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.

Today’s Featured Rates

Kasasa Cash
4.00% APY*
Details
Auto Loans
as low as 5.49% APR
Details
3-Month Share Certificate
3.80% APY*
Details
12-Month Jumbo Share Certificate
4.00% APY*
Details

Deposit Rates

TypeMinimumRateAPY*
Regular Share Savings$5.000.10%0.10%
WINcentive Share Savings$5.000.10%0.10%
IRA Shares$ —0.15%0.15%
YES Checking (Share Draft Account)$ —0.00%0.00%
Health Savings Account$ —0.05%0.05%
Rates last confirmed July 28, 2024
*Qualifications apply. See branch representative for details.
TypeMinimumRateAPY*
Kasasa Cash*Up to $15,000 | Over $15,0003.93% | 0.25%4.00% | 0.25%
Kasasa Saver*Up to $100,000 | Over $100,0001.98% | 0.25%2.00% | 0.25%
Rates last confirmed May 1, 2024
*Required to earn dividends
TypeMinimumRateAPY*
Money Market Account$1,000*0.50%0.50%
Rates last confirmed July 28, 2024
TypeMinimumRateAPY*
3-Month Share Certificate$5003.74%3.80%
6-Month Share Certificate$5003.74%3.80%
12-Month Share Certificate$5003.74%3.80%
18-Month Share Certificate$5003.35%3.40%
24-Month Share Certificate$5003.44%3.50%
Jumbo 6-Month Share Certificate$50,0004.07%4.15%
Jumbo 12-Month Share Certificate$100,0003.93%4.00%
Jumbo 18-Month Share Certificate$100,0003.54%3.60%
36-Month Share Certificate Step Up$5002.96%3.00%
60-Month Share Certificate Step Up$5002.96%3.00%
1-Year Youth Certificate$1003.93%4.00%
Rates last confirmed December 20, 2024
TypeMinimumRateAPY*
Business Checking$500 and up0.10%0.10%
Business Checking$5,000 to $10,0000.20%0.20%
Business Checking$10,000 and up0.30%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 TermAPR*
36 Monthsas low as 5.49%
48 Monthsas low as 5.49%
60 Monthsas low as 5.49%
72 Monthsas low as 5.99%
84 Monthsas low as 5.99%

Used Vehicles – 2022 and older

36 Monthsas low as 5.49%
48 Monthsas low as 5.49%
60 Monthsas low as 5.49%
72 Monthsas 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 TermAPR*
60 Monthsas 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 TermAPR*
60 Monthsas low as 7.49%
72 Monthsas low as 7.99%
84 Monthsas 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

TypeAPR*
Lifestyle/Signature – Up to $15,000as 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

TypeAPR*
Park Side VISA Plusas low as 13.50%
Park Side VISA Premium Rewardsas low as 16.50%
Rates last confirmed January 29, 2024

Mortgages

TypeAPR*
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