Credit union · NCUA insured
Billings Federal Credit Union Savings Rates
Top CarrotBillings Federal Credit Union’s best savings rate is 0.50% APY on $10,000, with its Priority Money Market Account. Rates checked October 22, 2026.
How Billings Federal Credit Union’s savings 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
2.50%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $250
Active Saver Suite
2nd-highest rate
Altana Federal Credit Union
2.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $200
3rd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Billings Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
By balance
- $1,000 balance$1,0002.50%
- $10,000 balance$10,0002.50%
- $100,000 balance$100,0001.60%
- QualifiedQualified2.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Active Saver Suite
2.50%APY
Maximum opening deposit is $1,000. Requires $20 minimum monthly automatic deposit (maximum monthly deposit is $800). For the first two years, a $25 access fee is assessed for all withdrawals. Requires $25.00 Share Savings deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000Promotional rate applies on balances up to $20,000; balances greater than $20,000 earn regular share savings rate.Up to $20,000 | 2.50% | $250 | Promotional rate applies on balances up to $20,000; balances greater than $20,000 earn regular share savings rate. |
Sources (2)
All captured Oct 4, 2026
Premium Money Market Account
0.00%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. | 0.00% | $0 | Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. |
| $25,000 – $49,999Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. | 0.85% | — | Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. |
| $50,000 – $99,999Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. | 1.20% | — | Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. |
| $100,000 – $249,999Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. | 1.60% | — | Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. |
| $250,000 and upNon-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. | 1.75% | — | Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. |
Sources (2)
All captured Oct 4, 2026
Priority Money Market Account
0.50%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,499Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. | 0.00% | — | Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. |
| $2,500 – $9,999Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. | 0.50% | — | Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. |
| $10,000 – $24,999Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. | 0.50% | $50 | Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. |
| $25,000 – $49,999Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. | 0.50% | — | Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. |
| $50,000 – $99,999Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. | 0.55% | — | Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. |
| $100,000 and upNon-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. | 0.60% | — | Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account. |
Sources (2)
All captured Oct 4, 2026
Share Savings
0.10%APY
Opens the door to membership. Single service accounts under $300 may be subject to fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $24 | 0.00% | — |
| Up to $100 | 0.05% | — |
| $101 – $1,000 | 0.05% | — |
| $1,001 and up | 0.10% | $10 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
All IRA Shares
1.75%APY
No annual fee or maintenance fee. Requires $25.00 Share Savings deposit.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $4,999 | 1.50% | — |
| $5,000 – $25,000 | 1.75% | $175 |
| Over $25,000 | 2.00% | — |
Sources (2)
All captured Oct 4, 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.