Credit union · NCUA insured
Billings Federal Credit Union CD Rates
Top CarrotBillings Federal Credit Union’s best CD rate is 3.90% APY on an 18-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Billings Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Billings, MT, where Billings Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Billings Federal Credit Union
3.75%APY
- Term
- 18 months
- Minimum
- $2,500
- Earns on $10,000
- $568
Share Certificates – Regular
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
Billings Federal Credit Union CD score
81
CD score
Higher than 54% of U.S. banks and credit unions
- 3–8 months3–8 mo3.60%
- 9–15 months9–15 mo3.65%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.45%
- QualifiedQualified3.75%
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 Billings 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.
Share Certificates – Regular
Up to 3.75%APY · 6 terms
$25.00 Share Savings deposit required. Dividends compound monthly. Early withdrawal penalty applies. Secure Checking account holders receive a 0.10% rate premium on share certificates with terms of one year or more.
| Term | APY · $2,500 and up | APY · $10,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsCompounded monthly. Early withdrawal penalty applies. $25 Share Savings deposit required | 3.40% | 3.60% | 3.65% | 3.80% | 3.40%3.60% from $10k3.65% from $50k3.80% from $100k | $169 |
| 12 monthsCompounded monthly. Early withdrawal penalty applies. $25 Share Savings deposit required. Secure Checking account holders receive a 0.10% rate premium | 3.50% | 3.65% | 3.70% | 3.75% | 3.50%3.65% from $10k3.70% from $50k3.75% from $100k | $350 |
| 18 monthsCompounded monthly. Early withdrawal penalty applies. $25 Share Savings deposit required. Secure Checking account holders receive a 0.10% rate premium | 3.55% | 3.75% | 3.80% | 3.90% | 3.55%3.75% from $10k3.80% from $50k3.90% from $100k | $537 |
| 24 monthsCompounded monthly. Early withdrawal penalty applies. $25 Share Savings deposit required. Secure Checking account holders receive a 0.10% rate premium | 3.30% | 3.50% | 3.55% | 3.65% | 3.30%3.50% from $10k3.55% from $50k3.65% from $100k | $671 |
| 30 monthsCompounded monthly. Early withdrawal penalty applies. $25 Share Savings deposit required. Secure Checking account holders receive a 0.10% rate premium | 3.30% | 3.50% | 3.55% | 3.65% | 3.30%3.50% from $10k3.55% from $50k3.65% from $100k | $846 |
| 60 monthsCompounded monthly. Early withdrawal penalty applies. $25 Share Savings deposit required. Secure Checking account holders receive a 0.10% rate premium | 3.25% | 3.45% | 3.55% | 3.60% | 3.25%3.45% from $10k3.55% from $50k3.60% from $100k | $1,734 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Share Certificates – All Individual Retirement Accounts – (IRAs)
Up to 3.75%APY · 6 terms
No annual fee or maintenance fee. Dividends compound monthly. Fixed rate and term. Early withdrawal penalty applies. $25.00 Share Savings deposit required. Secure Checking account holders receive a 0.10% rate premium on terms of one year or more.
| Term | APY · $2,500 and up | APY · $10,000 and up | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 6 monthsCompounded monthly. Early withdrawal penalty applies. $25 Share Savings deposit required. No annual or maintenance fee | 3.40% | 3.60% | 3.65% | 3.80% | 3.40%3.60% from $10k3.65% from $50k3.80% from $100k | $169 |
| 12 monthsCompounded monthly. Early withdrawal penalty applies. $25 Share Savings deposit required. No annual or maintenance fee. Secure Checking account holders receive a 0.10% rate premium | 3.50% | 3.65% | 3.70% | 3.75% | 3.50%3.65% from $10k3.70% from $50k3.75% from $100k | $350 |
| 18 monthsCompounded monthly. Early withdrawal penalty applies. $25 Share Savings deposit required. No annual or maintenance fee. Secure Checking account holders receive a 0.10% rate premium | 3.55% | 3.75% | 3.80% | 3.90% | 3.55%3.75% from $10k3.80% from $50k3.90% from $100k | $537 |
| 24 monthsCompounded monthly. Early withdrawal penalty applies. $25 Share Savings deposit required. No annual or maintenance fee. Secure Checking account holders receive a 0.10% rate premium | 3.30% | 3.50% | 3.55% | 3.65% | 3.30%3.50% from $10k3.55% from $50k3.65% from $100k | $671 |
| 30 monthsCompounded monthly. Early withdrawal penalty applies. $25 Share Savings deposit required. No annual or maintenance fee. Secure Checking account holders receive a 0.10% rate premium | 3.30% | 3.50% | 3.55% | 3.65% | 3.30%3.50% from $10k3.55% from $50k3.65% from $100k | $846 |
| 60 monthsCompounded monthly. Early withdrawal penalty applies. $25 Share Savings deposit required. No annual or maintenance fee. Secure Checking account holders receive a 0.10% rate premium | 3.25% | 3.45% | 3.55% | 3.60% | 3.25%3.45% from $10k3.55% from $50k3.60% from $100k | $1,734 |
Sources (2)
All captured Oct 15, 2026
Share Certificates – Cubby or Student Members
Up to 2.75%APY · 2 terms
Available for Cubby or Student Members. $25.00 Share Savings deposit required. Dividends compound monthly. Early withdrawal penalty applies. Secure Checking account holders receive a 0.10% rate premium on terms of one year or more.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsCompounded monthly. Early withdrawal penalty applies. $25 Share Savings deposit required | 2.50% | $124 |
| 12 monthsCompounded monthly. Early withdrawal penalty applies. $25 Share Savings deposit required. Secure Checking account holders receive a 0.10% rate premium | 2.75% | $275 |
Sources (1)
- billingsfcu.org/savings/savings-rates · captured Oct 15, 2026
Who can join Billings 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
- Membership is open to anyone who lives, works, attends school, or worships in 43 specified counties in Montana or 3 specified counties in Wyoming.
Family and household
- Membership is open to family members of eligible individuals.
Membership information collected October 4, 2026.