Other Account Types

We offer three different types of Individual Retirement Accounts (IRAs): Traditional, Roth, and SEP. Each account offers a competitive variable market rate and an annual paper* or paperless statement.

*Paper statement fee applies for balances under $5,000. See our Fee Schedule (PDF) for details.

A Coverdell Education Savings Account (CESA) is a nondeductible savings account that features tax free withdrawals of contributions and earnings for a child’s education. Each account offers a competitive variable market rate and an annual paper* or paperless statement.

*Paper statement fee applies for balances under $5,000. See our Fee Schedule (PDF) for details.

Used in conjunction with high-deductible insurance plans, Health Savings Accounts (HSAs) allow customers to save money for medical expenses free of taxes. HSA accounts feature a competitive market interest rate, an HSA Debit Card, and an annual paper* or paperless statement. These accounts are self-administered, meaning the bank does not track expenses or deposits on the customer’s behalf.

*Paper statement fee applies for balances under $5,000. See our Fee Schedule (PDF) for details.

Montana Medical Savings accounts allow customers to save for certain medical expenses with a reduced Montana State tax burden. These accounts are self-administered, meaning the bank does not track expenses or deposits on the customer’s behalf.

Also known as time deposits, certificates of deposit (CDs) are available with a variety of maturity terms to suit your financial needs. We offer competitive market rates. CDs are strong, safe investments.