Current Rates

Competitive Rates for Montana Members
Whitefish Credit Union offers attractive rates on savings accounts, certificates, loans and credit cards.

Certificate Rates

Our Certificate Accounts let you lock in a great rate and earn a steady stream of interest on your investment.

Term Rate APY1
4-month 4.89% 5.00%
8-month 4.65% 4.75%
15-month 4.41% 4.50%

Learn More about Certificates


Checking and Savings Rates

We pay dividends differently to offer members higher interest on savings and checking account deposits for those who want access to their funds anytime. Our member dividends have a history of exceeding the national average savings account rate.

Twice a year, on June 30 and December 31, members receive dividend earnings at an interest rate based on a daily average account balance for the previous six months.

Dividend Rate & APY Declared on December 31, 2023

Account Type Rate APY2
Checking 0.050% 0.050%
Savings 1.900% 1.909%
IRA 2.375% 2.389%


Mortgage and Home Equity Loan Rates

Get our best rates on a mortgage, home equity loan or loan refinancing with a customized quote. Get your home loan rate now.

Car and Vehicle Loan Rates

Whether you’re buying a car, boat, RV, ATV, trailer, or want to refinance your current loan, we have the rate for you. Check out our car and vehicle loan rates.

Personal Loan Rates

Personal loans can be used for debt consolidation, home repairs, medical bills and much more. Explore our affordable personal loan rates.

Credit Card Interest Rates

Our Mastercard credit card puts you in control with low rates for purchases and balance transfers with the ability to lock your rate for the life of your balance*.

1APY=Annual Percentage Yield. Penalty for early withdrawal/early closure. Fees could reduce earnings on the account. Minimum $500 certificate deposit. Rate quoted as of April 21, 2024 and subject to change at any time. Offer is subject to change, be revoked, or end at any time. Whitefish Credit Union membership required.

2APY=Annual Percentage Yield. Rate quoted as of the December 31, 2023 dividend and subject to change with the next dividend declaration.