Skip to content

Rates

Life is full of opportunities — including this account that reinforces saving habits while giving you a chance to win cash.

Key Features

  • Chance to Win $100 Monthly
  • Chance to Win $1,000 Quarterly
  • Chance to Win 5,000 Annually
  • Free savings account offered exclusively to Montana Credit Union members*
  • Every $25 saved enters you into a statewide cash prize drawing
    • Maximum of 4 entries per month!
  • No monthly service fees
  • $10 fee for early withdrawal before 12-month savings period is over
    • $25 for second withdrawal
  • Must be a Montana resident, at least 18 years of age
  • Must have a yearlong commitment to saving money
  • Monthly drawings on the 15th of each month (for the previous month)
  • One account available per person
  • Free digital banking services
  • Free telephone banking
  • $5 minimum deposit to open

Prizes

  • Statewide prizes are awarded monthly (4 prizes for $100 each), quarterly (1 prize for $1,000), and 1 yearly grand prize of $5,000!
  • In addition, we will be holding drawings just for Montana Credit Union members. We will have one Montana Credit Union winner each month ($100 prize), each quarter ($250 prize), and one annual prize winner of $500!  

Open your WINcentive Savings at your nearest branch today!

*You must be a Montana resident, be 18 years of age or older, and in good standing with the credit union to be eligible for a WINcentive Savings account. Children/minors are not eligible for a WINcentive Savings account. Only one WINcentive Savings account per social security number at Montana Credit Union. You must come in to a branch to open this account. Monthly drawings occur around the 15th of each month for the previous month's entries, and we will notify you after the drawing if you are a winner.

This is a free account, with no monthly service fees. There are fees for any early withdrawals before the 12 month savings period is over ($10 for first withdrawal, $25 for second withdrawal). Please speak with a member services representative for more details.

We value your privacy. Montana Credit Union's website uses cookies to enhance your browsing experience, serve personalized ads or content, and analyze our traffic. By use of this website, you consent to our use of cookies. For more information, review our Online Privacy Notice.