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    • We will be closing at 12:00pm on Monday, December 24th and be closed Tuesday, December 25th. Happy Holidays from all of us at First State Bank!

    • Glacier Family of Banks Receives Financial Education Innovation Award presented by Nasdaq and EverFi!  Click HERE for details.

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    • Attention Farmers & Ranchers: Equipment financing available. Competitive rates!

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    • Personal finance tips and advice for tweens.  Click HERE for details.

Individual Retirement Accounts

We offer competitive rates and flexible terms for all of our retirement savings plans. IRAs require a minimum balance of $500.00 to open.

Please consult a tax professional for questions regarding deductions, tax-free earnings, and other tax issues involved with IRAs.

Traditional IRAs

Traditional IRAs are a type of savings account that allows you to prepare for your retirement. They are also tax deductible, depending on your income. You may also transfer an existing IRA, or convert another qualified retirement plan to a Traditional IRA with us.

Roth IRAs

Roth IRAs are a good tool to help you plan for retirement. Contributions are not tax-deductible, but earnings grow tax-free. You pay no taxes when you withdraw the money provided it's been in the account at least 5 years and you're older than 59 1/2. With a Roth, you don't have to begin withdrawing money at age 70 1/2, as is the case with traditional IRAs. Your earnings will continue to grow tax free, for as long as you like.

Health Savings Accounts

The Health Savings Account is designed to provide you with an easy, flexible way to manage you and your family's healthcare expenses. Contributions are tax deductible. Earnings, if used for qualified medical expenses, are tax free. Please consult a tax advisor about the annual contribution limitations. Minimum opening deposit is $0.00.