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Basic Checking

APY = Annual Percentage Yield. Rates effective as of

Min Max APY Rate Interest Accrues Dividends Paid
—— —— —— —— Daily Monthly

Premium Checking

APY = Annual Percentage Yield. Rates effective as of

Min Max APY Rate Interest Accrues Dividends Paid
$0 $50,000 1.00% 1.00% Daily Monthly
$50,001 $100,000 1.25% 1.24% Daily Monthly
$100,001 —— 1.50% 1.49% Daily Monthly

$1,500 minimum monthly balance to avoid $5 fee.

SmartSpend Checking

APY = Annual Percentage Yield. Rates effective as of

Min Max APY Rate Interest Accrues Dividends Paid
—— —— —— —— —— ——

Primary and Secondary Savings

APY = Annual Percentage Yield. Rates effective as of

Min Max APY Rate Interest Accrues Dividends Paid
$5 —— 0.05% 0.05% Daily Monthly

V.I.P. Savings

APY = Annual Percentage Yield. Rates effective as of

Min Max APY Rate Interest Accrues Dividends Paid
$5 $2,500 0.50% 0.50% Daily Monthly
$2,501 —— 0.05% 0.05% Daily Monthly

$250 maximum deposit monthly

Money Market Savings

APY = Annual Percentage Yield. Rates effective as of

Min Max APY Rate Interest Accrues Dividends Paid
$0 $50,000 1.50% 1.49% Daily Monthly
$50,001 $100,000 1.75% 1.74% Daily Monthly
$100,001 —— 2.00% 1.98% Daily Monthly

$1,500 minimum monthly balance to avoid $5 fee

Youth Savings

APY = Annual Percentage Yield. Rates effective as of

Min Max APY Rate Interest Accrues Dividends Paid
$5 —— 0.05% 0.05% Daily Monthly

Health Savings (HSA)

APY = Annual Percentage Yield. Rates effective as of

Min Max APY Rate Interest Accrues Dividends Paid
$0 $1,000 —— —— Daily Monthly
$1,001 —— 0.05% 0.05% Daily Monthly

Montana Medical Savings (MSA)

APY = Annual Percentage Yield. Rates effective as of

Min Max APY Rate Interest Accrues Dividends Paid
$0 —— 0.05% 0.05% Daily Monthly

The IRS sets rules for contributions and withdrawals.

Coverdell Education Savings

APY = Annual Percentage Yield. Rates effective as of

Min Max APY Rate Interest Accrues Dividends Paid
$0 —— 0.05% 0.05% Daily Monthly

Available in Traditional, Roth, and SEP types. The IRS sets rules for contributions and withdrawals.

Certificates of Deposit

APY = Annual Percentage Yield. Rates effective as of

CD Min Max APY Rate Interest Accrues Dividends Paid
6-Month $100 —— 4.50% 4.41% Daily Monthly
12-Month $100 —— 4.00% 3.93% Daily Monthly
24-Month $100 —— 3.20% 3.15% Daily Monthly
24-Month Clean Energy $100 —— 3.20% 3.15% Daily Monthly
36-Month $100 —— 3.00% 2.96% Daily Monthly
48-Month $100 —— 3.00% 2.96% Daily Monthly
60-Month $100 —— 3.00% 2.96% Daily Monthly
SmartSaver Youth¹ $100 $1,000 5.00% 4.89% Daily Monthly
  1. Matures at age 18. Limit one per youth ages 0-17

Early withdrawal penalties may apply to all CDs. Fees may reduce earnings.

Retirement Accounts

APY = Annual Percentage Yield. Rates effective as of

CD Min Max APY Rate Interest Accrues Dividends Paid
IRA Savings¹ $100 —— 0.05% 0.05% Daily Monthly
6-Month IRA CD $100 —— 4.50% 4.41% Daily Monthly
12-Month IRA CD $100 —— 4.00% 3.93% Daily Monthly
24-Month IRA CD $100 —— 3.20% 3.15% Daily Monthly
36-Month IRA CD $100 —— 3.00% 2.96% Daily Monthly
48-Month IRA CD $100 —— 3.00% 2.96% Daily Monthly
60-Month IRA CD $100 —— 3.00% 2.96% Daily Monthly
  1. Available in Traditional, Roth, and SEP types. Fees associated with these accounts.

Early withdrawal penalties may apply to all CDs. Fees may reduce earnings.

Personal Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
36 Months 8.75% - 18.00% —— $30,000
48 Months 9.50% - 18.00% —— $30,000
60 Months 10.25% - 18.00% —— $30,000
72 Months 10.75% - 18.00% $15,000 $30,000

All loans subject to approval. Personal loans subject to aggregate loan limits. Payment Example: $5,000 loan for 36 months will have a monthly payment range of $159 - $181.

SwiftNote

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
36 Months 8.75% - 18.00% —— $30,000
48 Months 9.50% - 18.00% —— $30,000
60 Months 10.25% - 18.00% —— $30,000
72 Months 10.75% - 18.00% $15,000 $30,000

All loans subject to approval. Personal loans subject to aggregate loan limits. Payment Example: $5,000 loan for 36 months will have a monthly payment range of $159 - $181.

Personal Lines of Credit

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
Revolving 12.25% -18.00% $500 $3,000

All loans subject to approval. Personal lines of credit subject to aggregate loan limits. Minimum payment of 3.00% of the outstanding balance, subject to a minimum of $25.00.

Payday Alternative Loans (PAL)

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
5 Months 28.00% $200 $1,000

Must be a member for at least 90 days and have 90 days of continuous income to qualify. All loans subject to approval. Payment example: $500 loan for 5 months will have a monthly payment of $108.

Credit Builder Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
12 Months Share Rate + 3.00% $200 $1,000

All loans subject to approval. Payment example: $500 loan for 12 months will have a monthly payment of $43.

Savings Secured Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
Maximum of 60 months Share Rate + 3.00% —— Share Amount

All loans subject to approval. Payment example: $5,000 loan for 60 months will have a monthly payment of $90.

Certificate Secured Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
Maximum of 60 months Certificate Rate + 3.00% —— Certificate Amount

All loans subject to approval. Payment example: $5,000 loan for 60 months using the 60-Month CD rate as the Certificate Rate will have a monthly payment of $97.

Computer Loan

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
18 Months 5.00% —— $3,500

All loans subject to approval. Computer loans subject to aggregate loan limits. Payment Example: $1,000 loan for 18 months will have a monthly payment of $58.

Energy Efficiency Loan

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
120 Months 6.90% - 8.90% —— $25,000

All loans subject to approval. Payment Example: $10,000 loan for 120 months will have a monthly payment of $116, depending upon creditworthiness.

Solar Loan

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
60 - 240 months 7.26% - 7.55% $5,000 $75,000

All loans subject to approval. Payment Examples: $10,035 loan for 60 months will have a 7.40% APR with a monthly payment of $198.74. $10,035 with a 240 month term with a rate of 7.30% APR your monthly payment will be $79.34

Essential Visa Credit Card

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
Revolving 11.75% - 18.00% —— $20,000

APR varies with the Prime Rate as published in the Wall Street Journal. See Credit Card Disclosure for rates and terms. Payment example: Minimum payment of 2.00% of the outstanding balance, subject to a minimum of $25.00.

Secured Visa Credit Card

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
Revolving 9.90% —— $20,000

APR is a fixed-rate for all borrowers. Minimum payment of 2.00% of the outstanding balance, subject to a minimum of $25.00.

Vehicle Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
36 Months 6.75% - 18.00% —— $100,000
48 Months 6.75% - 18.00% —— $100,000
60 Months 6.75% - 18.00% —— $100,000
72 Months 7.00% - 18.00% $15,000 $100,000
84 Months 7.50% - 11.50% $30,000 $100,000

All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based upon creditworthiness, qualifications, and collateral conditions. Payment Example: $25,000 loan for 36 months will have a monthly payment range of $769 - $904.

Electric Vehicle Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
36 Months 6.25% - 17.00% —— $100,000
48 Months 6.25% - 17.00% —— $100,000
60 Months 6.25% - 17.00% —— $100,000
72 Months 6.50% - 17.00% $15,000 $100,000
84 Months 7.00% - 11.00% $30,000 $100,000

Valid for plug-in or plug-in hybrids. Loan may also be used to finance up to an additional $2,500 for home charging installation. All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based upon creditworthiness, qualifications, and collateral conditions. Payment Example: 25,000 loan for 36 months will have a monthly payment range of $764 to $892.

RV / Boat Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
36 Months 8.75% - 18.00% —— $100,000
48 Months 8.75% - 18.00% —— $100,000
60 Months 8.75% - 18.00% —— $100,000
120 Months 8.75% - 16.50% $20,000 $100,000
180 Months 8.75% - 15.50% $35,000 $100,000

All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based upon creditworthiness, qualifications, and collateral conditions. Payment Example: $25,000 loan for 36 months will have a monthly payment range of $793 to $904.

Motorsport / UCC Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
36 Months 9.75% - 18.00% —— $30,000
48 Months 9.75% - 18.00% —— $30,000
60 Months 9.75% - 18.00% $10,000 $30,000
72 Months 9.75% - 18.00% $10,000 $30,000

All loans subject to approval. Rates, terms, and conditions are subject to change and may vary based upon creditworthiness, qualifications, and collateral conditions. Payment Example: $25,000 loan for 36 months will have a monthly payment range of $804 to $904.

Bike Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
18 Months 5.00% —— $3,500

All loans subject to approval. Bike loans subject to aggregate loan limits. Payment Example: $1,000 loan for 18 months will have a monthly payment of $58.

E-Bike Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
Max of 72 months 5.00% —— $15,000

All loans subject to approval. Bike loans subject to aggregate loan limits. Payment Example: $5,000 loan for 36 months will have a monthly payment of $150.

Mortgage Loans

Home Equity Loans or Lines of Credit

Montana Code School Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
36 Months 8.00% - 14.00% —— $10,500
48 Months 8.50% - 14.50% —— $10,500
60 Months 9.00% - 15.00% —— $10,500

All loans subject to approval. First payment for 3-month course due 60 days from completion date. First payment for 6-month course due 6 months from loan closing.

Montana CDL School Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
36 Months 8.00% - 14.00% —— $5,000
48 Months 8.50% - 14.50% —— $5,000

All loans subject to approval. First payment due 60 days after course completion. If course not completed, repayment begins 30 days after leaving program. Payment Example: $5,000 loan for 36 months will have a monthly payment range of $XXX.XX to $XXX.XX.

Sacred Roots Massage School of Montana Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
36 Months 8.00% - 14.00% —— $10,000
48 Months 8.50% - 14.50% —— $10,000
60 Months 9.00% - 15.00% —— $10,000

All loans subject to approval. First payment due for 10-month course is 90 days after course completion.

Business Checking

APY = Annual Percentage Yield. Rates effective as of

Min Max APY Rate
—— —— —— ——

Nonprofit Checking

APY = Annual Percentage Yield. Rates effective as of

Min Max APY Rate
—— —— —— ——

Business Loans & Lines of Credit

Construction Loans

Commercial Real Estate Loans

Business Visa Credit Card

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
Revolving 11.75% - 18.00% —— $20,000

APR varies with the Prime Rate as published in the Wall Street Journal. All loans subject to approval. See Credit Card Disclosure for rates and terms.