Personal Loans

Opportunity Lending

Apply online or speak with a lender

Turn Plans into Possibilities

Personal Loans

Personal loans from Opportunity Bank can help you borrow for your needs and plans, whether you're borrowing for a vehicle, buying something special, or paying for unexpected expenses. Rate discounts possible with autopay. Speak with a lender or apply online.

Home Equity Loans

Whether you're tackling a home improvement project or making a major purchase, use the equity in your home for all sorts of needs.

Mortgage Loans

Buying a home is a major moment in life. Whether you just have a few questions or you're ready to apply, With Opportunity Bank, you have a trusted, experienced, local expert by your side.

Visa® Credit Cards

Offered through TCM Bank, N.A.

We are pleased to partner with the Independent Community Bankers of America (ICBA) to offer credit cards through TCM Bank, N.A. Stop in to any Opportunity Bank branch to pick up an application or apply online today.

Rewards Platinum

Unlimited reward points. Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel and more. Visit cRewardsCard.com for details.

Unlimited rewards
No annual fee

Learn More

See the card application’s Important Disclosures for current terms, rates and fees This card is issued by TCM Bank, N.A. Subject to credit approval.

In order to access rewards, your account must be open and in good standing.

Apply Now

Cash Rewards Platinum

Unlimited 1% cash back on every purchase, every day

Unlimited cash back
No annual fee

Learn More

See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

Account must be open and in good standing to access rewards.

Apply Now

Platinum Edition

Our lowest rate card

Low interest rate
No annual fee

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See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

Apply Now

Additional Card Benefits

Enjoy the following features with all of the above options:

Competitive rates*
Mobile payments like ApplePay® and Google PayTM for a safe and secure way to pay
Free FICO® score ¹
Cell Phone Protection ²

Fraud Monitoring and Zero Fraud Liability
SecurLOCK^TM Email and Text Fraud Alerts
ID Navigator Powered by NortonLifeLock ⁴
Opportunity Bank of Montana logo included on the card

*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

¹ FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.

² Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit or to file a claim visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569.

³ In order to access rewards, your account must be open and in good standing.

⁴ No one can prevent all identity theft.

Secured Platinum Visa®

The card that helps you build or re-build your credit.

Build credit with responsible use - payment usage and behavior is reported to the major credit bureaus. With responsible use, you may become eligible for graduation to an Unsecured Credit Card in as little as 13 months.

Learn More

See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

In as little as 13 months of responsible use, you become eligible for an account review for graduation to an unsecured credit card. In order to graduate, you must make on-time payments, spend within your credit limit, have a credit score of at least 660, and have no delinquencies in 12 months. If your account becomes 30 days delinquent, we will close the account and use your security deposit to pay any outstanding balances. Any remaining funds will be returned to you within 90 days of account closing.

Apply Now

Visa® Signature

Bonus Rewards and Travel Perks

Unlimited 1.5x points on every purchase, every day.

Unlimited rewards
No annual fee
Visa Signature Concierge

Learn More

See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

In order to access rewards, your account must be open and in good standing.

Some Restrictions and Limitations may apply. In cases where one of the benefits is not available at a hotel, the hotel may provide a substitute benefit of equal value. Some hotels may provide one of the benefits as a standard feature of the room being booked. In those cases the hotel may or may not provide a substantial benefit of equal value. Resort fees that cover any of the benefits are not reimbursable. Reservations must be booked either on a Visa Luxury Hotel Collection website or through Visa Concierge for benefits to apply. Please consult the terms and conditions for each property

Apply Now

Ready to Take the Next Step?

Contact your local branch or lender to get started today.

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