Cards
Accounts
Investing
Direct Deposit
Wires
Savings Rates
Service Fees
VISA CARD

If you're a student, a young couple, an individual re-establishing credit, or if you simply want the convenience of a credit card in your wallet a Visa Traditional credit card is the ideal choice. Visa Traditional credit cards offer you the flexibility to make purchases, pay bills, or get cash worldwide. Plus you get the security that comes with every Visa credit card. Visa Traditional credit cards are accepted at millions of locations, so you can use them for almost everything you'd want, including:

  • Essentials like groceries and gas
  • Online books, music, and movies
  • Dining and entertainment
  • Travel reservations
  • Bill payments
ATM CARD

Our ATM card also allows you to withdraw or transfer fund from an ATM anytime of the day, without visiting our office. It’s like having your own personal teller whenever you need one!

Cash & Check Debit Card

Our Cash & Check Debit Card gives you a faster, more economical and convenient way to buy the products and services you need. It allows you to withdraw funds from your share draft account without ever having to write out a check. You can purchase groceries, gas, or anything else. Use your card wherever VISA® Debit Card is accepted.Start enjoying our services with two convenient cards today. To apply stop into any Bear Paw Credit Union location to complete an application. 

All accounts have simple and secure 24-hour telephone or Internet access.
On-Line Banking access.allows you to manage your money from anywhere you have access to a computer or smart phone.
With Bear Paw Credit Union’s iTalk system you can make inquires or transfers anytime, from any touch tone phone.

Deposit your check automatically and Bear Paw Credit Union will credit your savings every month from your paycheck or other accounts. We make it easy to “pay yourself first”.

BPCU Checking Accounts.
     It's are all about the freebies. Say goodbye to your worries and frustrations and hello to the world of free checking. A Bear Paw Credit Union Free Checking account offers great benefits as well as flexibility. This account even offers a no annual fee VISA® debit card that you can use at retailers and ATMs worldwide.

Checking Account
  • No minimum balance requirement
  • No monthly service charge
  • FREE Online Bill Pay
  • FREE notary service
  • FREE VISA® Check (debit) card.
  • ACH Payment/Direct Deposit available
  • FREE Online Bill Pay
Loyalty Checking
  • 2.25%* (2.28% APY) on up to $20,000.00
  • Balances in excess of the $20,000 maximum eligible amount will receive 0.20%.
  • Up to $10 in ATM surcharges and foreign ATM fees refunded per month
  • No minimum balance requirement
  • No monthly service charge
  • FREE Online Bill Pay
  • FREE notary service
  • FREE VISA® Check (debit) card.
  • ACH Payment/Direct Deposit available
Loyalty Checking Requirements
  • Enrollment in eStatements and Monthly Direct Deposit or Monthly ACH.
  • Must conduct at least fifteen (15) debit card transactions per month, which must be posted to your account by the last business day of the month.
  • Loyalty Dividend Rate will only be earned on the primary Loyalty Checking account
  • Members may track their Loyalty Checking status by: E-Mail, Text, or Online Access which is available only through Online Banking.
  • *APY = Annual Percentage Yield. Rates are subject to change.
  • Failure to meet the requirements results in dividend calculation of 0.20%.

Bear Paw Credit Union offers many savings options to help you maximize your interest income conveniently and safely. Because rates fluctuate, please ask a BPCU staff member for current rates or click on the Savings Rates Tab.

Credit Unions for Kids® (term share)
  • 12-month term
  • Daily balance computation method
  • $100 minimum balance
  • Dividends may be withdrawn monthly**
  • Dividends accrued daily and paid monthly
Three Month Certificate (term share)
  • 90-day term
  • Daily balance computation method
  • $500 minimum balance
  • Dividends may be withdrawn monthly**
  • Dividends accrued daily and paid monthly
Six Month Certificate (term share)
  • 12-month term
  • 180-day term
  • $500 minimum balance
  • Dividends may be withdrawn monthly**
  • Dividends accrued daily and paid monthly
One Year Certificate (term share)
  • 12-month term
  • Daily balance computation method
  • $500 minimum balance
  • Dividends may be withdrawn monthly**
  • Dividends accrued daily and paid monthly
Two Year Certificate (term share)
  • 24-month term
  • Daily balance computation method
  • $500 minimum balance
  • Dividends may be withdrawn monthly**
  • Dividends accrued daily and paid monthly
Three Year Certificate (term share)
  • 36-month term
  • Daily balance computation method
  • $500 minimum balance
  • Dividends may be withdrawn monthly**
  • Dividends accrued daily and paid monthly
Individual Retirement Accounts (IRA’s)
Individual Retirement Accounts (IRA’s) are great tax-favored ways to save for retirement. Bear Paw Credit Union offers the following types of IRA accounts. Check with your tax advisor to see which IRA is right for you
Traditional IRA Certificates
  • A Traditional IRA is easy to maintain, and typically offers two important tax advantages. You may be eligible to deduct your total annual Traditional IRA account contributions on your federal income tax return. Every penny of the earnings in your Traditional IRA is 100% free from federal income tax until you withdraw it from your account. Tax deferred money grows quicker, so money will grow faster in a Traditional IRA!
Roth IRA Savings Certificates
  • Contributions to a Roth IRA are not deductible, but if the funds are distributed in a "qualified distribution," they are not subject to federal income tax. Therefore, the earnings on the Roth IRA are generally tax-free.
  • There is no maximum age for making Roth IRA contribution. However, Roth IRA contributions must still be based on compensation. If a distribution of earnings from a Roth IRA is a qualified distribution, it is not subject to federal income tax or the IRS 10% early distribution penalty.A distribution that is not a qualified distribution may be taxable and may be subject to the IRS 10% early distribution penalty.
Coverdell Education Savings Account
  • Coverdell ESAs allow money to grow tax deferred and proceeds to be withdrawn tax free for qualified education expenses at a qualified institution. However the definition of qualified expenses in an ESA includes primary and secondary school, not just college and university.

**The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings. A penalty may be imposed for withdrawals before maturity.

Term Share applies to all certificates. (Term share is a share account in a building society that is for a fixed period of time.)

Direct Deposit
Simply Easy!


Ask your employer for the necessary paperwork to set up Direct Deposit of your paycheck to your Bear Paw Credit Union account.

If you have questions, call (406-265-9626) or (800) 406-2642 or visit any Bear Paw Credit Union location.
When you set up Direct Deposit with Bear Paw Credit Union, you are making the decision to simplify your life!

•Save Time
•Avoid Lines
•Reduce Stress
•Manage your Money

When your paycheck is automatically deposited into your Bear Paw Credit Union account, it is available to you right away! There is no more waiting for the mail or standing in line. Sign up today!

ABA# 292977462

Wire Instructions:

Intermediary Financial institution:
Millineum Corporate Credit Union
8615 West Frazier
Wichita, KS 67212
ABA# 301180111
1-800-721-2677

Beneficiary Financial Institution:
Bear Paw Credit Union
201 2nd Street
Havre, MT 59501
ABA# 292977462
1-800-406-2642

Final Credit to member's name and account number.

Saving Rates
Service Fees