Bank smarter with our app
Our new mobile app makes managing your money simple — check balances, transfer funds, deposit checks, and more from anywhere.
Learn moreHome equity line of credit
Update. Renovate. Consolidate.
Take advantage of our 3.99% Introductory APR1 for 6 months. After that, our low variable rate starts at 7.50% APR2.
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How can we help?
New business banking offer
Earn up to $1,250 when you open a new qualifying business checking account and complete eligible activities.
Learn more See Details and DisclosuresGet 1.5% cash back
Get 1.5% cash back on purchases plus a welcome bonus when you open a qualifying rewards credit card.
Learn more See Details and DisclosuresWhat’s your goal?
I want to
Teaching kids and teens smart money habits
Help the next generation build confidence with money using tools designed for families — from first allowances to first paychecks.
- Goal-based saving
- Financial education made fun
- Robust parental controls
- Real-time alerts
- No minimum age
Find the right path to homeownership
Whether you’re buying your first home or refinancing, we make the mortgage process clearer — with guidance at every step.
- Online pre-qualification
- Competitive rate options
- Local lending expertise
- Refinance and HELOC tools
- Dedicated mortgage support
Banking built to grow with your business
Open accounts, manage cash flow, and access lending options designed for owners who need clarity and speed.
- Business checking & savings
- Merchant and payment tools
- Lines of credit and loans
- Treasury management options
- Dedicated business support
Plan today for the retirement you want
Explore IRA and 401(k) options that help you save with purpose — whether you’re just starting or refining your strategy.
- Traditional and Roth IRAs
- 401(k) rollover guidance
- Long-term savings strategies
- Flexible contribution options
- Clear next-step support
Build savings that work toward your goals
From everyday savings to CDs, choose options that help you set money aside and keep progress visible.
- Competitive savings rates
- CD term options
- Automatic transfer tools
- Goal tracking made simple
- FDIC-insured deposits
Bank where you want, when you want
Our new mobile app is packed with powerful features that make it easier to take control of your money.
Transaction Translator
Get a clearer picture of your finances with enhanced display features that automatically categorize transactions.
Card Controls3
Turn your Oak Montt Finance debit card on/off, change your PIN, limit debit card transactions based on specific criteria and stay informed with alerts.
Link All Your Accounts
Securely add all your Oak Montt Finance accounts, plus your external accounts, so you can see your full financial picture in one place.
Budgeting Tools
Create budgets, track spending, and get easy-to-understand strategies to help build better financial habits.
Why your neighbors trust Oak Montt Finance
125+
Years of service
For more than a century, Oak Montt Finance has been dedicated to the financial well-being of the communities we serve.
5 Years
America’s Best Banks
For the fifth consecutive year, we’ve been named one of America’s Best Banks by Forbes.
Outstanding
CRA rating
Our commitment to meeting the needs of our communities has received the highest recognition under the Community Reinvestment Act criteria.