Credit union · NCUA insured
Altana Federal Credit Union CD Rates
Top CarrotAltana Federal Credit Union’s best CD rate is 4.18% APY on a 14-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Altana Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Billings, MT, where Altana Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Altana Federal Credit Union
4.18%APY
- Term
- 14 months
- Minimum
- $500
- Earns on $10,000
- $489
Certificate of Deposit
Top rate
Mountain America Credit Union
4.50%APY
- Term
- 24 months
- Minimum
- $5
- Earns on $10,000
- $920
2nd-highest rate
Valley Credit Union
4.33%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $433
Altana Federal Credit Union CD score
82
CD score
Higher than 58% of U.S. banks and credit unions
- 3–8 months3–8 mo2.79%
- 9–15 months9–15 mo4.18%
- 16–30 months16–30 mo2.99%
- 31–60 months31–60 mo3.19%
- QualifiedQualified4.18%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Altana Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate of Deposit
Up to 4.18%APY · 7 terms
Earned dividends can be transferred to savings or checking or added to the certificate balance.
| Term | APY · $500 – $9,999 | APY · $500 and up | APY · $10,000 – $24,999 | APY · $25,000 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 6 months | 2.64% | — | 2.79% | 3.14% | 3.49% | 3.69% | 2.79%2.64% $500–$10k3.14% $25k–$50k3.49% $50k–$100k3.69% from $100k | $139 |
| 12 months | 3.79% | — | 3.79% | 3.79% | 3.79% | 3.79% | 3.79%3.79% $500–$10k3.79% $25k–$50k3.79% $50k–$100k3.79% from $100k | $379 |
| 14 monthsLimited time offer. Early withdrawal penalties apply | — | 4.18% | — | — | — | — | 4.18% | $489 |
| 18 months | 2.64% | — | 2.79% | 3.14% | 3.49% | 3.69% | 2.79%2.64% $500–$10k3.14% $25k–$50k3.49% $50k–$100k3.69% from $100k | $421 |
| 24 months | 2.84% | — | 2.99% | 3.34% | 3.69% | 3.89% | 2.99%2.84% $500–$10k3.34% $25k–$50k3.69% $50k–$100k3.89% from $100k | $607 |
| 36 months | 2.94% | — | 3.09% | 3.44% | 3.79% | 3.99% | 3.09%2.94% $500–$10k3.44% $25k–$50k3.79% $50k–$100k3.99% from $100k | $956 |
| 60 months | 3.04% | — | 3.19% | 3.54% | 3.89% | 4.09% | 3.19%3.04% $500–$10k3.54% $25k–$50k3.89% $50k–$100k4.09% from $100k | $1,700 |
Special-purpose accounts
Coverdell Education Savings Certificate
Up to 4.09%APY · 3 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.79% | $379 |
| 24 months | 3.89% | $793 |
| 60 months | 4.09% | $2,219 |
Sources (1)
- altanafcu.org/rates · captured Oct 15, 2026
IRA Certificates
Up to 3.79%APY · 4 terms
Traditional, Roth or Coverdell Education available; catch-up contributions allowed for ages 50+.
| Term | APY · $500 – $9,999 | APY · $10,000 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 12 months | 3.79% | 3.79% | 3.79% | 3.79% | 3.79%3.79% $500–$10k3.79% $50k–$100k3.79% from $100k | $379 |
| 24 months | 2.84% | 3.34% | 3.69% | 3.89% | 3.34%2.84% $500–$10k3.69% $50k–$100k3.89% from $100k | $679 |
| 36 months | 2.94% | 3.44% | 3.79% | 3.99% | 3.44%2.94% $500–$10k3.79% $50k–$100k3.99% from $100k | $1,068 |
| 60 months | 3.04% | 3.54% | 3.89% | 4.09% | 3.54%3.04% $500–$10k3.89% $50k–$100k4.09% from $100k | $1,900 |
Student Certificates
Up to 3.79%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.85% | $141 |
| 12 months | 3.79% | $379 |
Sources (1)
- altanafcu.org/rates · captured Oct 15, 2026
Who can join Altana Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in 40 Montana counties or 9 Wyoming counties are eligible for membership.
Family and household
- Relatives of an Altana member are eligible for membership.
Cost to join
- To join and belong to the cooperative, members must open and maintain a member savings account with a minimum deposit and balance of $25 ($5 for ages 0-11).
Membership information collected October 4, 2026.