Bank · FDIC insured
Madison Valley Bank Savings Rates
Madison Valley Bank’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Madison Valley Bank’s savings 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
0.25%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $25
Montana Medical Savings
Top rate
Horizon Credit Union
3.03%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $303
2nd-highest rate
Sky Federal Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Madison Valley Bank savings score
71
Savings score
Higher than 29% of U.S. banks and credit unions
- $1,000 balance$1,0000.25%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.25%
- QualifiedQualified0.25%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $25,000Minimum daily balance of $1,000 to obtain APY. | 0.25% | $25 | Minimum daily balance of $1,000 to obtain APY. |
| $25,000 – $50,000Minimum daily balance of $25,000 to obtain APY. | 0.25% | — | Minimum daily balance of $25,000 to obtain APY. |
| $50,000 – $100,000Minimum daily balance of $50,000 to obtain APY. | 0.25% | — | Minimum daily balance of $50,000 to obtain APY. |
| $100,000 and upMinimum daily balance of $100,000 to obtain APY. | 0.25% | — | Minimum daily balance of $100,000 to obtain APY. |
Sources (1)
- madisonvalleybank.com/Personal/deposit-rates · captured Sep 16, 2026
Montana Medical Savings
0.25%APY
Used to pay for eligible medical expenses. Up to $4,600 of contributions per individual is exempted from MT Income Tax.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upMaintenance charge of $1 if $100 minimum balance is not maintained. Minimum daily balance of $1 to obtain APY.$1 and up | 0.25% | $25 | Maintenance charge of $1 if $100 minimum balance is not maintained. Minimum daily balance of $1 to obtain APY. |
Sources (2)
All captured Sep 16, 2026
Personal Savings
0.25%APY
Account is allowed twelve withdrawals or transfers every statement cycle ($1 fee for each withdrawal over 12), and six limited withdrawals or transfers per cycle. $2 cycle maintenance charge if $50 minimum balance is not maintained.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and up$2 cycle maintenance charge if minimum balance is not maintained. Minimum daily balance of $50 to obtain APY.$50 and up | 0.25% | $25 | $2 cycle maintenance charge if minimum balance is not maintained. Minimum daily balance of $50 to obtain APY. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Holiday Savings
0.75%APY
No withdrawals until maturity date.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upNo withdrawals until maturity date. Minimum daily balance of $50 to obtain APY.$50 and up | 0.75% | $75 | No withdrawals until maturity date. Minimum daily balance of $50 to obtain APY. |
Sources (2)
All captured Sep 16, 2026
Health Savings
0.15%APY
Used in conjunction with a qualifying high-deductible health plan as defined by the IRS. Total annual deposits may not exceed maximum allowed. Withdrawals must be for covered medical expenses as defined by IRS Publication 509.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upCycle maintenance charge of $2.50. Minimum daily balance of $1 to obtain APY.$1 and up | 0.15% | $15 | Cycle maintenance charge of $2.50. Minimum daily balance of $1 to obtain APY. |
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.