Deposit Account Rates

The interest rates and Annual Percentage Yield (APR) are subject to change.  Fees applicable to the account type could reduce the earnings on the account.  Rates are effective as of September 16, 2014.

Personal Checking

ACCOUNT TYPE MIN. DEPOSIT REQUIRED MIN. DAILY BALANCE* TO OBTAIN APR INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
Freedom Plus $50 $1 0.10% 0.10%
Interest Checking $1,000 $1,000 0.05% 0.05%

 

Money Market

TIERS MIN. DEPOSIT REQUIRED MIN. DAILY BALANCE* TO OBTAIN APR INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
$0 - 999.99 - - - -
$1,000.00 - $24,999.99 $1,000 $1,000 0.05% 0.05%
$25,000.00 - $49,999.99 $1,000 $25,000 0.10% 0.10%
$50,000.00 - $99,999.99 $1,000 $50,000 0.20% 0.20%
$100,000.00 + $1,000 $100,000 0.35% 0.35%

 

Savings Accounts

ACCOUNT TYPE MIN. DEPOSIT REQUIRED MIN. DAILY BALANCE* TO OBTAIN APR INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
Health Savings  $100  $1  1.00%  1.00%
 Montana Medical Savings  $100  $1  1.00%  1.00%
Personal Savings $50 $50 0.05% 0.05%
Holiday Savings $50 $50 1.00% 1.00%

 

Certificates of Deposit

TERMS MIN. DEPOSIT REQUIRED MIN. DAILY BALANCE* TO OBTAIN APR INTEREST RATE ANNUAL PERCENTAGE YIELD (APY)
1 - 3 month+ $500 $500 0.05% 0.05%
3 - 6 month+ $500 $500 0.05% 0.05%
6 - 12 month+ $500 $500 0.10% 0.10%
12 - 24 month+ $500 $500 0.30% 0.30%
24 - 48 month+ $500 $500 0.55% 0.55%
48 month and over+ $500 $500 1.00% 1.00%
18 month multiple deposit+^ $100 $100 0.70% Variable 0.70% Variable
Jumbo Certificate $100,000 $100,000 Quoted Daily Quoted Daily
+ A penalty will be imposed for early withdrawals
^ The interest rate and annual percentage yield may change after account opening
*Daily balance is the amount of the principal in the account each day.