Credit union · NCUA insured
Mile High FCU CD Rates
Mile High FCU’s best CD rate is 3.80% APY on a 3-month share certificate (CD). Terms run from 3 months to 2 years. Rates checked October 22, 2026.
How Mile High FCU’s CD rates compare
Compared with banks and credit unions near Butte, MT, where Mile High FCU has the most branches. $10,000, best rate first.
This credit union’s best
Mile High FCU
3.80%APY
- Term
- 3 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $94
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
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Mile High FCU CD score
73
CD score
Higher than 33% of U.S. banks and credit unions
- 3–8 months3–8 mo3.80%
- 9–15 months9–15 mo2.78%
- 16–30 months16–30 mo3.03%
- QualifiedQualified3.80%
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 Mile High FCU 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 3.80%APY · 5 terms
Fixed rates; higher rates by selecting a longer term. A wide range of terms available (from 6 months to 30 months). No setup or maintenance fees. Early withdrawals subject to penalty. $500 minimum deposit to open (or $1,000 as stated in rate schedule).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsShare Certificate of Deposit Special. Limited time offer. Penalty for early withdrawal | 3.80% | $94 |
| 6 monthsShare Certificate of Deposit Special. Limited time offer. Penalty for early withdrawal | 3.55% | $176 |
| 12 monthsPenalty for early withdrawal | 2.78% | $278 |
| 18 monthsPenalty for early withdrawal | 2.78% | $420 |
| 24 monthsPenalty for early withdrawal | 3.03% | $615 |
Sources (3)
- milehighfcu.org/accounts/perso…/share-certificates.html
- milehighfcu.org/services-tools/tools/rates.html
- milehighfcu.org/accounts/personal-savings
All captured Oct 22, 2026
Special-purpose accounts
IRA Share Certificates
Up to 3.03%APY · 3 terms
Funds can be used to purchase CDs within Traditional and Roth IRAs. $25 setup fee; $50 annual maintenance fee for IRA. Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months$25 setup fee; $50 annual maintenance fee for IRA. Penalty for early withdrawal | 2.78% | $278 |
| 18 months$25 setup fee; $50 annual maintenance fee for IRA. Penalty for early withdrawal | 2.78% | $420 |
| 24 months$25 setup fee; $50 annual maintenance fee for IRA. Penalty for early withdrawal | 3.03% | $615 |
Sources (2)
- milehighfcu.org/accounts/perso…ement-accounts-iras.html
- milehighfcu.org/services-tools/tools/rates.html
All captured Oct 22, 2026
Who can join Mile High FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live in Silver Bow County, Montana are eligible for membership.
- Persons who regularly work, attend school, worship, or participate in associations headquartered in Silver Bow County, Montana are eligible for membership.
Employers and groups
- Incorporated organizations located in Silver Bow County, Montana or maintaining a facility in Silver Bow County, Montana are eligible for membership.
Family and household
- All family members of eligible persons, including spouses, children, step-children, parents, grandparents, in-laws, aunts, uncles, and cousins, are eligible for membership.
Other ways
- Persons participating in programs to alleviate poverty or distress located in Silver Bow County, Montana are eligible for membership.
Cost to join
- Must open a share account and maintain a minimum balance of $5.00 to become a member.
Membership information collected October 4, 2026.