We are pleased to announce that we are now accepting applications for our 2019 High School Member Scholarship program. The Credit Union will be issuing one scholarship for $3,000.00 and is available to any graduating high school senior who is a member of Ravalli County FCU.

All applications must be completed and turned in to the Credit Union no later than May 1st, 2019.

Criteria for Selection:

Applicants must meet all criteria to be considered for the scholarship.

• Must have been a Ravalli County FCU member for at least one year.
• Minimum high school GPA of 3.50
• Rank in the to 25% of graduating class
• Minimum ACT score of 22 or SAT score of 1540

Documentation Needed:

• High school transcripts (showing rank in class)
• Completed Application (Cover letter & Essay)
• Two letters of reference including one from a counselor or faculty member

On December 20, 2018 we held our second Reality Fair at Hamilton High School and it was a huge success!

A Financial Reality Fair is an interactive experience designed for high school students to provide hands-on, real-life situations with the many financial challenges young people face as they venture out on their own. This unique live simulation provided students with a career choice and starting salary. Each student completed a budget sheet and made choices to stay within their means while paying for basic necessities such as housing, utilities, food and transportation.

This eye-opening experience gave the students a view into what costs they can anticipate and how to plan for the future.

Thank you to all of our volunteers:

• MSU Ravalli County Extension
• Bitterroot College 
• by Owner Real Estate
• Paynewest Insurance
• MCUN

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.

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.

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.

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