Credit union · NCUA insured
Bitterroot Community Federal Credit Union Savings Rates
Bitterroot Community Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Bitterroot Community Federal Credit Union’s savings rates compare
Compared with banks and credit unions in Montana, where Bitterroot Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Bitterroot Community Federal Credit Union
0.05%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $5
Money Market
Top rate
Daniels-Sheridan Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
2nd-highest rate
Mile High FCU
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $350
Bitterroot Community Federal Credit Union savings score
60
Savings score
Higher than 2% of U.S. banks and credit unions
- $1,000 balance$1,0000.04%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 Bitterroot Community 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.
Money Market
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 and upMinimum balance required: $2500. Dividends pay monthly.$2,500 and up | 0.05% | $5 | Minimum balance required: $2500. Dividends pay monthly. |
Sources (1)
- bitterrootcommunityfcu.com/investment-rates · captured Sep 16, 2026
Basic Share Account
0.04%APY
Basic membership account representing one share of ownership in the credit union. Required for membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends pay monthly. $25.00 minimum balance required.$25 and up | 0.04% | $4 | Dividends pay monthly. $25.00 minimum balance required. |
Sources (3)
- bitterrootcommunityfcu.com/services/savings
- bitterrootcommunityfcu.com/investment-rates
- bitterrootcommunityfcu.com/savings
All captured Sep 16, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
0.13%APY
Available as Traditional and Roth IRA wrappers with identical account terms.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance. Dividends pay monthly. Applies to Traditional and Roth IRAs.Any balance | 0.13% | $13 | No minimum balance. Dividends pay monthly. Applies to Traditional and Roth IRAs. |
Sources (2)
All captured Sep 16, 2026
Christmas Club Account
0.04%APY
Withdrawal checks issued once a year (November / around December 1st). Once a withdrawal is taken, the account closes for the year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNovember withdrawal (1 x per yr). Dividends pay monthly. No minimum balance.Any balance | 0.04% | $4 | November withdrawal (1 x per yr). Dividends pay monthly. No minimum balance. |
Sources (2)
All captured Sep 16, 2026
Club Account
0.04%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance. Dividends pay monthly.Any balance | 0.04% | $4 | No minimum balance. Dividends pay monthly. |
Sources (1)
- bitterrootcommunityfcu.com/investment-rates · captured Sep 16, 2026
Who can join Bitterroot Community 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
- Anyone who lives (full or part-time), works, or worships in Ravalli County, Montana is eligible for membership.
Family and household
- Family members are eligible for membership.
Membership information collected October 4, 2026.