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 |
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.
**** 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%.
