Business Details
50+ Years
experience
Your Trusted Financial Partner in Western Montana
Park Side Credit Union has served western Montana communities since 1965, evolving from a railroad employee credit union to a state-chartered institution serving 11 counties. Our member-owned cooperative structure prioritizes community enrichment through accessible financial services, including low APR loans, high-yield accounts, and personalized banking solutions. With 10 Montana locations and 24/7 digital tools, we combine local decision-making with modern convenience.Our team of experienced professionals delivers tailored financial guidance, supported by advanced technology like interactive teller machines and mobile banking apps. Federally insured by NCUA, we maintain strict compliance with financial regulations while reinvesting profits to benefit members through competitive rates and community initiatives like the Park Side Charitable Foundation.
Services
Auto Loans
Mortgage Loans
Credit Cards
Checking Accounts
Savings Accounts
Insurance Services
Online Banking
ATM Services
Loan Calculators
Financial Education
Details
- Year established: 1965
Highlights and features
- Local decision-making team closes loans quickly and efficiently
- Auto loans available from 5.24% APR with relationship discounts
- 24/7 access to ATMs and interactive teller machines
- Mobile banking app with budgeting tools and instant card controls
- Community-focused nonprofit structure reinvests profits in member benefits
Associations and certifications
- NCUA
Services
Auto Loans
Park Side Credit Union offers competitive auto loans starting at 5.24% APR for qualified borrowers. Our financing options cover new and used vehicles including cars, trucks, motorcycles, and RVs. Members can refinance existing loans or use vehicle equity for cash-out transactions while benefiting from relationship discounts for active account holders.
Mortgage Loans
We provide comprehensive real estate financing solutions including fixed-rate mortgages, adjustable-rate mortgages, and jumbo loans. Our in-house processing enables purchase loans with 10% down, cash-out refinancing, and home equity lines of credit up to 85% loan-to-value. Special programs support first-time homebuyers and Montana land purchases.
Checking Accounts
Our free Kasasa checking accounts offer rewards programs with up to 5% cash back on debit purchases. Features include nationwide ATM fee refunds, mobile check deposit, and integrated budgeting tools. Specialized options include teen checking, business accounts, and overdraft protection services for financial flexibility.
Online Banking
24/7 digital banking platform provides account management, bill payment, and fund transfers. Mobile app features include card controls, mobile check deposit, and real-time transaction alerts. Interactive teller machines offer live video banking with extended hours at multiple Montana locations for convenient access.
Financial Education
We offer credit repair resources, budgeting tools, and financial calculators to support member financial health. Educational programs cover debt management strategies, credit score improvement, and budget optimization techniques. Banzai Coach sessions provide personalized guidance for improving financial literacy and achieving long-term stability.
People
Jeremy Presta
President/CEO
Leading Park Side Credit Union's strategic direction with over 25 years of Montana financial services experience, focusing on community development and member-centric banking solutions.
Carol Beniger
VP Lending
Managing all lending operations with expertise in mortgage and consumer loan programs, ensuring accessible financing options for Montana residents.
Troy Brackey
CFO
Overseeing financial operations and maintaining the credit union's strong fiscal position through prudent risk management and regulatory compliance.
Josh Kroll
VP Marketing & Business Development
Driving brand strategy and community partnerships to expand financial services access across western Montana's growing service areas.
Teresa Short
VP IT & Security
Ensuring secure digital banking infrastructure and implementing technology solutions that protect member data while enhancing user experience.
Questions
What identification is required to open a checking account?
Individual accounts require photo ID, Social Security card, $5 deposit, and proof of address. Business accounts need customized documentation.
How do I activate my debit card?
Call 866-985-2273 to activate your debit card and set up your PIN securely.
Do you offer mobile banking services?
Yes, our mobile app provides account management, mobile check deposit, and card controls available 24/7.
Can I use Canadian currency?
We do not accept Canadian currency for transactions or deposits at this time.
How do I report a lost credit card?
Contact us at 406-862-2652 (Flathead) or 406-728-4475 (Missoula) during business hours, or call Visa's 24/7 line at 866-820-4858.
What loan payment options are available?
We accept Visa, Mastercard, Discover, and ACH payments through our electronic cash management system for convenient loan servicing.