Bank · FDIC insured
Madison Valley Bank CD Rates
Madison Valley Bank’s best CD rate is 2.87% APY on a 7-month CD. Terms run from 1 month to 4 years. Rates checked October 22, 2026.
How Madison Valley Bank’s CD rates compare
Compared with banks and credit unions near Bozeman, MT, where Madison Valley Bank has the most branches. $10,000, best rate first.
This bank’s best
Madison Valley Bank
2.87%APY
- Term
- 7–8 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- —
Certificates of Deposit
Top rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
2nd-highest rate
Valley Credit Union
4.33%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $433
Madison Valley Bank CD score
64
CD score
Higher than 10% of U.S. banks and credit unions
- 3–8 months3–8 mo2.87%
- 9–15 months9–15 mo2.01%
- 16–30 months16–30 mo1.81%
- 31–60 months31–60 mo1.86%
- QualifiedQualified2.87%
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 Madison Valley Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 2.87%APY · 8 terms
Penalty imposed for early withdrawal. Interest begins accruing on deposit date and compounds daily.
| Term | APY · $100 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1–3 monthsPenalty imposed for early withdrawal | — | 0.85% | 0.85% | $7 |
| 3–6 monthsPenalty imposed for early withdrawal | — | 1.10% | 1.10% | $27 |
| 3–6 monthsRate with no direct deposit. Penalty imposed for early withdrawal | — | 1.96% | 1.96% | $49 |
| 3–6 monthsRequires maintaining a separate account with a qualifying direct deposit (payroll, government, or dividend direct deposits). If no longer receiving direct deposit at renewal, time deposit reverts to current applicable rate without direct deposit special. Penalty imposed for early withdrawal | — | 2.73% | 2.73% | $68 |
| 6–12 monthsPenalty imposed for early withdrawal | — | 1.35% | 1.35% | $67 |
| 7–8 monthsRate with no direct deposit. Penalty imposed for early withdrawal | — | 2.11% | 2.11% | $123 |
| 7–8 monthsRequires maintaining a separate account with a qualifying direct deposit (payroll, government, or dividend direct deposits). If no longer receiving direct deposit at renewal, time deposit reverts to current applicable rate without direct deposit special. Penalty imposed for early withdrawal | — | 2.87% | 2.87% | $166 |
| 12–24 monthsPenalty imposed for early withdrawal | — | 2.01% | 2.01% | $201 |
| 18 monthsVariable rate; multiple deposits allowed. Interest rate and APY may change after account opening. Penalty imposed for early withdrawal | 1.65% | — | 1.65% | $249 |
| 24–48 monthsPenalty imposed for early withdrawal | — | 1.81% | 1.81% | $365 |
| 48–Unknown monthsPenalty imposed for early withdrawal | — | 1.86% | 1.86% | $765 |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Individual Retirement Accounts
Up to 2.87%APY · 8 terms
Available as Traditional IRAs, Roth IRAs, SEP IRAs, and Simple IRAs. The same terms, conditions, and interest rates as Certificates of Deposit apply. Penalty imposed for early withdrawal. Interest begins accruing on deposit date and compounds daily.
| Term | APY · $100 and up | APY · $500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 1–3 monthsPenalty imposed for early withdrawal | — | 0.85% | 0.85% | $7 |
| 3–6 monthsPenalty imposed for early withdrawal | — | 1.10% | 1.10% | $27 |
| 3–6 monthsRate with no direct deposit. Penalty imposed for early withdrawal | — | 1.96% | 1.96% | $49 |
| 3–6 monthsRequires maintaining a separate account with a qualifying direct deposit (payroll, government, or dividend direct deposits). If no longer receiving direct deposit at renewal, time deposit reverts to current applicable rate without direct deposit special. Penalty imposed for early withdrawal | — | 2.73% | 2.73% | $68 |
| 6–12 monthsPenalty imposed for early withdrawal | — | 1.35% | 1.35% | $67 |
| 7–8 monthsRate with no direct deposit. Penalty imposed for early withdrawal | — | 2.11% | 2.11% | $123 |
| 7–8 monthsRequires maintaining a separate account with a qualifying direct deposit (payroll, government, or dividend direct deposits). If no longer receiving direct deposit at renewal, time deposit reverts to current applicable rate without direct deposit special. Penalty imposed for early withdrawal | — | 2.87% | 2.87% | $166 |
| 12–24 monthsPenalty imposed for early withdrawal | — | 2.01% | 2.01% | $201 |
| 18 monthsVariable rate; multiple deposits allowed. Interest rate and APY may change after account opening. Penalty imposed for early withdrawal | 1.65% | — | 1.65% | $249 |
| 24–48 monthsPenalty imposed for early withdrawal | — | 1.81% | 1.81% | $365 |
| 48–Unknown monthsPenalty imposed for early withdrawal | — | 1.86% | 1.86% | $765 |
Sources (2)
All captured Sep 16, 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.