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Matched Savings Accounts / IDAs


A matched savings account, also known as an "Individual Development Account" or IDA, is a special savings account for people with low to moderate incomes. These accounts are designed to help families and individuals of modest means establish a pattern of regular saving and, ultimately, reach a specific financial goal.  

Typically, IDA savings and match money can be used to buy a house, pay for education, or start a small business. Each program has its own set of qualifications and restrictions. 

Funding for IDAs is limited and typically comes from state, federal, and private sources. 

Several Montana credit unions, in partnership with MCUCD and other nonprofit groups, are participating in IDA programs across the state. 

Matched Education Savings Account (MESA) Program

  • Asset Goal:  Tuition, fees and books at one of Montana's participating schools (not limited to those listed below).
  • Income Limits:  A household of one must have an annual income equal to or less than $22,340. For each additional household member, add $7,920; OR, you qualify for the federal Earned Income Tax Credit (EITC). For more EITC eligibility information visit
  • Current Status:  There are currently openings all MESA programs.
  • Program Contact:  For more information, contact Jami Kirksey at 1-800-745-5546 ext. 145, or via email at
  • Learn more about the MESA Programs today: 

           Carroll College MESA 

         Ron Verbeck Montana Tech MESA

         University of Montana MESA 

         Montana State University / Gallatin College MESA 

         Montana Statewide MESA 


NeighborWorks Montana First-Time Homebuyer IDA Program 

  • Asset Goal:  Purchase of a first home
  • Counties Served:  The entire state of Montana.
  • Income Limits:   A household of one must have an annual income equal to or less than $22,340. For each additional household member, add $7,640.
  • Current Status:  There are currently openings in all participating counties.
  • Program Contact:  For more information, contact Pat Hilgendorf ( at NeighborWorks Montana, (406) 761-5861  
  • Learn more about the NeighborWorks Montana First Time Homebuyer IDA Program today!
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