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
5.84% APR
Details
6-Month Share Certificate
3.60% APY*
Details
12-Month Jumbo Share Certificate
3.65% 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$5003.78%3.85%
6-Month Share Certificate$5003.54%3.60%
12-Month Share Certificate$5003.44%3.50%
18-Month Share Certificate$5003.40%3.45%
24-Month Share Certificate$5003.54%3.60%
Jumbo 6-Month Share Certificate$50,0003.69%3.75%
Jumbo 12-Month Share Certificate$100,0003.59%3.65%
Jumbo 18-Month Share Certificate$100,0003.54%3.60%
36-Month Share Certificate Step Up$5003.54%3.60%
60-Month Share Certificate Step Up$5003.54%3.60%
1-Year Youth Certificate$1004.51%4.60%
Rates last confirmed October 31, 2025
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 – 2024-’26 models

Max TermAPR*
36 Months5.84%
48 Months5.84%
60 Months5.84%
72 Months6.34%
84 Months6.59%

Used Vehicles – 2023 and older

36 Months5.84%
48 Months5.84%
60 Months5.84%
72 Months6.34%
84 Months 6.59%
Rates last confirmed October 31, 2025

Personal Rec. Vehicles, ATV, UTV, Watercraft, Motorcycle, Snowmobile

Max TermAPR*
60 Months7.84%
72 Months 7.84%
Rates last confirmed October 31, 2025

RVs / Boats

Max TermAPR*
60 Months8.09%
72 Months8.59%
84 Months8.59%
96-144 Months (2021 and newer, loan over $15,000)8.59%
Rates last confirmed October 31, 2025

Shares / Certificates

TypeAPR*
Lifestyle/Signature – Up to $15,00011.09%
Share/Certificate Secured 2% above the rate of the shares, rounded to the nearest whole rate
Rates last confirmed October 31, 2025

VISA Cards

TypeAPR*
Park Side VISA Plusas low as 12.50%
Park Side VISA Premium Rewardsas low as 15.50%
Rates last confirmed May 1, 2025

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 January 17, 2025

Ask about our relationship discount for an additional 0.60% off select product(s).
Contact a Loan Officer for more rates and product information:
Flathead Valley – 406.862.2652 | Missoula – 406.728.4475
*Rates subject to change without notice. Term subject to limitations.
APR = Annual Percentage Rate. OAC = On approved credit
Equal Housing Opportunity NMLS #690806