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 Park Side Financial Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 19, 2026
Park Side Financial Credit Union's 1-Year Youth CD rates are at 4.50%, 12-Month Jumbo CD rates are at 4.25%, 12-Month CD rates are at 4.25%, Jumbo 12-Month CD rates are at 4.25%, 18-Month CD rates are at 4.00%. Park Side Financial Credit Union's savings rates are at 0.10%. Park Side Financial Credit Union's money market rates are at 0.50%. Park Side Financial Credit Union's checking rates are as high as 4.00%. Park Side Financial Credit Union's RV, Boat and Powersport Loan Rates are as low as 7.24%. Park Side Financial Credit Union's Credit Card Rates are at 11.75%. MonitorBankRates evaluates the financial stability of Park Side Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.42%. Rates last updated and verified on 10/19/2026. Park Side Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Park Side Financial Credit Union? Share your experience about Park Side Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Park Side Financial Credit Union. Park Side Financial Credit Union
Whitefish 1300 Baker Ave
https://www.parksidefcu.com Whitefish, MT 59937-2988  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Park Side Financial Credit Union CD Rates
Park Side Financial Credit Union Savings Rates
Park Side Financial Credit Union Money Market Rates
Park Side Financial Credit Union Checking Rates
Park Side Financial Credit Union Business Checking Rates
Park Side Financial Credit Union Auto Loan Rates
Park Side Financial Credit Union RV, Boat and Powersport Loan Rates
Park Side Financial Credit Union Credit Card Rates
Park Side Financial Credit Union Personal Loan Rates
Park Side Financial Credit Union Other Rates
Financial Health HistoryPark Side Financial Credit Union’s Texas Ratio stayed near 1.77% in Q3 2023 to 1.42% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Park Side Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Park Side Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Park Side Financial Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Park Side Financial Credit Union
Website
https://www.parksidefcu.com
Address
1300 Baker Ave,
Whitefish, MT 59937-2988
Phone
406-862-2652
Fax
406-862-4891
President
Carl Thomas
CEO
Jeremy Presta
Full-Time Employees
83
Part-Time Employees
3
Branch Locations
9
ATM Locations
8
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.42%
Return on Assets (ROA)
0.3331%
Return on Equity (ROE)
3.5564%
Non-Performing Loans Ratio (NPL)
0.20%
Total Assets
390,449,249
Total Amount of Shares and Deposits
350,626,355
Total Shares and Deposits < 1 Year
343,572,359
Total Shares and Deposits 1 3 Years
5,929,047
Total Shares and Deposits > 3 Years
1,124,949
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
21,774,210
Total Uninsured Shares and Deposits > $250K (F+J)
21,774,210
Total Insured Shares and Deposits > $250K (item 17 less item K)
328,852,145
Total Interest Expense (Sum of items 6 8)
2,697,167
Share Certificates
3,038
Number of Accounts for Share Drafts
18,465
IRA KEOGH Accounts
391
Number of Accounts for Regular Shares
32,245
All other shares
320
Money Market Shares
1,195
Net Income (unless the amount is already included in Undivided Earnings)
1,300,682
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
11,680,565
Total Liabilities
358,068,945
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Park Side Financial Credit UnionDoes Park Side Financial Credit Union offer CDs?Yes. Park Side Financial Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page. Are CDs from Park Side Financial Credit Union NCUA insured?Yes. Park Side Financial Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Park Side Financial Credit Union?The highest CD rate MonitorBankRates has verified for Park Side Financial Credit Union is 4.50% APY on its 1-Year Youth CD, as of October 19, 2026. What CD terms does Park Side Financial Credit Union offer?The Park Side Financial Credit Union CD terms we track include 12 month, 18 month, 2 year and 5 year terms, with rates from 4.00% to 4.50% APY. The institution may offer other terms or specials that are not listed here, so check with Park Side Financial Credit Union for its full lineup. What is the highest savings rate at Park Side Financial Credit Union?The highest savings rate MonitorBankRates has verified for Park Side Financial Credit Union is 0.10% APY on its Regular Savings, as of October 19, 2026. What is the highest money market rate at Park Side Financial Credit Union?The highest money market rate MonitorBankRates has verified for Park Side Financial Credit Union is 0.50% APY on its Money Market Account, as of October 19, 2026. What is the highest checking rate at Park Side Financial Credit Union?The highest checking rate MonitorBankRates has verified for Park Side Financial Credit Union is 4.00% APY on its Free Kasasa Cash Checking, as of October 19, 2026. What is the lowest auto loan rate at Park Side Financial Credit Union?The lowest auto loan rate MonitorBankRates has verified for Park Side Financial Credit Union is 5.24% APR on its Auto Loans, as of October 19, 2026. What is the lowest personal loan rate at Park Side Financial Credit Union?The lowest personal loan rate MonitorBankRates has verified for Park Side Financial Credit Union is 7.24% APR on its Personal Rec. Vehicles, ATV, UTV, Watercraft, Motorcycle, Snowmobile Loan, as of October 19, 2026. What is the lowest credit card APR at Park Side Financial Credit Union?The lowest credit card rate MonitorBankRates has verified for Park Side Financial Credit Union is 11.75% APR on its Park Side VISA Plus Credit Card, as of October 19, 2026. How many branches does Park Side Financial Credit Union operate?Park Side Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Park Side Financial Credit Union?Yes, to access services at Park Side Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Park Side Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Park Side Financial Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Park Side Financial Credit Union offer online and mobile banking?Most modern institutions like Park Side Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.parksidefcu.com. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Park Side Financial Credit Union rates compare?Park Side Financial Credit Union's top rates are 4.50% APY on its 1-Year Youth CD, 0.10% APY on savings, 0.50% APY on money market, 4.00% APY on checking, RV, Boat and Powersport Loans from 7.24% APR and credit cards from 11.75% APR, verified by MonitorBankRates on October 19, 2026. To compare Park Side Financial Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best checking rates, updated daily from banks and credit unions across the country. Current Park Side Financial Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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