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Rates
Yes to the best rates
Credit unions are known around the world for offering better rates and lower fees – Park Side is committed to that same philosophy. Credit card, mortgage, and auto loan rates as low as possible, high-interest checking and share certificate rates that maximize your investment, all stretching the boundaries of your personal financial freedom. Our rates are updated regularly based on market trends and the economic environment, so please check back often.
*Qualifications apply. See branch representative for details.
Type
Minimum
Rate
APY*
Kasasa Cash*
Up to $15,000 | Over $15,000
3.93% | 0.25%
4.00% | 0.25%
Kasasa Saver*
Up to $100,000 | Over $100,000
1.98% | 0.25%
2.00% | 0.25%
Rates last confirmed May 1, 2024
*Required to earn dividends
Type
Minimum
Rate
APY*
Money Market Account
$1,000*
0.50%
0.50%
Rates last confirmed July 28, 2024
Type
Minimum
Rate
APY*
3-Month Share Certificate
$500
4.22%
4.30%
6-Month Share Certificate
$500
4.02%
4.10%
12-Month Share Certificate
$500
3.93%
4.00%
18-Month Share Certificate
$500
3.64%
3.70%
24-Month Share Certificate
$500
3.44%
3.50%
Jumbo 6-Month Share Certificate
$50,000
4.22%
4.30%
Jumbo 12-Month Share Certificate
$100,000
4.12%
4.20%
Jumbo 18-Month Share Certificate
$100,000
3.83%
3.90%
36-Month Share Certificate Step Up
$500
2.96%
3.00%
60-Month Share Certificate Step Up
$500
2.96%
3.00%
1-Year Youth Certificate
$100
3.93%
4.00%
Rates last confirmed November 15, 2024
Type
Minimum
Rate
APY*
Business Checking
$500 and up
0.10%
0.10%
Business Checking
$5,000 to $10,000
0.20%
0.20%
Business Checking
$10,000 and up
0.30%
0.30%
Rates last confirmed July 28, 2024
Dividends accrue daily and are paid monthly, based on dividends declared monthly by the Board of Directors. Fees and other conditions may reduce earnings on the account. *Annual Percentage Yield. Rates subject to change without notice. Early withdrawal penalty for certificates: Certificate term 12 months or less – 90-day interest penalty. Certificate term over 1 year – 180-day interest penalty.
Loan Rates
New Vehicles – 2023-’25 models
Max Term
APR*
36 Months
as low as 5.49%
48 Months
as low as 5.49%
60 Months
as low as 5.49%
72 Months
as low as 5.99%
84 Months
as low as 5.99%
Used Vehicles – 2022 and older
36 Months
as low as 5.49%
48 Months
as low as 5.49%
60 Months
as low as 5.49%
72 Months
as low as 5.99%
84 Months (2018 and newer, loan over $20,000, mileage restrictions))
as low as 5.99%
Rates last confirmed November 20, 2024
Personal Rec. Vehicles, ATV, UTV, Watercraft, Motorcycle, Snowmobile
Max Term
APR*
60 Months
as low as 7.49%
72 Months (2022 and newer, loan over $15,000)
as low as 7.49%
Rates last confirmed November 20, 2024
RVs / Boats
Max Term
APR*
60 Months
as low as 7.49%
72 Months
as low as 7.99%
84 Months
as low as 7.99%
96-144 Months (2020 and newer, loan over $15,000)
as low as 7.99%
Rates last confirmed November 20, 2024
Shares / Certificates
Type
APR*
Lifestyle/Signature – Up to $15,000
as low as 12.50%
Share/Certificate Secured
2% above the rate of the shares, rounded to the nearest whole rate
Rates last confirmed November 20, 2024
VISA Cards
Type
APR*
Park Side VISA Plus
as low as 13.50%
Park Side VISA Premium Rewards
as low as 16.50%
Rates last confirmed January 29, 2024
Mortgages
Type
APR*
15 year fixed rate – Primary Residence Only
Call for Pricing
20 year fixed rate – Primary Residence Only
Call for Pricing
5/5 ARM
Call for Pricing
Home Equity
180 Months – up to 85% LTV 5-year draw period
Primary Residence Only – Call for Pricing
Rates last confirmed October 23, 2023
Contact a Loan Officer for more rates and product information: Flathead Valley – 406.862.2652 Missoula – 406.728.4475 APR = Annual Percentage Rate. *Rates subject to change without notice. OAC = On approved credit Equal Housing Opportunity NMLS #690806
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