Personal Loans

Life is full of surprises, some you plan and some you don’t. We’re here to help you through all of them.


Opportunity Bank of Montana offers a full line of personal loan products to fit your needs. We can set the terms and the payments to fit your budget, and because we’re local, we pride ourselves on providing timely loan approval.

Receive a discount by signing up for automatic payments from your Opportunity Bank checking account and reduce your already competitively low rate by an additional quarter percent!

We are proud to offer you

  • New and used vehicle financing
  • Loans for snowmobiles, boats or motorcycles
  • RV (recreational vehicle) loans
  • Home Equity Installment Plans
  • Home Equity Lines of Credit
  • Overdraft protection
  • Debt consolidation
  • CD Secured Loans
  • Individual and corporate credit cards.

Contact a Loan Officer today

*All loans are subject to approval. Prospective borrower(s) must be of legal age to apply for a loan.

Visa® Credit Cards - Offered through TCM Bank, N.A.

We are pleased to partner with the Independent Community Bankers of America (ICBA) to offer credit cards through TCM Bank, N.A.  Stop in to any Opportunity Bank branch to pick up an application, or apply online today. 

Our Platinum credit cards offer hometown convenience, worldwide acceptance  and great benefits. 

Three great options from the bank you know best.

  • Rewards Platinum - unlimited reward points. Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel and more. Visit for details.3
  • Cash Rewards Platinum - earn 1% cash back on all net purchases. Cash rewards never expire.3 
  • Platinum Edition - no penalty APR and competitive rates.*

Enjoy the following features with all of the above options:

  • Competitive rates*
  • Mobile payments like ApplePay® and Google PayTM for a safe and secure way to pay
  • Free FICO® score1
  • Cell Phone Protection2
  • Fraud Monitoring and Zero Fraud Liability
  • SecurLOCKTM Email and Text Fraud Alerts
  • ID Navigator Powered by NortonLifeLock4
  • Opportunity Bank of Montana logo included on the card

Our Secured Credit Card* is the perfect solution if you are looking to build or re-build your credit. It works like any other credit card except is requires a security deposit which is held as collateral for your account. 

Plus, you receive these great benefits:

  • Graduation Eligibility: With responsible use, you may become eligible for graduation to an Unsecured Credit Card in as little as 13 months.
  • Mobile payments like ApplePay® and Google PayTM for a safe and secure way to pay
  • Free FICO® score1
  • Fraud Monitoring and Zero Fraud Liability
  • Email and Text Fraud Alerts
  • Financial Education

Apply Now

*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.
1FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.

2Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit or to file a claim visit the FAQ section at or call 1-866-894-8569.

3In order to access rewards, your account must be open and in good standing.

4No one can prevent all identity theft.

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