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Personal Savings

We offer a variety of personal savings accounts that will help you on the path towards reaching your savings goals.

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All Savings Accounts include access to Online & Mobile Banking and eStatement delivery.

Opportunity Savings

Savings made simple.

  • Requires $100 minimum opening deposit
  • $2 per month service charge if balance falls below $100 (waived for customers age 18 or younger)
  • Competitive interest rate*
  • Ability to set up automatic transfers between checking and savings 1
  • May be used as a sweep account 1 to cover your checking account
  • ATM access

Christmas Club Savings

An easy way to save for holiday expenses.

  • Competitive interest rate*
  • No minimum balance requirement
  • Automatic transfers available from checking or savings to this account 1
  • Each November the balance is withdrawn and either transferred to an existing Opportunity Bank account or mailed to you
  • Account remains open to begin saving for the next year

Opportunity Money Market Account

Keep your money liquid and growing.

  • Requires $1,000 minimum opening deposit
  • $8 per month service charge if balance falls below $1,000
  • Competitive, tiered interest rates*
  • May be used as a sweep account 1 to cover your checking account

Opportunity Preferred Money Market Account

Save more and earn more with preferred savings rates for account holders with higher account balances.

  • Requires $20,000 minimum opening deposit
  • $20 per month service charge if balance falls below $20,000
  • Competitive, tiered interest rates*
  • May be used as a sweep account 1 to cover your checking account

Opportunity Peak Money Market Account

Rates As High As 1.51% APY**

Take your savings to new heights with our Peak Money Market. Earn a great rate while maintaining convenient access to your funds.

PEAK MONEY MARKET RATES

Minimum balance to obtain APY**

 
$0.01 - $49,999.99 0.15% APY**
$50,000.00 - $99,999.99 0.75% APY**
$100,000.00 - $299,999.99 1.00% APY**
$300,000.00 - $999,999.99 1.51% APY**
$1,000,000 + 0.32% APY**

 

  • Rates guaranteed through 2019
  • Make deposits anytime
  • Interest compounds, and credited, monthly
  • 24/7 access with online and mobile banking

Health Savings Account

An easy way to have for, and pay for, eligible healthcare expenses.

  • Requires $100 minimum opening deposit
  • Free Visa® Health Savings Account Debit Card for easy access to funds
  • No minimum balance requirement
  • Competitive interest rates*
  • Automatic transfer available from checking or saving to this account
  • Unlimited electronic transactions

Individual Retirement Account (IRA)

Prepare for the retirement you've been dreaming of.

  • Roth or Traditional Available
  • Requires $50 minimum opening deposit
  • 1-5 year fixed-rate term or 18 month variable-rate term
  • Competitive interest rates*
  • Automatic transfers available from checking or savings to this account

Certificate of Deposit (CD)

Save securely with a predicable rate of return and a term that you choose.

  • Requires $500 minimum opening deposit
  • Terms range from 3 months to 6 years
  • Competitive interest rates*
  • Automatic renewal at maturity 2

 

*Interest rates and Annual Percentage Yield (APY) are subject to change. Please contact your Relationship Banker for current deposit rates.

1 Regulation D only allows for 6 sweeps/transfers per month from a savings or money market account. This applies to all savings and money market account in excess of 6 withdrawals or transfers to another account of yours, or to a third party by means of a preauthorized, or automatic transfer, or telephone order or instruction, computer transfer or by check, draft, debit card, or similar order to a third party. Excess transfers will be charged a fee. See Fee Schedule

2 A substantial penalty is assessed on funds withdrawn prior to maturity on certificate of deposit accounts.

**Annual Percentage Yield (APY) is accurate as of 11/26/18 and guaranteed through 12/31/2019. As of 1/1/20 your Peak Money Market account will be a variable rate account and the interest rate(s) and annual percentage yield(s) may change. Funds must be from a source other than funds already on deposit at Opportunity Bank of Montana. Minimum balance of $50,000.00 required to open. Peak Money Market average daily balances of less than $50,000.00 earn an interest rate of 0.15% with an annual percentage yield of 0.15% on the entire account balance. A service charge fee of $25.00 will be imposed for every statement cycle if the average daily balance of the account falls below $50,000.00 at any time during the statement cycle. Peak Money Market average daily balances greater than $999,999.99 earn an interest rate of 0.32% with an annual percentage yield of 0.32% on the entire account balance. Federal regulations impose transaction limitations. You may make up to six (6) transfers per month to another account with us or to a third party by means of a preauthorized or automatic transfer, telephone order or instruction, computer transfer, or by check, draft, debit card, or similar order to a third party. Excess transfers will be charged a fee. See Fee Schedule. Fees may reduce earnings.

 

 

 

 

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