Best Bank/Credit Union 

Missoula Federal Credit Union

Readers' Pick

Missoula Fed is dialed. The credit union just released a new app, so you can transfer funds from your overdraft account to your checking account on your smartphone. Need to refinance your mortgage so you can afford your monthly payment? You can submit the entire application, and lock in that 4-percent interest rate, online. It’s all so easy. If only making money were. Missoula Federal Credit Union: Multiple locations, 523-3300, missoulafcu.org

Finalists, Best Bank/Credit Union

2. First Security Bank: Multiple Locations, 728-3115, fsbmsla.com

3. First Interstate Bank: Multiple Locations, 523-4200, firstinterstatebank.com

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