What are the current interest rates at Freedom Bank Columbia Falls, MT?

Current rates for Freedom Bank Columbia Falls, MT include: 12-Month CD: 3.30%, 18-Month CD: 3.04%, 24-Month CD: 2.78%, Savings: 3.56%, MMA: 2.78%

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Freedom Bank Columbia Falls, MT

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Freedom Bank Columbia Falls, MT Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Freedom Bank Columbia Falls, MT provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Freedom Bank Columbia Falls, MT's top rates as of October 10, 2026 are 3.56% APY on its 12-Months 12-Month CD, 3.56% APY on savings, 2.78% APY on money market accounts, and 2.78% APY on checking, according to rates verified by MonitorBankRates. Other Freedom Bank Columbia Falls, MT CD rates include 12-Months 12-Month CD at 3.30%, 18-Months 18-Month CD at 3.30%, and 18-Months 18-Month CD at 3.04%. MonitorBankRates evaluates the financial stability of Freedom Bank Columbia Falls, MT with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.15%. Rates last updated and verified on 10/10/2026.

Freedom Bank Columbia Falls, MT 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 Freedom Bank Columbia Falls, MT? Share your experience about Freedom Bank Columbia Falls, MT by leaving a review below, or read customer reviews before you decide to use Freedom Bank Columbia Falls, MT.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.15%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Freedom Bank

530 9th St W
Columbia Falls, MT 59912

https://www.freedombankmt.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Freedom Bank Columbia Falls, MT CD Rates

Product	Rate	APY	Term
12 Month CD	3.50%	3.56%	12 months
Min Deposit $10,000 Min Balance $10,000 Details Minimum Balance to Obtain Annual Percentage Yield: $10,0001 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.56% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
IRA Savings 18 month	3.50%	3.56%	18 month
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.56% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
12 Month CD	3.25%	3.30%	12 months
Min Deposit $500 Min Balance $500 Details Minimum Balance to Obtain Annual Percentage Yield: $5001 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
18 Month CD	3.25%	3.30%	18 months
Min Deposit $10,000 Min Balance $10,000 Details Minimum Balance to Obtain Annual Percentage Yield: $10,0001 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
IRA Savings 12 month	3.25%	3.30%	12 month
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 3.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
18 Month CD	3.00%	3.04%	18 months
Min Deposit $500 Min Balance $500 Details Minimum Balance to Obtain Annual Percentage Yield: $5001 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
24 Month CD	3.00%	3.04%	24 months
Min Deposit $10,000 Min Balance $10,000 Details Minimum Balance to Obtain Annual Percentage Yield: $10,0001 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
6 Month CD	3.00%	3.04%	6 months
Min Deposit $10,000 Min Balance $10,000 Details Minimum Balance to Obtain Annual Percentage Yield: $10,0001 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.04% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
24 Month CD	2.75%	2.78%	24 months
Min Deposit $500 Min Balance $500 Details Minimum Balance to Obtain Annual Percentage Yield: $5001 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.78% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
6 Month CD	2.50%	2.53%	6 months
Min Deposit $500 Min Balance $500 Details Minimum Balance to Obtain Annual Percentage Yield (APY): $5001 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.53% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%

Freedom Bank Columbia Falls, MT Savings Rates

Product	Rate	APY
Freedom Savings	1.00%	1.01%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Patriot Savings (Under 18)	1.00%	1.01%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%

Freedom Bank Columbia Falls, MT Business Savings Rates

Product	Rate	APY	View More
Business Savings	1.00%	1.01%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%

Freedom Bank Columbia Falls, MT Money Market Rates

Product	Rate	APY
Personal Money Market	2.75%	2.78%
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.78% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Personal Money Market	1.75%	1.76%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Personal Money Market	1.25%	1.26%
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Personal Money Market	0.75%	0.75%
Min Balance $1,500 Details Balance: $1,500.00- $4,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Personal Money Market	0.50%	0.50%
Min Balance $500 Details Balance: $500.00 - $1,499.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%

Freedom Bank Columbia Falls, MT Business Money Market Rates

Product	Rate	APY
Business Money Market	2.75%	2.78%
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.78% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Business Money Market	1.75%	1.76%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Business Money Market	1.25%	1.26%
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Business Money Market	0.75%	0.75%
Min Balance $1,500 Details Balance: $1,500.00- $4,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Business Money Market	0.50%	0.50%
Min Balance $500 Details Balance: $500.00 - $1,499.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%

Freedom Bank Columbia Falls, MT Checking Rates

Product	Rate	APY
HSA Freedom Interest Checking	2.75%	2.78%
Min Balance $100,000 Details Balance: $100,000.00 and up Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.78% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
HSA Freedom Interest Checking	1.75%	1.76%
Min Balance $25,000 Details Balance: $25,000.00 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.76% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
HSA Freedom Interest Checking	1.25%	1.26%
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.26% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
HSA Freedom Interest Checking	0.75%	0.75%
Min Balance $1,500 Details Balance: $1,500.00- $4,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.75% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
HSA Freedom Interest Checking	0.50%	0.50%
Min Balance $500 Details Balance: $500.00 - $1,499.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Eagle 50 Checking	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000.00 and up Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Freedom Interest Checking	0.15%	0.15%
Min Balance $50,000 Details Balance: $50,000.00 and up Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Eagle 50 Checking	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Freedom Interest Checking	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Eagle 50 Checking	0.06%	0.06%
Min Balance $5,000 Details Balance: $5,000.00- $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Freedom Interest Checking	0.06%	0.06%
Min Balance $5,000 Details Balance: $5,000.00- $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.06% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Eagle 50 Checking	0.05%	0.05%
Min Balance $1,500 Details Balance: $1,500.00 - $4,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Freedom Interest Checking	0.05%	0.05%
Min Balance $1,500 Details Balance: $1,500.00 - $4,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%

Freedom Bank Columbia Falls, MT Business Checking Rates

Product	Rate	APY
Business Interest Checking	0.20%	0.20%
Min Balance $50,000 Details Balance: $50,000 and up Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Business Interest Checking	0.15%	0.15%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.15% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Business Interest Checking	0.10%	0.10%
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%
Business Interest Checking	0.05%	0.05%
Min Balance $1,500 Details Balance: $1,500.00 - $4,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.15%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Freedom Bank Columbia Falls, MT’s Texas Ratio fell from 4.79% in Q3 2023 to 4.15% 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 bank’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

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$157M	4.15%	5.0	A+
March 31, 2026	$147M	4.43%	5.0	A+
December 31, 2025	$144M	4.05%	5.0	A+
September 30, 2025	$150M	2.39%	5.0	A+
June 30, 2025	$141M	2.46%	5.0	A+
March 31, 2025	$140M	3.65%	5.0	A+
December 31, 2024	$137M	3.63%	5.0	A+
September 30, 2024	$134M	3.84%	5.0	A+
June 30, 2024	$129M	4.15%	5.0	A+
March 31, 2024	$125M	4.42%	5.0	A+
December 31, 2023	$131M	4.42%	5.0	A+
September 30, 2023	$142M	4.79%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Freedom Bank Columbia Falls, MT is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer 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 bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Freedom Bank Columbia Falls, MT 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 Freedom Bank Columbia Falls, MT's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Freedom Bank Columbia Falls, MT

Bank Holding Company FREEDOM BCORP

Address 530 9th St W, Columbia Falls, MT 59912 · Flathead

Website https://www.freedombankmt.com

FDIC Certificate # 58010

Established 20050412

FDIC Insurance Date 20050412

Domestic Offices 1

Total Branches 1

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 98/100

5.0

Exceptional Out of 5.0 Stars

4.15%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.8444%

Return on Equity (ROE) 15.3800%

Non-Performing Loans (NPL) 0.48%

Total Assets $157,269,000

Total Deposits $138,843,000

Equity Capital $18,102,000

Net Income $1,377,000

Headquarters Columbia Falls

Total Branches and Offices 1

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Freedom Bank Columbia Falls, MT earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Freedom Bank Columbia Falls, MT

How many branches does Freedom Bank Columbia Falls, MT operate?

Freedom Bank Columbia Falls, MT currently maintains approximately 1 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Freedom Bank Columbia Falls, MT 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, Freedom Bank Columbia Falls, MT provides members with tools to manage their accounts and build a solid financial history.

Does Freedom Bank Columbia Falls, MT offer online and mobile banking?

Most modern institutions like Freedom Bank Columbia Falls, MT 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.freedombankmt.com.