Credit union · NCUA insured
Lincoln County Credit Union Savings Rates
Top CarrotLincoln County Credit Union’s best savings rate is 1.31% APY on $10,000, with its Money Market Share Draft Account. Rates checked October 22, 2026.
How Lincoln County Credit Union’s savings 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
1.31%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $131
Money Market Share Draft Account
Top rate
Daniels-Sheridan Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
2nd-highest rate
Mile High FCU
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $350
Lincoln County Credit Union savings score
87
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0001.31%
- $10,000 balance$10,0001.31%
- $100,000 balance$100,0001.36%
- QualifiedQualified1.31%
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 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.
Money Market Share Draft Account
1.31%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $20,000 | 1.31% | $131 |
| $20,000 – $100,000 | 1.36% | — |
| Over $100,000 | 1.41% | — |
Sources (1)
- lincolncountycu.com/savings-rates · captured Sep 16, 2026
Share Savings Account
0.25%APY
Opening a Share Savings Account requires a minimum balance of $25.00 and establishes credit union membership. No monthly maintenance fees. Dividends are compounded quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $5,000Tier 1 rate. Dividends compounded quarterly. | 0.20% | — | Tier 1 rate. Dividends compounded quarterly. |
| $5,000 – $10,000Tier 2 rate. Dividends compounded quarterly. | 0.25% | $25 | Tier 2 rate. Dividends compounded quarterly. |
| $10,000 – $20,000Tier 3 rate. Dividends compounded quarterly. | 0.30% | — | Tier 3 rate. Dividends compounded quarterly. |
| Over $20,000Tier 4 rate. Dividends compounded quarterly. | 0.40% | — | Tier 4 rate. Dividends compounded quarterly. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Individual Retirement Account
0.30%APY
Available as Traditional IRA or Roth IRA. Dividends are compounded quarterly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $20,000Tier 1 rate. Dividends compounded quarterly. | 0.30% | $30 | Tier 1 rate. Dividends compounded quarterly. |
| $20,000 – $100,000Tier 3 rate. Dividends compounded quarterly. | 0.50% | — | Tier 3 rate. Dividends compounded quarterly. |
| Over $100,000Tier 4 rate. Dividends compounded quarterly. | 0.75% | — | Tier 4 rate. Dividends compounded quarterly. |
Sources (2)
All captured Sep 16, 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.