PERSONAL ACCOUNTs RATE SHEET

Current Rates

This Rate Chart contains information about interest rates and annual percentage yields for some of the accounts we offer.

Freedom Interest Checking

Minimum Opening Deposit: $500

Minimum Balance to Obtain Annual Percentage Yield (APY): $1,500¹

The interest rate and annual percentage yield may change after account opening.

Daily Balance

Interest Rate

APY

$1,500.00 - $4,999.99

0.05%

0.05%

$5,000.00- $24,999.99

0.06%

0.06%

$25,000.00 - $49,999.99

0.10%

0.10%

$50,000.00 and up

0.15%

0.15%

Eagle 50 Checking

Minimum Opening Deposit: $50

Minimum Balance to Obtain Annual Percentage Yield (APY): $1,500¹

The interest rate and annual percentage yield may change after account opening.

Daily Balance

Interest Rate

APY

$1,500.00 - $4,999.99

0.05%

0.05%

$5,000.00- $24,999.99

0.06%

0.06%

$25,000.00 - $49,999.99

0.10%

0.10%

$50,000.00 and up

0.15%

0.15%

HSA Freedom Interest Checking

Minimum Opening Deposit: $500

Minimum Balance to Obtain Annual Percentage Yield (APY): $500¹

The interest rate and annual percentage yield may change after account opening.

Daily Balance

Interest Rate

APY

$500.00 - $1,499.99

0.50%

0.50%

$1,500.00- $4,999.99

0.75%

0.75%

$5,000.00 - $24,999.99

1.25%

1.26%

$25,000.00 - $99,999.99

1.75%

1.76%

$100,000.00 and up

2.75%

2.78%

Personal Money Market

Minimum Opening Deposit: $1,000

Minimum Balance to Obtain Annual Percentage Yield (APY): $500¹

The interest rate and annual percentage yield may change after account opening.

Daily Balance

Interest Rate

APY

$500.00 - $1,499.99

0.50%

0.50%

$1,500.00- $4,999.99

0.75%

0.75%

$5,000.00 - $24,999.99

1.25%

1.26%

$25,000.00 - $99,999.99

1.75%

1.76%

$100,000.00 and up

2.75%

2.78%

Freedom Savings

Minimum Opening Deposit: $50

The interest rate and annual percentage yield may change after account opening.

Interest Rate

APY

1.00%

1.01%

Patriot Savings (Under 18)

Minimum Opening Deposit: $10

The interest rate and annual percentage yield may change after account opening.

Interest Rate

APY

1.00%

1.01%

IRA Savings

Account Product Name

Interest rate

APY

IRA Savings 12 month 

• Minimum Opening Deposit: $500

• Minimum Balance to Obtain Annual Percentage Yield (APY): $500.00¹

3.25%

3.30%

IRA Savings 18 month

• Minimum Opening Deposit: $500

• Minimum Balance to Obtain Annual Percentage Yield: $500.00¹

3.50%

3.56%

CERTIFICATES OF DEPOSIT

A penalty may be imposed for early withdrawal on all cDs.

Type of CD Account

Interest Rate

APY

6 Month CD Under $10,000.00

• Minimum Opening Deposit: $500

• Minimum Balance to Obtain Annual Percentage Yield (APY): $500¹

2.50%

2.53%

6 Month CD $10,000.00 and Up

• Minimum Opening Deposit: $10,000

• Minimum Balance to Obtain Annual Percentage Yield: $10,000¹

3.00%

3.04%

12 Month CD Under $10,000.00

• Minimum Opening Deposit: $500

• Minimum Balance to Obtain Annual Percentage Yield: $500¹

3.25%

3.30%

12 Month CD $10,000.00 and Up

• Minimum Opening Deposit: $10,000

• Minimum Balance to Obtain Annual Percentage Yield: $10,000¹

3.50%

3.56%

18 Month CD Under $10,000.00

• Minimum Opening Deposit: $500

• Minimum Balance to Obtain Annual Percentage Yield: $500¹

3.00%

3.04%

18 Month CD $10,000.00 and Up

• Minimum Opening Deposit: $10,000

• Minimum Balance to Obtain Annual Percentage Yield: $10,000¹

3.25%

3.30%

24 Month CD Under $10,000.00

• Minimum Opening Deposit: $500

• Minimum Balance to Obtain Annual Percentage Yield: $500¹

2.75%

2.78%

24 Month CD $10,000.00 and Up

• Minimum Opening Deposit: $10,000

• Minimum Balance to Obtain Annual Percentage Yield: $10,000¹

3.00%

3.04%

¹ Daily balance. The amount of the principal in the account each day.

Fees could reduce the earnings on the account.

Interest Rates and Annual Percentage Yields are current as of December 11, 2025 and subject to change.

For current rate information, call 406-892-1776 or stop in at our location in Columbia Falls.