Personal Savings - Opportunity Bank (Helena, MT)
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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.

Ready to start saving?

Open an account online today! 

OPEN AN ACCOUNT ONLINE 

Must be of legal age to open an account.

 

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

Opportunity Personal 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*
  • Automatic transfers between checking and savings 1
  • May be used as a sweep account 1 

Christmas Club Savings

An easy way to save for the  holidays or recurring end-of year expenses.

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  • In November, the balance is withdrawn and transferred to an existing Opportunity Bank account 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

Opportunity Personal 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 

Opportunity Personal Preferred Money Market Account

Save more and earn more with preferred rates for 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 

Health Savings Account

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

  • Requires $25 minimum opening deposit
  • Free, instantly-issued Visa® Health Savings Account Debit Card for easy access to funds
  • No minimum balance requirement
  • Competitive interest rates*
  • No fee for automatic transfers from checking or savings

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 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 5 years
  • Competitive interest rates*
  • Automatic renewal at maturity 2

 

*Interest rates and Annual Percentage Yield (APY) are subject to change. See Rate Sheet

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.

 

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