Loan Rates

Loan Rates in effect 11/23/09

Type Term APR*
Vehicle Loans**
2009 or Newer 60 months As low as 5.25%
2009 or Newer 84 months As low as 6.50%
’02 - ’08 60 months As low as 5.25%
older than ’02 48 months As low as 6.70%
Recreational Vehicle Loans**
2009 or Newer 180 months As low as 7.25%
Older than 2008 84 months As low as 6.50%
     
Boat / Motor Home / Motorcycles / Trailer Loans**
  60 months As low as 5.90%
Loans over $12,000 120 months As low as 7.15%
     
Mobile Home Loans**
New & Used 180 months As low as 8.75%
     
Share Secured Loans**
Regular Shares 144 months 4.50%
Share Certificates 2.00% above certificate rate, rounded up to nearest .25%
     
Personal Loans**
  60 months As low as 8.75% to 18.00%
     
Mortgage Loans***
In-House Mortgage and Secondary Market Programs Available Various Call for current market rates
Home Equity Line of Credit
-Variable ****
180 months As low as Prime
(4.25% floor)
Home Equity - Fixed 60 months As low as 5.35%
Home Equity - Fixed 120 months As low as 6.35%

Home Equity - Fixed

180 months

As low as 7.10%

Construction Loan

12 months max

As low as 7.25%

Agriculture/Commercial Loans**
Contact a Commercial Loan Officer for Current Rates

 

VISA Credit Cards**

Visa Card Summary of Terms and Conditions
Annual Percentage Rate 11.90% APR
Grace Period for Purchases 25 Days
Annual Fee None
Minimum Finance Charge None
Method of Computing the
Balance for Purchases
Average Daily Balance
(including new purchases)
Late Fee $29.00
Over the Credit Limit Fee $29.00 per billing cycle
Cash Advance Transaction Fee None

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* 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.

**** 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%.