Ravalli County FCU had a great year and we wanted to share a piece of that profit with our members! That’s why on December 4^th, we gave back $50,000 to our members with a Special Patronage Dividend. It’s our way to say “Thank You” to our loyal members who saved and borrowed with us the most in 2018. The Patronage Dividend was based on paying 15% of the dividends that were paid on savings accounts and 5% of the interest paid on loans. The Patronage Dividend was posted to the Primary Savings account and narrated as “Patronage Dividend”. Not all members received a Patronage Dividend, only members who saved a minimum amount and members who have active loans with the Credit Union qualified. The more that you saved or borrowed, the greater the opportunity for a Patronage Dividend. You won’t see many banks sharing their profits with their customers, that’s why we gave back to our membership; proving the value and benefits of being part of cooperative are real and significant. That’s the #CUDifference. Thank you for a great year and Happy Holidays!

Ravalli County FCU, we get it.

The annual Credit Unions for Kids “Vote for Miracles” promotion has begun! Through December 18, the general public is invited to cast votes in support of their favorite Children’s Miracle Network Hospital. At the conclusion of the promotion, the top five hospitals will receive a share of a $100,000 donation on behalf of America’s credit unions, compliments of CO-OP Financial Services.

Here is how you can help:

•Visit Vote for Miracles (http://voteformiracles.org/) 
everyday between November 27- December 18 to cast your vote for Shodair Children’s Hosipal.

Congratulations Melissa!!

If you want to know how YOU can win money, stop by the Credit Union and ask about our WINcentive Savings Account today! You could be the lucky winner of our next monthly drawing!

Ravalli County FCU, we get it.

Click on the photo below to apply online today!

WINcentive™ Savings is a new prize-linked savings account at Ravalli County FCU!

WINcentive Savings offers prize drawing entries in return for each time you increase your savings balance by $25 (up to 4 entries per month)*. Prize drawings occur monthly, quarterly and annually – so the more you save, the more chances you have to win! You could even end up winning the grand prize of $5,000!

Is saving money a challenge? If you are struggling to save, consider the WINcentive Savings account. You can improve your money habits in a whole new way that actually makes saving FUN. You’ll feel rewarded by watching your savings grow, and experience the excitement of the prize drawings! And unlike playing the lottery, you don’t lose anything with WINcentive Savings. All of the money you deposit into the account is yours!

Don’t miss your chance. Our first drawing is October 15. Open your WINcentive Savings account today!

*See credit union for complete terms, conditions, and official rules. Federally insured by NCUA.

Registration is now open for the 2018-2019 Solid Finances webinar series. We will be addressing several topics that were suggested by participants in last year’s series. (Thank you.) This year’s topics will include insurance (auto, flood and life), the psychology of money, charity ratings, creating a financial record keeping system, choosing an annuity and more. The series will again feature experts from MSU Extension, NDSU Extension and the University of Idaho Extension. All sessions will be held on Wednesdays from 12:05 to 12:55 (Mountain Time) with the first session on October 3rd. A full schedule is available here: http://www.msuextension.org/solidfinances/schedule.html

Registration is required but there is no cost to participate. To register and for more information click here: http://www.msuextension.org/solidfinances/

Also, please take advantage of the archived recordings of Solid Finances sessions from the past few years. There are over 50 recordings available to you at your convenience at no cost. The full list of recorded sessions is available here: http://www.msuextension.org/solidfinanc…/pastrecordings.html

Here is a few things that participants in last year’s series said about Solid Finances:

“The presenters are all encouraging and positive, which make the information easier to put into practice.”

“I saved over $30 per month on my insurance with the information I learned.”

“I am not rich but I love to learn about getting the most bang for my buck!”

“Sometimes years go by and you should think about things but you never get around to it. These webinars bring those items to the forefront…which is a good thing.”

We are excited to announce that Remote Deposit Capture (RDC) is now available to qualifying members of Ravalli County FCU! If you already have our mobile app and would like to start using RDC, no additional download is required. Simply update your app, sign in as usual, and click on “Move Money” to register. All registration requests will be approved/rejected within 1-2 business days.

Downloading the app for the first time? You can find it on Google Play or in the App Store.

For questions regarding remote deposit capture click HERE frequently asked questions or contact the Credit Union at 363-4631.

Financial Counseling is available, call 406-363-4631 to get more information.