Savings

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AccountsRegularMarket RateCitizens Plus
Compare Our Savings Options

Minimum Balance

Daily Minimum Balance of $200.00

Daily Minimum Balance of $1000.00

Daily Minimum Balance of $2500.00

Maintenance Charge

A fee of $3.00 is charged if you do not meet the Minimum Daily Balance during your statement cycle.

A fee of $10.00 is charged if you do not meet the Minimum Daily Balance during your statement cycle.

A fee of $20.00 is charged if you do not meet the Minimum Daily Balance during your statement cycle.

Unlimited Deposits

Yes

Yes

Yes

Additional Terms

Please call (406) 932-5311 to obtain current rate information. The interest rate and annual percentage yield may change daily. At our discretion, we may change the interest rate for this account.

Transfers from a regular savings account to another account or to third parties by pre-authorized, automatic, or telephone transfer are limited to six per month with no transfers by check, draft, debit card or similar order to third parties.

An excess withdrawal fee of $2.00 will be charged if you are in excess of the transaction limitations listed above.

At our discretion, we may change the interest rate for this account. Please call (406) 932-5311 to obtain current rate information. The interest rate and annual percentage yield may change daily.

Transfers from a Market Rate Savings account to another account or to third parties by pre-authorized, automatic, or telephone transfer are limited to six per month with no more than six by check or similar order to third parties.

An excess withdrawal fee of $2.00 will be charged if you are in excess of the transaction limitations listed above.

Please call (406) 932-5311 to obtain current rate information. At our discretion, we may change the interest rate for this account..
Tier 1 - If your average daily balance is less than or equal to $9,999.99, an interest rate will be paid on the entire balance in your account with an annual percentage yield (APY). Please call for current rates
Tier 2 - If your average daily balance is $10,000.00 or more, but less than or equal to $49,999.99, an interest rate will be paid on the entire balance in your account with an annual percentage yield (APY). Please call for current rates.
Tier 3 - If your average daily balance is $50,000.00 or more, but less than or equal to $99,999.99, an interest rate will be paid on the entire balance in your account with an annual percentage yield (APY). Please call for current rates.
Tier 4 - If your average daily balance is $100,000.00 or more, an interest rate will be paid on the entire balance in your account with an annual percentage yield (APY). Please call for current rates.
The interest rates and annual percentage yields may change daily.

Transfers from a Citizens Plus savings account to another account or to third parties by telephone transfer or teller transaction are limited to six per month with no transfers by check, draft, debit card, or similar order to third parties.

An excess withdrawal fee of $2.00 will be charged if you are in excess of the transaction limitations listed above.

Compounding frequency - Interest will be compounded monthly. 
Crediting frequency - Interest will be credited into this account monthly.
Average daily balance computation method ‑ Interest is calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is monthly.
Accrual of interest on non-cash deposits - Interest will begin to accrue on the business day you deposit non-cash items (for example, checks) into your account.

Individual Retirement Accounts (IRA)

  • Rate information - At our discretion, we may change the interest rate for this account. Please call (406) 932-5311 to obtain current rate information. The interest rate and annual percentage yield may change quarterly.
  • Compounding frequency - Interest will be compounded quarterly.
  • Crediting frequency - Interest will be credited into this account quarterly.
  • Average daily balance computation method - Interest is calculated by the average daily balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use to make this calculation is quarterly.
  • Accrual of interest on non-cash deposits - Interest will begin to accrue on the business day you deposit non-cash items (for example, checks) into your account.
  • Minimum balance to open - The minimum balance required to open this account is $250.00.
  • Deposit limitations - You may make unlimited deposits into your account.
  • Withdrawal limitations - If you are 59.5 or older, you may arrange to have periodic transfers from this account to your checking or savings account. Transfers are limited to one per month. No more than one in person withdrawal is permitted each month.
  • Fees and Charges - The following fees and charges apply to this account:
    • Transfer fee: A transfer fee of $25.00 will be charged if the account is transferred to another financial institution.

Certificate of Deposit (CD)

Rate Information - Please call for current rates.1, 2

DescriptionMinimum Balance

91 Day CD

$1000.00

182 Day CD

$1000.00

12 Month CD

$500.00

24 Month CD

$500.00

36 Month CD

$500.00

48 Month CD

$500.00

60 Month CD

$500.00

1 Interest rate is subject to change. Please call (406) 932-5311 to obtain current rate information.
2 Annual Percentage Yield is subject to change. Please call (406) 932-5311 to obtain current rate information.

Health Savings Account

  • Minimum Balance ‑ Daily Minimum Balance of $200.00
  • Maintenance Charge - $12.00 yearly maintenance fee. A fee of $3.00 is charged if you do not meet the Minimum Daily Balance during your statement cycle.
  • Unlimited Deposits
  • Withdrawals – Limited to Qualified Medical Expenses 

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