Our branches will be closed on Wednesday, June 19 in observance of Juneteenth.

Member Dividends

Savings Dividends Done Differently
Maximize your savings with our unique high interest rate structure.

Why We Pay Dividends Differently

We’re not for profit, we’re for people. As a credit union, our goal is to maximize returns to our members in the form of dividends, higher interest on deposits and more.

Unlike banks that focus on generating profits for shareholders, we operate as a member-owned cooperative. This means our primary concern is your financial success, not external stakeholders.

How We Pay Dividends

  • Twice a year, on June 30 and December 31, members receive dividend earnings at a special savings interest rate based on a daily average account balance for the previous six months.
  • The payoff far outweighs offerings from other financial institutions.

A History Of Maximizing Return

We have a history of paying dividends higher than the national average savings account rate banks offer.

How Our Dividend Rates Compare

Period Whitefish CU's Dividend Rate National Average Savings Account Rate Dividends Paid To Members
December 2023
December 2023 1.90% 0.43% $13,992,950
June 2023
June 2023 2.25% .42% $19,576,420
December 2022
December 2022 2.00% .33% $19,194,211
June 2022
June 2022 .75% .10% $7,139,308
December 2021
December 2021 .55% .06% $5,086,531
June 2021
June 2021 .63% .06% $5,215,941
December 2020
December 2020 .85% .05% $6,484,093

Keeping Dollars in Our Montana Community

Credit unions are owned and controlled by the people, or members, who use their services. Profits are returned to members in the form of reduced fees, higher savings rates, and lower loan rates. This promotes stronger local economies as one member’s savings becomes another member’s loan, keeping your money local.

Deposits are federally insured by the NCUA up to $250,000 per share owner, for each account ownership category. For more information, on NCUA share insurance and to calculate the coverage that may be available to you, visit MyCreditUnion.gov/estimator.