Rates

Rates

Basic, Traditional, and Classic Checking
Basic, Traditional, and Classic Checking

Dividend Rate

APY1

1 APY = Annual Percentage Yield.

The rates and terms shown are effective as of November 1, 2020.

Dividend Rate

0.00%

APY1

0.00%

Premium Checking ($1500 Minimum)1
Premium Checking ($1500 Minimum)1

Balance

Dividend Rate

APY2

1 $5 monthly fee if balance is below minimum.
2 APY = Annual Percentage Yield.

The rates and terms shown are effective as of January 1, 2023.

Balance

$0-$50,000

Dividend Rate

1.00%

APY2

1.00%

Balance

$50,000-$100,000

Dividend Rate

1.24%

APY2

1.25%

Balance

$100,000+

Dividend Rate

1.49%

APY2

1.50%

Business Checking
Business Checking

Dividend Rate

APY1

1 APY = Annual Percentage Yield.

The rates and terms shown are effective as of December 2, 2020.

Dividend Rate

0.00%

APY1

0.00%

Primary Savings
Primary Savings

Deposit Amount

Dividend Rate

APY1

1 APY = Annual Percentage Yield.

The rates and terms shown are effective as of December 22, 2018.

Deposit Amount

$5

Dividend Rate

0.05%

APY1

0.05%

VIP Savings1
VIP Savings1

Deposit Amount

Dividend Rate

APY2

1 $250 max. dep/mo. Dividends earned on portion of balance.
2 APY = Annual Percentage Yield.

The rates and terms shown are effective as of November 01, 2022.

Deposit Amount

$5-2500

Dividend Rate

0.50%

APY2

0.50%

Deposit Amount

$2500

Dividend Rate

0.05%

APY2

0.05%

Tiered Money Market1
Tiered Money Market1

Deposit Amount

Dividend Rate

APY3

1 $5 Monthly Fee if Below Minimum.
2 $1500 Minimum. Dividends earned on entire balance.
3 APY = Annual Percentage Yield.

The rates and terms shown are effective as of May 4, 2023.

Deposit Amount

$0-$50,000

Dividend Rate

1.49%

APY3

1.50%

Deposit Amount

$50,000-$100,000

Dividend Rate

1.74%

APY3

1.75%

Deposit Amount

$100,000

Dividend Rate

1.98%

APY3

2.00%

IRA Savings
IRA Savings

Dividend Rate

APY2

1 $100 Minimum Balance.

2 APY = Annual Percentage Yield. Fees may reduce earnings.

The rates and terms shown are effective as of December 2, 2020.

Dividend Rate

0.05%

APY2

0.05%

HSA (Health Savings Account)
HSA (Health Savings Account)

Deposit Amount

Dividend Rate

APY1

1 APY = Annual Percentage Yield.

The rates and terms shown are effective as of December 22, 2018.

Deposit Amount

Less than $500

Dividend Rate

0.00%

APY1

0.00%

Deposit Amount

$500-999

Dividend Rate

0.00%

APY1

0.00%

Deposit Amount

$1,000-4,999

Dividend Rate

0.05%

APY1

0.05%

Deposit Amount

$5,000

Dividend Rate

0.05%

APY1

0.05%

Certificates of Deposit1
Certificates of Deposit1

Term

Dividend Rate

APY2

1 $100 Minimum to Open.
2 APY = Annual Percentage Yield. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts.

The rates and terms shown are effective as of March 1, 2024.

Term

6 months

Dividend Rate

4.89%

APY2

5.00%

Term

12 months

Dividend Rate

4.17%

APY2

4.25%

Term

24 months

Dividend Rate

3.69%

APY2

3.75%

Term

36 months

Dividend Rate

3.54%

APY2

3.60%

Term

48 months

Dividend Rate

3.45%

APY2

3.50%

Term

60 months

Dividend Rate

3.45%

APY2

3.50%

IRA Certificates1
IRA Certificates1

Term

Dividend Rate

APY2

1 $100 Minimum Balance.

2 APY = Annual Percentage Yield. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts.

The rates and terms shown are effective as of March 1, 2024.

Term

6 months

Dividend Rate

4.89%

APY2

5.00%

Term

12 months

Dividend Rate

4.17%

APY2

4.25%

Term

24 months

Dividend Rate

3.69%

APY2

3.75%

Term

36 months

Dividend Rate

3.54%

APY2

3.60%

Term

48 months

Dividend Rate

3.45%

APY2

3.50%

Term

60 months

Dividend Rate

3.45%

APY2

3.50%

SmartSaver Certificate of Deposit
SmartSaver Certificate of Deposit

Term

Dividend Rate

APY1

Info

1 APY = Annual Percentage Yield. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts. $100 minimum deposit, may be added to in $100 increments up to a $1000 maximum deposit.

The rates and terms shown are effective as of December 22, 2018.

Term

up to 18 years

Dividend Rate

4.89%

APY1

5.00%

Info

for children 0-18, education required, limit one per child

Youth Certificate of Deposit1
Youth Certificate of Deposit1

Term

Dividend Rate

APY2

1 $100 Minimum Balance. May be added to in $100 increments up to $500 per month.
2 APY = Annual Percentage Yield. Fees may reduce earnings. Early withdrawal penalties may apply to certificate accounts.

The rates and terms shown are effective as of March 1, 2024.

Term

6 months

Dividend Rate

4.89%

APY2

5.00%

Term

12 months

Dividend Rate

4.17%

APY2

4.25%

Term

24 months

Dividend Rate

3.69%

APY2

3.75%

Term

36 months

Dividend Rate

3.54%

APY2

3.60%

Term

48 months

Dividend Rate

3.45%

APY2

3.50%

Term

60 months

Dividend Rate

3.45%

APY2

3.50%

Visa Credit Card1
Visa Credit Card1

Minimum APR2

Maximum APR2

1 All loans subject to approval. Rates, terms, & conditions are subject to change and may vary based on creditworthiness, qualifications, & collateral conditions.
2 APR = Annual Percentage Rate.

The rates and terms shown are effective as of November 26, 2018.

Minimum APR2

7.90%

Maximum APR2

16.90%

Visa Secured Credit Card1
Visa Secured Credit Card1

Minimum APR2

Maximum APR2

1 All loans subject to approval. Rates, terms, & conditions are subject to change and may vary based on creditworthiness, qualifications, & collateral conditions.
2 APR = Annual Percentage Rate.

The rates and terms shown are effective as of November 1, 2022.

Minimum APR2

9.90%

Maximum APR2

16.90%

Auto (New and Used)1
Auto (New and Used)1

Term

APR as low as2

1 All loans subject to approval. Rates, terms, & conditions are subject to change and may vary based on creditworthiness, qualifications, & collateral conditions.
2 APR = Annual Percentage Rate.

Payment example: a new auto loan of $12,000 for 60 months at 7.25% APR will have a monthly payment of $240.

The rates and terms shown are effective as of March 9, 2024.

Term

36 months

APR as low as2

7.25%

Term

48 months

APR as low as2

7.25%

Term

60 months

APR as low as2

7.25%

Term

72 months

APR as low as2

7.50%

Term

84 months

APR as low as2

8.00%

Motorcycles/Snowmobiles (New and Used)1
Motorcycles/Snowmobiles (New and Used)1

Term

APR as low as2

1 All loans subject to approval. Rates, terms, & conditions are subject to change and may vary based on creditworthiness, qualifications, & collateral conditions.
2 APR = Annual Percentage Rate.

Payment example: new motorcycle loan of $10,000 for 60 months at 6.75% APR will have a monthly payment of $202.

The rates and terms shown are effective as of November 1, 2022.

Term

36 months

APR as low as2

6.75%

Term

48 months

APR as low as2

7.25%

Term

60 months

APR as low as2

7.75%

Term

72 months

APR as low as2

7.75%

RVs/Boats (New and Used)1
RVs/Boats (New and Used)1

Term

APR as low as2

1 All loans subject to approval. Rates, terms, & conditions are subject to change and may vary based on creditworthiness, qualifications, & collateral conditions.
2 APR = Annual Percentage Rate.

Payment example: new RV/boat loan of $12,000 for 60 months at 8.25% APR will have a monthly payment of $248.

The rates and terms shown are effective as of March 9, 2024.

Term

36 months

APR as low as2

8.25%

Term

48 months

APR as low as2

8.75%

Term

60 Months

APR as low as2

8.25%

Term

120 months

APR as low as2

8.75%

Term

180 Months

APR as low as2

8.75%

Home Loans1
Home Loans1

Loan Type

APR

1 All loans subject to approval. Rates, terms, & conditions are subject to change and may vary based on creditworthiness, qualifications, & collateral conditions.

Loan Type

Mortgage Loan

APR

Please call (406) 523-3312 for rates

Loan Type

Home Equity Loan

APR

Please call (406) 523-3312 for rates

Loan Type

Home Equity Line of Credit

APR

Please call (406) 523-3312 for rates

Other Loans1
Other Loans1

Loan Type

APR as low as2

1 All loans subject to approval. Rates, terms & conditions are subject to change and may vary based on creditworthiness, qualifications & collateral conditions.
2 APR = Annual Percentage Rate.
3 For qualifying borrowers. $75,000 loan maximum. No application fee, no origination fee, no pre-payment penalty. Contact us for more information.
4 Payment example: home solar unsecured loan of $30,000 for 240 months at 5.90% APR2 will have a monthly payment of $213.
5 For qualifying borrowers. $20,000 loan maximum. No application fee, no origination fee, no pre-payment penalty. Contact us for more information.
6 Payment example: home energy efficiency unsecured loan of $10,000 for 72 months at 8.00% APR2 will have a monthly payment of $176.
7 Maximum loan amount of $3,500.

The rates and terms shown are effective as of November 1, 2023.

Loan Type

Unsecured

APR as low as2

9.25%

Loan Type

Personal Line of Credit

APR as low as2

7.90%

Loan Type

Payday Alternative Loan

APR as low as2

28.00%

Loan Type

Credit Builder Loan

APR as low as2

3.05% above savings rate 

Loan Type

Certificate Secured

APR as low as2

3.00% above certificate rate

Loan Type

Share Secured

APR as low as2

3.00% above savings rate

Loan Type

Home Solar Unsecured Loan3

APR as low as2

5.90% (240 months4)

Loan Type

Home Energy Efficiency Unsecured Loan5

APR as low as2

8.00% (72 months6)

Loan Type

Computer Loan

APR as low as2

5.00% (18 months7)

Loan Type

Bicycle Loan

APR as low as2

5.00% (18 months7)