Deposit Rates

Interest rates and Annual Percentage Yield (APY) are subject to change. Fees applicable to the account type may reduce the earnings on the account. Rates are effective as of July 10, 2026.

Certificates of Deposit

TERMS MIN. DEPOSIT REQUIRED		*MIN. DAILY BALANCE TO OBTAIN APY**	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)
1 to under 3 months⁺	$500	$500	0.85%	0.85%
3 to under 6 months⁺	$500	$500	1.10%	1.10%
6 to under 12 months⁺	$500	$500	1.35%	1.35%
12 to under 24 months⁺	$500	$500	2.00%	2.01%
24 to under 48 months⁺	$500	$500	1.80%	1.81%
48 months and over⁺	$500	$500	1.85%	1.86%
18 month multiple deposit^{+^}	$100	$100	1.65% Variable	1.65% Variable
Jumbo Certificate	$100,000	$100,000	Quoted Daily	Quoted Daily

**CERTIFICATES OF DEPOSIT SPECIALS

Now offering CD specials. Minimum deposit of $500. Quoted Daily.

RATES WITH DIRECT DEPOSIT
3 through 6 months⁺	$500	$500	2.70%	2.73%
7 through 8 months⁺	$500	$500	2.85%	2.87%
RATES WITH NO DIRECT DEPOSIT
3 through 6 months+	$500	$500	1.95%	1.96%
7 through 8 months+	$500	$500	2.10%	2.11%

**To receive the disclosed direct deposit interest rate/APY, you must maintain a separate account with a qualifying direct deposit received from a person or organization into the separate account. Qualifying direct deposits include payroll, government (such as Social Security) and dividend Direct Deposits from investment accounts. Does not include P2P transactions. If at renewal you are no longer receiving direct deposit in any of your other accounts with us, the time deposit will revert to the then current applicable interest rate without the direct deposit special.
⁺ 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.

Personal Checking

ACCOUNT TYPE	MIN. DEPOSIT REQUIRED	*MIN. DAILY BALANCE TO OBTAIN APY**	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)
Freedom Plus^	$50	$1	0.01%	0.01%
Interest Checking^	$1,000	$1,000	0.01%	0.01%

Money Market

TIERS	MIN. DEPOSIT REQUIRED	*MIN. DAILY BALANCE TO OBTAIN APY**	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)
$0 - 999.99	-	-	-	-
$1,000.00 - $24,999.99^	$1,000	$1,000	0.25%	0.25%
$25,000.00 - $49,999.99^	$1,000	$25,000	0.25%	0.25%
$50,000.00 - $99,999.99^	$1,000	$50,000	0.25%	0.25%
$100,000.00+^	$1,000	$100,000	0.25%	0.25%

Savings Accounts

ACCOUNT TYPE	MIN. DEPOSIT REQUIRED	*MIN. DAILY BALANCE TO OBTAIN APY**	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)
Health Savings^	$100	$1	0.15%	0.15%
Montana Medical Savings^	$100	$1	0.25%	0.25%
Personal Savings^	$50	$50	0.25%	0.25%
Holiday Savings^	$50	$50	0.75%	0.75%