Credit union · NCUA insured
Lincoln County Credit Union CD Rates
Top CarrotLincoln County Credit Union’s best CD rate is 4.34% APY on a 1-year share certificate (CD). Terms run from 1 year to 5 years. Rates checked October 22, 2026.
How Lincoln County Credit Union’s CD rates compare
Compared with banks and credit unions in Montana, where Lincoln County Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Lincoln County Credit Union
4.34%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $434
Share Certificates
Top rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
2nd-highest rate
Mountain America Credit Union
4.50%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $5
- Earns on $10,000
- $920
Lincoln County Credit Union CD score
89
CD score
Higher than 85% of U.S. banks and credit unions
- 9–15 months9–15 mo4.34%
- 16–30 months16–30 mo4.08%
- 31–60 months31–60 mo3.56%
- QualifiedQualified4.34%
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 Lincoln County 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 Certificates
Up to 4.34%APY · 5 terms
Rates can change daily. A penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.34% | $434 |
| 18 months | 4.08% | $618 |
| 24 months | 3.82% | $779 |
| 36 months | 3.56% | $1,106 |
| 60 months | 3.56% | $1,911 |
Sources (1)
- lincolncountycu.com/savings-rates · captured Oct 4, 2026
Who can join Lincoln County 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This may be incomplete or out of date, so check with the credit union before you apply.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 people who live or work in Lincoln County, Montana.
Membership information collected October 4, 2026.