Credit union · NCUA insured
Intrepid Credit Union Savings Rates
Intrepid Credit Union’s best savings rate is 0.65% APY on $10,000, with its Premium Money Market. Rates checked October 22, 2026.
How Intrepid Credit Union’s savings 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
1.00%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $100
Free Kasasa Saver
Top rate
Southwest Montana Community Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
2nd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Intrepid Credit Union savings score
81
Savings score
Higher than 56% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0001.50%
- QualifiedQualified1.00%
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 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.
Premium Money Market
0.65%APY
Avoid the $10 monthly maintenance fee by maintaining a $2,500 minimum balance. Minimum withdrawals are $200. 6 free transfers or withdrawals per month (only 3 can be a transfer or check payable to a third party); $5 per transaction in excess thereafter. Dividends compounded daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $10,000 | 0.45% | — |
| $10,000 – $20,000 | 0.65% | $65 |
| $20,000 – $40,000 | 0.90% | — |
| $40,000 – $50,000 | 1.15% | — |
| $50,000 – $100,000 | 1.40% | — |
| $100,000 and up | 1.50% | — |
Sources (3)
- intrepidcu.org/accounts/personal-savings
- intrepidcu.org/accounts/person…oney-market-account.html
- intrepidcu.org/services-tools/tools/rates.html
All captured Oct 22, 2026
Premium Plus Money Market
0.65%APY
Avoid the $25 monthly maintenance fee by maintaining a $25,000 minimum balance. Minimum withdrawals are $200. Unlimited in-person withdrawals or by mail; 6 free transfers or withdrawals per month (only 3 can be a transfer or check payable to a third party); $5 per transaction in excess thereafter. Dividends compounded daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $25,000 | 0.65% | $65 |
| $25,000 – $50,000 | 1.00% | — |
| $50,000 – $100,000 | 1.45% | — |
| $100,000 – $250,000 | 1.50% | — |
| $250,000 and up | 1.50% | — |
Sources (3)
- intrepidcu.org/accounts/personal-savings
- intrepidcu.org/accounts/person…oney-market-account.html
- intrepidcu.org/services-tools/tools/rates.html
All captured Oct 22, 2026
Free Kasasa Saver
Up to 1.00%APY
Linked to a Kasasa Cash or Kasasa Cash Back account. Limit 1 account per SSN/ITIN. No recurring monthly maintenance charges or fees to open or close.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000When qualifications are met on linked Kasasa Cash or Kasasa Cash Back account (at least 12 debit card purchases, enrolled in e-Statements, at least 1 direct deposit/ACH Credit/ACH Debit transaction per Monthly Qualification Cycle). | 1.00% | $100 | When qualifications are met on linked Kasasa Cash or Kasasa Cash Back account (at least 12 debit card purchases, enrolled in e-Statements, at least 1 direct deposit/ACH Credit/ACH Debit transaction per Monthly Qualification Cycle). |
| Any balanceBase rate earned on all balances when qualifications are not met on linked Kasasa account. | 0.05% | $5 | Base rate earned on all balances when qualifications are not met on linked Kasasa account. |
Sources (2)
- intrepidcu.org/accounts/person…s/free-kasasa-saver.html
- intrepidcu.org/services-tools/tools/rates.html
All captured Sep 16, 2026
Regular Share Savings
0.05%APY
Must be 16 years old to open account (or have a co-signer or legal guardian). $5 minimum balance required to maintain membership. 4 free withdrawals per month; $5 per withdrawal in excess thereafter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum daily balance of $100.00 required each day to obtain APY. $5.00 opening minimum required per Truth-in-Savings disclosure ($20 minimum deposit to open mentioned in membership join pages).$100 and up | 0.05% | $5 | Minimum daily balance of $100.00 required each day to obtain APY. $5.00 opening minimum required per Truth-in-Savings disclosure ($20 minimum deposit to open mentioned in membership join pages). |
Special-purpose accounts
IRA Accumulator Account
0.35%APY
Available as Traditional IRA, Roth IRA, SEP IRA, or Coverdell Education Savings Account (ESA). $10.00 annual maintenance fee waived with an accumulative/combined balance of $500.00 in IRA Accumulator and IRA Share Certificates.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Tier paid on portion of daily balance greater than $24.99 but less than $1,000. Annual fee waived if combined IRA balance is $500.00 or more. | 0.35% | — | Tier paid on portion of daily balance greater than $24.99 but less than $1,000. Annual fee waived if combined IRA balance is $500.00 or more. |
| $1,000 and upTier paid on portion of daily balance greater than $999.99 (APY based on $4,000 initial contribution/balance). Annual fee waived if combined IRA balance is $500.00 or more. | 0.35% | $35 | Tier paid on portion of daily balance greater than $999.99 (APY based on $4,000 initial contribution/balance). Annual fee waived if combined IRA balance is $500.00 or more. |
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.