Bank · FDIC insured
Independence Bank Savings Rates
A $1.4B bank headquartered in Havre, MT, with 10 branches in Montana.
How Independence Bank’s savings rates compare
On $10,000. The best rate among banks and credit unions with branches in each area, and among accounts anyone can open online.
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Christmas Club Account
4.00%APY on $10,000
52-week savings program. Program period runs November 1 - October 31 each year and automatically renews. Must be opened by January 31st in any given year to participate. Debits and withdrawals are not permitted; if a withdrawal is made before maturity, a $10 fee is assessed per withdrawal. Accounts that maintain a zero balance for 65 consecutive days will be automatically closed. Full balance paid out by check mailed on the last business day of October. No monthly maintenance fees.
| Part of balance | Rate |
|---|---|
| Up to $10,000 | 4.00% |
On $10,000 the tiers blend to about 4.00% APY, earning $400 a year.
Sources (1)
- ibyourbank.com/Savings · captured Oct 29, 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.