ACCOUNTS

Below is information about the accounts we offer, including: Checking; Savings; Consumer & Business Loans; Home Loans; and, Certificate of Deposit / IRA.

*FREE Consumer "Safe Kept" Checking. No monthly Fee. No minimum balance. Free ATM or Check card. Interest paid on all balances over $200.

Note: This account may be available for certain non-profit corporations. Ask our new accounts personnel for details.

*Business Checking – FREE for accounts with 500 items or less. No monthly maintenance fee; no minimum balance. Free Business Visa check cards. No per item fee unless item count is 500 or more per month.

Over 500 items, ALL items are subject to fees of:

$6.00 monthly fee
$0.07 per deposit items
$0.12 per check paid
Less a $0.20 credit per $100 of average collected balance
$1.00 return deposit item fee

*FREE Distinguished Checking:

This account is available to customers over the age of 55. There is no minimum balance required, no monthly service fees and customers receive free safety paper checks.

Flat Fee Checking:

This account has no minimum monthly balance requirements and has a monthly flat fee of $8.00.

Investment Checking:

Interest is paid at a competitive market rate (compounded daily). There is a $700 minimum balance required and a $5.00 monthly service charge if your balance falls below the $700 minimum balance. If you maintain high balances, the Investment Checking Account is the best place for your checking money.

Liquid Gold Checking

Special account for existing customers. VERY competitive variable tiered interest rate.  $10,000 minimum opening balance and $10,000 minimum monthly balance required to avoid monthly service fee of $15.  LOTS of free bank services including World Wide free ATM usage (5/month), unlimited check writing, free Online Banking, free 3 x 5 safe deposit box, and free checks. This type of account does not qualify for the Temporary Liquidity Guarantee Program.

*Customer responsible for check purchase.

Regular Savings. This account is our basic savings account and requires a $200 minimum balance to avoid a service charge. When balances fall below $200 there is a $3.00 per quarter service charge and you're allowed 12 withdrawals per quarter. A $.50 per withdrawal will be levied when your balance is below $200 and you've made more than 12 withdrawals for the quarter.

Young Bankers. Our customers who have children (under 20 years of age) who maintain average balances over $200 are eligible for our Young Bankers account. This savings account is an education service used to promote responsible financial management and develop good savings habits. There are no monthly service charges and no minimum balance required.

Money Market Savings: This is the best alternative to certificates of deposit if you need your money liquid. A minimum balance of $2,500 is required for this account. This account pays competitive rates on a 5 tiered basis - $0 to $10,000; $10,000 to $25,000; $25,000 to $50,000; $50,000 to $100,000; and $100,000 and over. There is no limit on the number of transactions for this account. Please call any of our offices for current rates.

Business Money Market: This is an excellent money management tool for partnerships and corporations for those of you who carry high balances in your checking accounts. This account pays the same rates as the Money Market Savings account. There are some limitations on transactions as imposed by federal regulations.

IRA: We offer four different types of IRA’s: Traditional, Roth, Education, and SEP. Each is a variable rate account that earns a competitive rate of interest. No services charges are associated with these accounts and interest is compounded daily.

CD: Certificate of deposits are available with a variety of maturity terms. Rates for the most common maturities are posted in the lobbies of our banking offices or by calling 273-2400. Our rates are very competitive with the market.

Health Savings Accounts: An HSA is a tax-exempt trust or custodial account established exclusively for the purpose of paying qualified medical expense of the account beneficiary. Please see our new account representatives for more details on this type of account.

Safe Deposit Boxes: Box sizes and fees are as follows:

HEIGHT/WIDTH/DEPTH	ANNUAL FEE
3" X 5" X 22"	$25.00
5" X 5" X 22"	$30.00
3" X 10" X 22"	$35.00
5" X 10" X 22"	$40.00
8" X 10" X 22"	$50.00
10" X 10" X 22"	$60.00

COMMERCIAL LOANS

Lines of Credit:  Commercial Loan Application
Operating lines of credit are available to assist you with your short-term needs. Operating lines are used to assist businesses with working capital, inventory, and accounts receivable financing needs.

Short Term Notes:  Commercial Loan Application
Short term financing is available for working capital and machinery and equipment financing.

Commercial Real Estate Construction:  Commercial Loan Application
This type of financing is used to construct new commercial buildings. Common uses are new apartment buildings, mini-malls, shops, etc.

Permanent Commercial R.E. Loans:  Commercial Loan Application
Terms are available to finance commercial properties.

Many other commercial loans are available for all your business needs. Call your local branch for more details.

Residential Real Estate:  Real Estate Loan Application
All types of loans are available at the Family of Banks to meet your financing needs. Government guaranteed loans are also available, i.e. FHA, VA and RECD loans. We can also lend on manufactured homes not on foundations.

Construction Loans:  Real Estate Loan Application
If you plan on building your new home contact us at the Family of Banks. Whether you have permanent financing in place or need both construction and permanent financing, we can help build your next house. If you finance both loans with us, you may be eligible for discounts on fees. We also offer construction loans for manufactured homes.

Conventional Real Estate Loans:  Real Estate Loan Application
We offer competitive rates on financing for mortgages. Fixed and variable rates are available. Contact Brenda at our Lolo office for the latest rates.

In-House Real Estate Loans:  Real Estate Loan Application
Sometimes properties and/or customers don't conform to conventional (FNMA) standards. The Family of Banks attempts to finance those non-conforming properties on an in-house basis. Various terms are available.

Home Equity Lines of Credit:  Real Estate Loan Application
HELOCs are available for qualified borrowers. This is an outstanding alternative to credit cards, as your rate will probably be lower and the interest may be deductible. Our HELOC product requires interest only payments for the draw period.

Second Mortgages:  Real Estate Loan Application
If a HELOC loan is not what you need, second mortgages are available. And the interest may be tax deductible..

Consumer Loans:  Consumer Loan Application
Whether you need to buy a car, ATV, RV or boat, or just need a small personal loan, we are here to help with your consumer financing needs.

Auto Loans:  Consumer Loan Application
The Family of Banks will finance both new and used cars. Get pre-approved and go shopping.

RV/ATV/Boat Loans:  Consumer Loan Application
If you need to finance your "toys", this type of financing is available.

Signature Loans: Signature loans are available to customers who qualify for unsecured credit. Please call your local branch about Signature Loans.

Overdraft Lines of Credit:  Consumer Loan Application
Available to those who occasionally have overdrafts but don't want to pay the fees. This is a good alternative.

“Home is where the heart is.” Homes come in all shapes and sizes. Whatever your ideal home is... ranch, two story, town house, condo, or manufactured home... there may be a home loan we can fit into your budget.

Mortgage Options:

10-30 Year Conventional
Adjustable Rate Mortgages
VA Mortgages
Rural Economic Development Mortgages
FHA Mortgages
Construction Loans
Home Equity and Home Equity Lines of Credit
Nonconforming Loan Options Available

Request Pre-Approval To Find Out How Much You Qualify For:

Find out how Brenda and Shelly can help you today! The Family of Banks firmly believes that customers deserve personalized time and attention for their specific banking and financial needs. Our Mortgage Center loan officers and underwriting staff are the best in the business, contact us today.

Loan Applications: Real Estate | Commercial | Get PDF Reader

No matter what your location we have a Mortgage Officer ready to assist you. For the Mortgage Officer nearest you select your branch below.

	CERTIFICATE OF DEPOSIT / IRA

CD: Certificate of deposits are available with a variety of maturity terms. Rates for the most common maturities are posted in the lobbies of our banking offices or by calling 273-2400. Our rates are very competitive with the market.

IRA: We offer four different types of IRA’s: Traditional, Roth, Education, and SEP. Each is a variable rate account that earns a competitive rate of interest. No services charges are associated with these accounts and interest is compounded daily.