Bank · FDIC insured
Freedom Bank CD Rates
Freedom Bank’s best CD rate is 3.56% APY on a 1-year CD. Terms run from 6 months to 2 years. Rates checked October 22, 2026.
How Freedom Bank’s CD rates compare
Compared with banks and credit unions near Kalispell, MT, where Freedom Bank has the most branches. $10,000, best rate first.
This bank’s best
Freedom Bank
3.56%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $356
Certificates of Deposit
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Park Side Credit Union
4.25%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $425
Freedom Bank CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo3.04%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.30%
- QualifiedQualified3.56%
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 Freedom Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.56%APY · 4 terms
A penalty may be imposed for early withdrawal on all CDs.
| Term | APY · $500 – $10,000 | APY · $10,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 6 months$10,000.00 and Up. Minimum balance to obtain APY is based on daily balance. Fees could reduce earnings | — | 3.04% | 3.04% | $151 |
| 6 monthsUnder $10,000.00. Minimum balance to obtain APY is based on daily balance. Fees could reduce earnings | 2.53% | — | —2.53% $500–$10k | — |
| 12 months$10,000.00 and Up. Minimum balance to obtain APY is based on daily balance. Fees could reduce earnings | — | 3.56% | 3.56% | $356 |
| 12 monthsUnder $10,000.00. Minimum balance to obtain APY is based on daily balance. Fees could reduce earnings | 3.30% | — | —3.30% $500–$10k | — |
| 18 months$10,000.00 and Up. Minimum balance to obtain APY is based on daily balance. Fees could reduce earnings | — | 3.30% | 3.30% | $499 |
| 18 monthsUnder $10,000.00. Minimum balance to obtain APY is based on daily balance. Fees could reduce earnings | 3.04% | — | —3.04% $500–$10k | — |
| 24 months$10,000.00 and Up. Minimum balance to obtain APY is based on daily balance. Fees could reduce earnings | — | 3.04% | 3.04% | $617 |
| 24 monthsUnder $10,000.00. Minimum balance to obtain APY is based on daily balance. Fees could reduce earnings | 2.78% | — | —2.78% $500–$10k | — |
Sources (1)
- freedombankmt.com/resources-help/rates · captured Sep 16, 2026
Special-purpose accounts
IRA Savings
Up to 3.56%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMinimum balance to obtain APY is based on daily balance (amount of principal in account each day). Fees could reduce earnings | 3.30% | $330 |
| 18 monthsMinimum balance to obtain APY is based on daily balance (amount of principal in account each day). Fees could reduce earnings | 3.56% | $539 |
Sources (1)
- freedombankmt.com/resources-help/rates · captured Sep 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.