Skip to main content Alert Close
Routing: 292977899

Explore Our Competitive Rates

Basic Checking

APY = Annual Percentage Yield. Rates effective as of

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

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. Rates subject to change without notice.

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

Rates subject to change without notice.

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. Rates subject to change without notice.

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. Rates subject to change without notice.

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

Rates subject to change without notice.

Health Savings (HSA)

APY = Annual Percentage Yield. Rates effective as of

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

Rates subject to change without notice.

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. Rates subject to change without notice.

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. Rates subject to change without notice.

Certificates of Deposit

APY = Annual Percentage Yield. Rates effective as of

CD Min Max APY Rate Interest Accrues Dividends Paid
6-Month $100 —— 3.50% 3.44% Daily Monthly
12-Month $100 —— 3.25% 3.20% Daily Monthly
24-Month $100 —— 3.00% 2.96% Daily Monthly
24-Month Energy Resilience $100 —— 3.00% 2.96% 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. Rates subject to change without notice.

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 —— 3.50% 3.44% Daily Monthly
12-Month IRA CD $100 —— 3.25% 3.20% Daily Monthly
24-Month IRA CD $100 —— 3.00% 2.96% 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. Rates subject to change without notice.

Personal Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Max Amount Min 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% $30,000 $15,000

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. Rates subject to change without notice.

SwiftNote

APR = Annual Percentage Rate. Rates effective as of

Term APR Max Amount Min 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% $30,000 $15,000

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. Rates subject to change without notice.

Personal Lines of Credit

APR = Annual Percentage Rate. Rates effective as of

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

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. Rates subject to change without notice.

Payday Alternative Loans (PAL)

APR = Annual Percentage Rate. Rates effective as of

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

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. Rates subject to change without notice.

Credit Builder Loans

APR = Annual Percentage Rate. Rates effective as of

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

All loans subject to approval. Payment example: $500 loan for 12 months will have a monthly payment of $43. Rates subject to change without notice.

Savings Secured Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Max Amount Min 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. Rates subject to change without notice.

Certificate Secured Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Max Amount Min 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. Rates subject to change without notice.

Computer Loan

APR = Annual Percentage Rate. Rates effective as of

Term APR Max Amount Min 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. Rates subject to change without notice.

Energy Efficiency Loan

APR = Annual Percentage Rate. Rates effective as of

Term APR Max Amount Min Amount
120 Months 6.90% - 8.90% $50,000 ——

All loans subject to approval. Payment Example: $10,000 loan for 120 months will have a monthly payment of $116, depending upon creditworthiness. Rates subject to change without notice.

Solar Loan

APR = Annual Percentage Rate. Rates effective as of

Term APR Max Amount Min Amount
60 - 240 months 6.45% - 6.74% $75,000 $5,000

All loans subject to approval. Payment Examples: $10,035 loan for 60 months will have a 6.60% APR with a monthly payment of $195.13. $10,035 with a 240 month term with a rate of 6.50% APR your monthly payment will be $74.17. Rates subject to change without notice.

Essential Visa Credit Card

APR = Annual Percentage Rate. Rates effective as of

Term APR Max Amount Min Amount
Revolving 10.75% - 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 Max Amount Min 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. Rates subject to change without notice.

Vehicle Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
36 Months 5.74% - 17.75% —— $100,000
48 Months 5.74% - 17.75% —— $100,000
60 Months 5.74% - 17.75% —— $100,000
72 Months 5.74% - 17.75% $15,000 $100,000
84 Months 6.49% - 11.25% $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 $758 - $901. Rates subject to change without notice.

Electric Vehicle Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
36 Months 4.74% - 16.75% —— $100,000
48 Months 4.74% - 16.75% —— $100,000
60 Months 4.74% - 16.75% —— $100,000
72 Months 4.74% - 16.75% $15,000 $100,000
84 Months 5.49% - 10.25% $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 $747 to $889. Rates subject to change without notice.

RV / Boat Loans

APR = Annual Percentage Rate. Rates effective as of

Term APR Min Amount Max Amount
36 Months 8.25% - 17.50% —— $100,000
48 Months 8.25% - 17.50% —— $100,000
60 Months 8.25% - 17.50% —— $100,000
120 Months 8.25% - 16.00% $20,000 $100,000
180 Months 8.25% - 15.00% $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 $787 to $898. Rates subject to change without notice.

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. Rates subject to change without notice.

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. Rates subject to change without notice.

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. Rates subject to change without notice.

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. Rates subject to change without notice.

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. Rates subject to change without notice.

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. Rates subject to change without notice.

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 10.75% - 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.