SYSTEM MAINTENANCE: Our mobile app, online/phone banking, & ATMs may be temporarily unavailable from 7:30pm to 10:30pm on Tuesday, July 8th
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
3.99%
4.06%
6-Month Share Certificate
$500
3.99%
4.06%
12-Month Share Certificate
$500
3.44%
3.50%
18-Month Share Certificate
$500
3.35%
3.40%
24-Month Share Certificate
$500
3.54%
3.60%
Jumbo 6-Month Share Certificate
$50,000
3.99%
4.06%
Jumbo 12-Month Share Certificate
$100,000
3.64%
3.70%
Jumbo 18-Month Share Certificate
$100,000
3.54%
3.60%
36-Month Share Certificate Step Up
$500
3.54%
3.60%
60-Month Share Certificate Step Up
$500
3.54%
3.60%
1-Year Youth Certificate
$100
4.51%
4.60%
Rates last confirmed June 2, 2025
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 – 2024-’26 models
Max Term
APR*
36 Months
as low as 5.24%
48 Months
as low as 5.24%
60 Months
as low as 5.24%
72 Months
as low as 5.74%
84 Months
as low as 5.99%
Used Vehicles – 2023 and older
36 Months
as low as 5.24%
48 Months
as low as 5.24%
60 Months
as low as 5.24%
72 Months
as low as 5.74%
84 Months (2019 and newer, loan over $20,000, mileage restrictions))
as low as 5.99%
Rates last confirmed May 1, 2025
Personal Rec. Vehicles, ATV, UTV, Watercraft, Motorcycle, Snowmobile
Max Term
APR*
60 Months
as low as 7.24%
72 Months (2023 and newer, loan over $15,000)
as low as 7.24%
Rates last confirmed May 1, 2025
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 (2021 and newer, loan over $15,000)
as low as 7.99%
Rates last confirmed May 1, 2025
Shares / Certificates
Type
APR*
Lifestyle/Signature – Up to $15,000
as low as 10.49%
Share/Certificate Secured
2% above the rate of the shares, rounded to the nearest whole rate
Rates last confirmed May 1, 2025
VISA Cards
Type
APR*
Park Side VISA Plus
as low as 12.50%
Park Side VISA Premium Rewards
as low as 15.50%
Rates last confirmed May 1, 2025
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 January 17, 2025
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
You are now leaving Park Side Credit Union’s website.
