APY = Annual Percentage Yield. Rates effective as of 6/1/2017. Fees may reduce earnings.

Kasasa Cash*Learn More

Balance Rate APY
0 - $10,000 2.47% 2.50%
$10,000+ 0.25% 2.50 to 0.45%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle: 

  • At least 1 direct deposit, ACH payment, or bill pay transaction
  • At least 12 debit card purchases
  • Be enrolled in and log into online banking 

And if for some reason you don’t qualify one month, don’t worry. Your account is still free, and you’ll still earn our base dividend rate. You can get back to earning your full rewards the very next month.

Kasasa Saver*Learn More

Balance Rate APY
0 - $25,000 1.00% 1.00%
$25,000+ 0.25% 1.00 to 0.40%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH payment, or bill pay transaction
  • At least 12 debit card purchases
  • Be enrolled in and log into online banking

And if for some reason you don’t qualify one month, don’t worry. Your Kasasa® accounts are still free and you’ll still earn our base dividend rate on Kasasa Saver. Then you can get back to earning your full rewards the very next month.

Term CertificatesLearn More

Term Minimum Balance Rate APY
3 Month  $500 0.05% 0.05%
6 Month $500 0.10% 0.10%
1 Year  $500 0.15% 0.15%
18 Month $500 0.20% 0.20%
24 Month $500 0.30% 0.30%
36 Month $500 0.35% 0.35%
36 Month $25,000 0.40% 0.40%
36 Month $50,000 0.45% 0.45%
48 Month $500 0.40% 0.40%
48 Month $25,000 0.45% 0.45%
48 Month $50,000 0.50% 0.50%
60 Month $500 0.45% 0.45%
60 Month $25,000 0.50% 0.50%
60 Month $50,000 0.55% 0.55%
Cubby & FYI: 1 Year Fixed $100 0.25% 0.25%

Penalty for early withdrawal. Certificate dividends compounded monthly.

Coverdell ESA Certificate

Term Minimum Balance Rate APY
1 Year Fixed $100 0.20% 0.20%
1 Year Fixed $500 0.25% 0.25%
2 Year Fixed $500 0.50% 0.50%
3 Year Fixed $500 0.65% 0.65%
4 Year Fixed $500 0.80% 0.80%
5 Year Fixed $500 1.24% 1.25%

Penalty for early withdrawal. Certificate dividends compounded monthly.

Traditional/ROTH IRA CertificatesLearn More

Term Minimum Balance Rate APY
1 Year Variable $500 0.15% 0.15%
1 Year Fixed $500 0.25% 0.25%
2 Year Fixed $500 0.50% 0.50%
3 Year Fixed $500 0.65% 0.65%
4 Year Fixed $500 0.80% 0.80%
5 Year Fixed $500 1.24% 1.25%

Penalty for early withdrawal. Certificate dividends compounded monthly.

IRA SEP CertificatesLearn More

Term Minimum Balance Rate APY
1 Year Fixed $500 0.35% 0.35%
2 Year Fixed $500 0.50% 0.50%
3 Year Fixed $500 0.65% 0.65%
4 Year Fixed $500 0.80% 0.80%
5 Year Fixed $500 1.24% 1.25%

Penalty for early withdrawal. Certificate dividends compounded monthly.

Share Accounts

Account Minimum Balance Rate APY
Regular Shares $25 0.02% 0.02%
Youth Shares $25 0.02% 0.02%
Second Share $0 0.02% 0.02%
Montana Medical Savings $0 0.02% 0.02%
1st Time Home Buyers Savings $0 0.02% 0.02%
Christmas Club $0 0.03% 0.03%
Strategic Savers $5 0.03% 0.03%
High Yield Checking $0 0.05% 0.05%
Health Savings Account (HSA) $0 0.50% 0.50%

Wealth Builder AccountsLearn More

Type Minimum Balance Rate APY
Wealth Builder Savings $25 0.25% 0.25%
Wealth Builder CD (1 Year) $500 0.50% 0.50%
Sky High Wealth Builder Plus $2,500 0.50% 0.50%
Sky High Wealth Builder Plus $20,000+ 0.03% 0.03%

Borrow & Save SavingsLearn More

Balance Rate APY
$25 - $1,200 0.10% 0.10%
$1,201 - $2,400 0.15% 0.15%
$2,401 - $3,600 0.25% 0.25%
$3,601 - $4,800 0.30% 0.30%
$4,801 - $6,000 0.40% 0.40%
$6,001+ 0.50% 0.50%

Money MarketLearn More

Minimum Balance Rate APY
$1,000 - $9,999 0.03% 0.03%
$10,000 - $24,999 0.03% 0.03%
$25,000 - $49,999 0.03% 0.03%
$50,000 - $99,999 0.05% 0.05%
$100,000+ 0.10% 0.10%

Premier Money MarketLearn More

Minimum Balance Rate APY
$25,000 - $49,999 0.05% 0.05%
$50,000 - $99,999 0.10% 0.10%
$100,000 - $149,999 0.10% 0.10%
$150,000 - $199,999 0.10% 0.10%
$200,000+ 0.15% 0.15%

Sky High Money MarketLearn More

Minimum Balance Rate APY
$15,000 - $24,999 0.15% 0.15%
$25,000 - $49,999 0.15% 0.15%
$50,000 - $99,999 0.20% 0.20%
$100,000 - $249,999 0.30% 0.30%
$250,000+ 0.40% 0.40%

Secured/Unsecured Loans

Type Maximum Term Fixed Rate APR
Secured Collateral - 2015 & newer 36 months As low as 1.99%
Secured Collateral - 2015 & newer 60 months As low as 2.49%
Secured Collateral - 2015 & newer 72 months^ As low as 3.24%
Secured Collateral - 2007 - 2014 36 months As low as 2.99%
Secured Collateral - 2007 - 2014 60 months As low as 3.49%
Secured Collateral - 2007 - 2014 72 months^ As low as 4.24%
Secured Collateral - 2002 - 2006 36 months As low as 3.99%
Secured Collateral - 2002 - 2006 60 months As low as 4.49%
Secured Collateral - 2002 - 2006 72 months^ As low as 5.24%
Secured Collateral - 2001 and older 60 months As low as 7.95%
Unsecured Personal Loan 60 months As low as 7.95%

APR is defined as Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral. Payment example: based on a $20,000 loan and collateral 2015 and newer: $572.82 at 1.99% APR with a 36 month term; $354.91 at 2.49% APR with a 60 month term; $306.08 at 3.24% with a 72 month term. Your APR may differ based on: loan amount, repayment method and other factors

^ Longer terms available. Contact the Loan department for details.

Other Loans

Type Rate Notes
Overdraft Protection 13.25% Adjustable rate
Line of Credit 12.50% Adjustable rate
Share Secured 5.00% Adjustable rate
Visa Credit Card 10.90% - 18.00% Fixed rate based on credit score and credit approval
Home Loans Varies Contact us at 406-222-1750 or email us for current rates
Business Loans Varies Contact us at 406-587-1750 or email Kris or Roger