Credit union · NCUA insured
Intrepid Credit Union CD Rates
Intrepid Credit Union’s best CD rate is 3.70% APY on a 4-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Intrepid Credit Union’s CD rates compare
Compared with banks and credit unions near Helena, MT, where Intrepid Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Intrepid Credit Union
3.70%APY
- Term
- 48 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $1,564
Share Certificate
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Southwest Montana Community Federal Credit Union
4.06%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,202
Intrepid Credit Union CD score
81
CD score
Higher than 56% of U.S. banks and credit unions
- 3–8 months3–8 mo3.55%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.70%
- QualifiedQualified3.70%
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 Intrepid 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 Certificate
Up to 4.00%APY · 12 terms
Dividends calculated daily and compounded/credited quarterly. Fixed rate over term. $1,000 minimum deposit to open. Early withdrawal penalties apply based on maturity term. Automatic renewal at maturity with a 10 calendar day grace period.
| Term | APY · Any balance | APY · $1,000 – $10,000 | APY · $1,000 and up | APY · $10,000 – $40,000 | APY · $40,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| UnknownStudent Certificate available for ages 13 to 21 | 4.00% | — | — | — | — | 4.00% | $0 |
| 3 months | — | 3.50% | — | 3.50% | 3.50% | 3.50%3.50% $1k–$10k3.50% from $40k | $86 |
| 6 months | — | 3.55% | — | 3.55% | 3.55% | 3.55%3.55% $1k–$10k3.55% from $40k | $176 |
| 10–11 monthsMembers' Choice Special certificate (10 or 11 month term) | — | — | 3.55% | — | — | 3.55% | $295 |
| 12 months | — | 3.55% | — | 3.55% | 3.55% | 3.55%3.55% $1k–$10k3.55% from $40k | $355 |
| 15 months15 Month Special certificate | — | — | 3.55% | — | — | 3.55% | $446 |
| 19 months19 Month Special certificate | — | — | 3.60% | — | — | 3.60% | $576 |
| 24 months | — | 3.60% | — | 3.60% | 3.60% | 3.60%3.60% $1k–$10k3.60% from $40k | $733 |
| 30 months30 Month Special certificate | — | — | 3.60% | — | — | 3.60% | $924 |
| 36 months36 Month - No Bump certificate | 3.65% | — | — | — | — | 3.65% | $1,135 |
| 48 months48 Month - One Bump certificate. Includes an option during the first term to exchange the dividend rate for the bump-up rate then offered | 3.70% | — | — | — | — | 3.70% | $1,564 |
| 60 months60 Month - One Bump certificate. Includes an option during the first term to exchange the dividend rate for the bump-up rate then offered | 3.70% | — | — | — | — | 3.70% | $1,992 |
Special-purpose accounts
IRA Certificate
Up to 3.65%APY · 3 terms
Fixed-rate certificate for Traditional IRA, Roth IRA, SEP IRA, or Coverdell ESA funds. Requires an IRA Accumulator account. Terms range from 12 to 36 months. Dividends calculated daily and compounded/credited quarterly. An annual maintenance fee of $10 applies to IRAs having a combined balance of less than $500.
| Term | APY · $1,000 – $10,000 | APY · $10,000 – $40,000 | APY · $40,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 12 monthsAnnual fee of $10 waived if combined IRA balance is $500 or more | 3.55% | 3.55% | 3.55% | 3.55%3.55% $1k–$10k3.55% from $40k | $355 |
| 24 monthsAnnual fee of $10 waived if combined IRA balance is $500 or more | 3.60% | 3.60% | 3.60% | 3.60%3.60% $1k–$10k3.60% from $40k | $733 |
| 36 monthsAnnual fee of $10 waived if combined IRA balance is $500 or more | 3.65% | 3.65% | 3.65% | 3.65%3.65% $1k–$10k3.65% from $40k | $1,135 |
Who can join Intrepid 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 individuals who live within the field of membership counties (Broadwater, Cascade, Deer Lodge, Gallatin, Jefferson, Lewis and Clark, Powell, Silver Bow, Yellowstone, Stillwater, Sweet Grass, Park, Madison, Beaverhead, Ravalli, Granite, Missoula, Lake, Flathead).
- Membership is open to individuals who work within the serviced counties.
- Membership is open to individuals who worship within the serviced counties.
Employers and groups
- Membership is open to employees, independent contractors, or self-employed persons who work regularly in the health care industry in the State of Montana.
- Membership is open to members of the Montana Dental Association.
Military, government and schools
- Membership is open to active military members or veterans who live or are stationed in the state of Montana.
1 more way to join
Family and household
- Membership is open to immediate family members (spouse, child, sibling, parent, grandparent, or grandchild, including stepparents, stepchildren, stepsiblings, and adoptive relationships) of a current member in good standing.
Cost to join
- Opening a regular share savings account requires a $20 minimum deposit to become a member.
Membership information collected October 4, 2026.