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
3-Month Share Certificate
6-Month Jumbo Share Certificate
Deposit Rates
| Type | Minimum | Rate | APY* |
|---|
| Regular Share Savings | $5.00 | 0.10% | 0.10% |
| WINcentive Share Savings | $5.00 | 0.10% | 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, 2023
*Qualifications apply. See branch representative for details.
| Type | Minimum | Rate | APY* |
|---|
| Kasasa Cash* | Up to $15,000 | Over $15,000 | 2.96% | 0.25% | 3.00% | 0.25% |
| Kasasa Saver* | Up to $100,000 | Over $100,000 | 1.24% | 0.25% | 1.25% | 0.25% |
Rates last confirmed July 28, 2023
*Required to earn dividends
| Type | Minimum | Rate | APY* |
|---|
| Money Market Account | $1,000* | 0.50% | 0.50% |
Rates last confirmed July 28, 2023
| Type | Minimum | Rate | APY* |
|---|
| 3-Month Share Certificate | $500 | 4.89% | 5.00% |
| 6-Month Share Certificate | $500 | 4.17% | 4.25% |
| 12-Month Share Certificate | $500 | 3.93% | 4.00% |
| 18-Month Share Certificate | $500 | 3.69% | 3.75% |
| 24-Month Share Certificate | $500 | 3.69% | 3.75% |
| Jumbo 6-Month Share Certificate | $50,000 | 4.65% | 4.75% |
| Jumbo 12-Month Share Certificate | $100,000 | 4.41% | 4.50% |
| Jumbo 18-Month Share Certificate | $100,000 | 4.17% | 4.25% |
| 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 January 1, 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, 2023
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. A penalty will or may be imposed for early withdrawal on share certificates.
Loan Rates
New Vehicles – 2023-’25 models
| Max Term | APR* |
|---|
| 36 Months | as low as 6.74% |
| 48 Months | as low as 6.74% |
| 60 Months | as low as 6.74% |
| 72 Months | as low as 7.24% |
| 84 Months | as low as 7.74% |
Used Vehicles – 2022 and older
| 36 Months | as low as 7.24% |
| 48 Months | as low as 7.24% |
| 60 Months | as low as 7.24% |
| 72 Months | as low as 7.74% |
| 84 Months (2019 and newer, loan over $20,000) | as low as 8.24% |
Rates last confirmed March 1, 2024
Personal Rec. Vehicles, ATV, UTV, Watercraft, Motorcycle, Snowmobile
| Max Term | APR* |
|---|
| 60 Months | as low as 8.74% |
| 72 Months (2021 and newer, loan over $15,000) | as low as 8.74% |
Rates last confirmed March 1, 2024
RVs / Boats
| Max Term | APR* |
|---|
| 60 Months | as low as 8.74% |
| 72 Months | as low as 9.24% |
| 84 Months | as low as 9.24% |
| 96-144 Months (2019 and newer, loan over $15,000) | as low as 9.24% |
Rates last confirmed March 1, 2024
Shares / Certificates
| Type | APR* |
|---|
| Lifestyle/Signature – Up to $15,000 | as low as 13.75% |
| Share/Certificate Secured | 2% above the rate of the shares, rounded to the nearest whole rate |
Rates last confirmed October 23, 2023
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
