Business Money Market Deposit Account

  • $1,000 minimum balance (if the balance falls below $1,000, then a $10.00 monthly charge.) "Tiered Interest Rate" depending on outstanding deposit balance.
  • Monthly statements
  • Transfers to another account or third parties are limited**
  • Tiered interest rates - depending on account balance

**Transfers to another account or third parties by pre-authorized, automatic, Online Banking, or telephone transfers are limited to six per four-week period with no more than three by check.

Certificates of Deposit and Bank Investments
Our bank pays highly competitive interest rates on CDs and are insured to $250,000 through December 31, 2009 by the FDIC. Call for current interest rate quotes: 728-3115 in Missoula, 827-7000 in Thompson Falls, 826-2000 in Plains, 363-3551 in Hamilton, 961-4466 in Corvallis or contact us through our website.

Individual Retirement Accounts: Better Than Ever
Individual Retirement Accounts (IRA) create value for you to save for your retirement years and for funding education expenses. Education IRAs are now known as Coverdell Education Savings Accounts (ESA). Parents, grandparents and others should consider establishing an ESA to help meet the rising costs of a student's education.

Please call us for more information on Individual Retirement Accounts. Flex IRA - start one today, for only $100.00, then add to it whenever you wish.

Traditional IRA

  • Must have earned income and not reach age 70½ by end of year
  • Annual IRA contributions: $4,000 in 2005 and $5,000 in 2008
  • Annual limit applies to any combination of IRA plans other than the ESA
  • Contributions are fully tax-deductible if you are not an active participant in an employer retirement plan
  • Contributions up to the limit are fully tax deductible if you are not an active participant in a retirement plan, otherwise phase-out rules apply.
  • Investments grow on a tax-deferred basis
  • Earnings are taxed only upon withdrawal
  • Opportunity for early withdrawal - Ask us about special circumstances

Roth IRA

  • Contribute to a Roth IRA even after age 70 ½, with earned income
  • Contributions will not be tax deductible, but the contributions and earnings can be withdrawn tax-free.
  • Same contribution limits as Traditional IRA listed above.
  • No required minimum distributions after reaching age 70 ½.
  • Convert your traditional IRA to a Roth IRA, to take withdrawals tax-free, but is subject to income tax now.
  • Opportunity for early withdrawal - Ask us about special circumstances

Catch-up Contributions

  • If you have reached age 50, make additional $500 catch-up contributions per year to a Traditional or Roth IRA and $1,000 in 2006
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