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Bank of the San Juans
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Financial Foundations

Exceptional tools to build strong foundations.

We believe success begins with a solid understanding of key financial concepts and are committed to paving a path toward a secure financial future for those we serve. To that end, we have partnered with the following organizations in our pursuit to provide a strong financial education program:

  • FDIC Money Smart Alliance - The Glacier Family of Banks is a member  in strong standing with the FDIC Money Smart Alliance. This instructor led program allows our banks to work directly with community-based organizations to help individuals develop strong money management skills. 
  • Everfi -  In conjunction with our instructor-led curriculum, we  also offer a self-paced computer based education program to students, adults and small business entrepreneurs  seeking real world financial training.
  • Youth Banking Network – We are proud to be an active member of the FDIC Youth Banking Network.

For more information about how to get involved with any of these financial education opportunities, please contact the bank.

To promote lifelong financial literacy for our customers, we’ve teamed with the experts at Everfi to offer a brief, yet powerful interactive learning experience we call Financial Foundations. This program is offered to all our customers, community members and bank employees at no cost whatsoever.

Here are just a few of the things you can learn about using Financial Foundations:

  • Checking and savings accounts, and building savings for the future
  • Payments—how they are processed and how to avoid overdrafts
  • Credit scores and reports and what they mean for you
  • Financing an education, new home, or car: How loans work
  • Credit cards help you pay for what you need today—What to know before you spend
  • Taxes, insurance, and other expenses to plan for
  • Retirement isn’t that far away. Saving now can have big returns later
  • Avoid being a victim of identity theft

It’s never too early to teach kids about financial literacy! We support more than 100 schools in states served by Glacier Bank divisions with the Financial Foundations for Students course tailored for students in grade school through high school.

These comprehensive classroom programs engage students through videos, games and social networking. Students who complete this free course will receive a certificate of completion and certificate to open a savings account. Students will learn:

  • How to establish checking and savings accounts to build for the future
  • How payments are processed and how to avoid overdrafts
  • How credit scores and reports affect your financial life
  • The many ways to financing an education, new home, or car
  • How to avoid being a victim of identity theft and other important financial skills and more.

Need a little help improving your credit profile?  Our Credit Builder Loan Program* is designed to give those with poor or limited credit the opportunity to establish or re-establish credit while simultaneously building equity in a deposit account.

As part of our commitment to helping you secure a solid financial future, we offer a series of online courses to help put you on the path to success through our Financial Foundation Program. These interactive online modules take about 10 minutes each to complete and are self-paced to allow for flexibility to your schedule. You will learn key financial concepts on managing your credit, obtaining loans and saving for the future. As an added benefit, you will receive a 5% interest rate reduction on your Credit Builder loan. Just contact your lender upon completion of the designated modules.

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Who Should Apply for Credit Builder*
Credit Builder is designed for anyone who wants or needs to establish good credit. You must be at least 18 years old to apply.
How it Works
1. The bank makes a loan to the individual in an amount ranging from $500-$2,000 in a term ranging from 24-36 months.**
2. Loan proceeds are deposited in a savings account under the borrower's name and available to the borrower upon full repayment of the loan. This means you are building credit and saving for the future at the same time.
3. Payments to the loan are made monthly and are set up to fit your budget.

*Results are not guaranteed. Improvement in credit score is dependent on multiple factors specific to your financial behavior. For example, late payments on other financial obligations may negatively influence your credit score, even if your payments on a Credit Builder Loan are current.
**A $500 loan with an APR of 9.99% for 24 months has a monthly payment of $23.07 total payments of $553.68 over the 24 month term.
FDIC Consumer News provides practical guidance on how to become a smarter, safer user of financial services. You’ll find articles with helpful hints, quick tips and common sense strategies to protect and stretch your hard-earned dollars.

The FDIC Consumer Assistance link is another useful tool: