
10 Year (80% or < LTV) Home Equity Loan as low as 5.25%
10 Year (81% to 90% LTV) Home Equity Loan as low as 5.75%
15 Year (80% or < LTV) Home Equity Loan as low as 5.50%
15 Year (81% to 90% LTV) Home Equity Loan as low as 6.00%
Skip-a-pay (Offered June, July, August, November, December, January)
$35 fee per loan (excludes home equity loans, credit rebuilder loans, vacation loans, holiday loans and credit cards)

All Loan rates effective as of 02/01/2017.
All stated rates are subject to change at any time.
All fees quoted subject to change at any time.
Our loan rates are now determined by risk-based lending, or credit scoring. Actual rates will vary based on a member's credit score. We cannot actually quote an exact rate. You may be told what the current lowest rate is, but the actual rate given is based on a credit review.
Please call Fort Billings FCU for a formal rate quote.
*APR = Annual Percentage Rate
** Actual APR Subject to Credit Review
*** Credit score must be >550 to qualify. See loan officer for terms

Savings Rates

Type Dividend APY
Share Account (Savings) 0.05 0.05
IRA Savings 0.65 0.65
Christmas Club 0.05 0.05
Vacation Club 0.05 0.05
Money Market    
$2,000 to $20,000 0.15 0.15
Over $20,000 0.20 0.20
Regular Share Certificates & IRA Share Certificates (minimum $500.00 deposit)    
6 month Share Certificate 0.25 0.25
12 month Share Certificate 0.30 0.30
18 month Share Certificate 0.50 0.50
24 month Share Certificate 0.60 0.60
36 month Share Certificate 0.65 0.65
48 month Share Certificate 0.90 0.90
60 month Share Certificate 1.10 1.11
Jumbo Regular Share Certificates & Jumbo IRA Share Certificates (over $50,000.00) Note: We are no longer offering Jumbo Certificates for 6, 12 and 18 months.    
24 months 0.75 0.75
36 month 0.80 .80
48 month 1.05 1.06
60 month 1.25 1.26

Visa Credit Cards

  PLATINUM GOLD CLASSIC
Annual Percentage Rate For Purchases 7.90% for the first 6 months, after that, 9.99% 7.90% for the first 6 months, after that, 11.99% 13.90%
Balance Transfer APR 7.90% NON VARIABLE Life of Balance Transfer 7.90% NON VARIABLE Life of Balance Transfer 13.90% NON VARIABLE
Cash Advance APR 13.90% 13.90% 13.90%
Grace Period Purchases - 25 days, Cash Advances accrue interest from the date the advance is made. Purchases - 25 days, Cash Advances accrue interest from the date the advance is made. Purchases - 25 days, Cash Advances accrue interest from the date the advance is made.
Method of Computing the Balance Average Daily Balance Method (including current transactions). Average Daily Balance Method (including current transactions). Average Daily Balance Method (including current transactions).
Annual Fee None None None
Minimum Finance Charge None None None
Transaction Fee For Purchases None None None
Balance Transfer Fee None None None
Late Payment Fee $25.00 $25.00 $25.00
Overlimit Fee $25.00 $25.00 $25.00
Returned Check Fee $25.00 $25.00 $25.00
Annual Statement $1.00 $1.00 $1.00