Loan Rates

Loan Rates as of 11/19/2018

Type Maximum Terms APR*
Vehicle Loans**
New (2015 - 2019) 84 months As low as 4.24% for 60 mos.
Used (2011 - 2014) 72 months As low as 4.74% for 60 mos.
Older (2010 or older) 60 months As low as 5.74% for 60 mos.
Recreational Vehicle Loans**
New (2012 - 2019) 180 months As low as 5.24% for 60 mos.
Older (2011 or older) 120 months As low as 6.75% for 60 mos.
Boat/Motor/Motorcycle/Trailer Loans**
New (2012 - 2019) 180 months As low as 5.74% for 60 mos.
Used (2011 or Older) 120 months As low as 7.24% for 60 mos.
Mobile Home Loans**
New (2012 - 2019) 180 months As low as 7.25% for 84 mos.
Used (2011 or Older) 84 months As low as 7.25% for 84 mos.
Share Secured Loans**
Regular Shares 144 months 2.50%
Share Certificates Term cannot exceed the term of the certificate. 2.00% above certificate rate, rounded up to nearest .25%
Personal Loans**
60 months As low as 8.24% to 16.00%
Mortgage Loans***
Home Equity Line of Credit -Variable 180 months As low as 5.00%
In-House Mortgage and Secondary Market Programs Available Various Call now for current market rates
Home Equity - Fixed 60 months As low as 4.25%
Home Equity - Fixed 120 months As low as 5.00%
Home Equity - Fixed 180 months As low as 5.75%
Construction Loan 12 months As low as 5.50%
5/5/5 ARM 5/15 variable As low as Prime - .50%
10 Year Fixed - Fully Amortizing 120 months As low as 3.59%
Agriculture/Commercial Loans

Contact a Commercial Loan Officer for Current Rates

To ensure you have the most current rates, please use your browser’s refresh button to update this page. * APR = Annual Percentage Rate. ** To ensure you have the most current rates, please use your browser’s refresh button to update this page. * APR = Annual Percentage Rate. Rates effective as stated above. Rates are subject to change without notice. Rates determined on approved credit. Terms of repayment for a loan at a 6.55% interest rate would be $30.68 per $1,000 borrowed. *** To ensure you have the most current rates, please use your browser’s refresh button to update this page. * APR = Annual Percentage Rate. Rates effective as stated above. Rates are subject to change without notice. Rates determined on approved credit. Terms of repayment for a loan at a 6.55% interest rate would be $30.68 per $1,000 borrowed. Real estate loans are available on Montana residences only. HELOC Rates – Rate may change after account is opened. APR will vary at Prime Rate as published in the Wall Street Journal. APR will not exceed 18.00%. Minimum credit limit is $5,000, maximum is $150,000. Minimum payment is 1% of the outstanding balance at the last advance with a minimum of $50. A processing fee of $400 applies to cover closing costs. There are no fees for advances.

Visa Card Summary Terms and Conditions
Annual Percentage Rate 13.90% APR
Grace Period for Purchases 25 Days
Annual Fee None
Minimum Finanace Charge None
Method of Computing the Balance for Purchase Average Daily Balance (including new purchase)
Late Fee up to $35.00
Over the Credit Limit Fee $25.00 per billing cycle, if applicabe
Cash Advance Transaction Fee None
Foreign Transaction Fee (effective February 1,2014) 1% if dollar amount of transaction

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