Credit union · NCUA insured
Montana Credit Union CD Rates
Top CarrotMontana Credit Union’s best CD rate is 3.50% APY on a 6-month share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 22, 2026.
How Montana Credit Union’s CD rates compare
Compared with banks and credit unions near Great Falls, MT, where Montana Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Montana Credit Union
3.50%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $173
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
Montana Credit Union CD score
77
CD score
Higher than 45% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.50%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.50%
- QualifiedQualified3.50%
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 Montana 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
3.50%APY · 7 terms
Requires $25 in Member Savings account. Photo ID required to open. No maintenance fees. Early withdrawal penalties apply (less than 1 year = 91 days' dividends; 1-3 years = 182 days' dividends; >3 years = 365 days' dividends).
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsNo minimum balance required to earn stated APY. Early withdrawal penalties apply | 3.50% | $173 |
| 12 monthsNo minimum balance required to earn stated APY. Early withdrawal penalties apply | 3.50% | $350 |
| 18 monthsNo minimum balance required to earn stated APY. Early withdrawal penalties apply | 3.50% | $530 |
| 24 monthsNo minimum balance required to earn stated APY. Early withdrawal penalties apply | 3.50% | $712 |
| 30 monthsNo minimum balance required to earn stated APY. Early withdrawal penalties apply | 3.50% | $898 |
| 36 monthsNo minimum balance required to earn stated APY. Early withdrawal penalties apply | 3.50% | $1,087 |
| 48 monthsNo minimum balance required to earn stated APY. Early withdrawal penalties apply | 3.50% | $1,475 |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
FYI Share Certificate
6.00%APY · 1 term
Limited to account holders ages 13-17. Minimum opening deposit of $100 and maximum deposit of $1,000. No maintenance fees. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsLimited to account holders ages 13-17. Maximum deposit amount of $1,000. No minimum balance required to earn stated APY. Early withdrawal penalties apply | 6.00% | — |
Sources (1)
- montanacu.com/checking-savings/certificates · captured Sep 16, 2026
IRA Share Certificates
3.50%APY · 7 terms
Schedule explicitly valid for both share certificates and IRA share certificates. Traditional and Roth IRA options available. Must have $25 in Member Savings account. Photo ID required to open. No setup, monthly, or annual maintenance fees. Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsNo minimum balance required to earn stated APY. Early withdrawal penalties apply | 3.50% | $173 |
| 12 monthsNo minimum balance required to earn stated APY. Early withdrawal penalties apply | 3.50% | $350 |
| 18 monthsNo minimum balance required to earn stated APY. Early withdrawal penalties apply | 3.50% | $530 |
| 24 monthsNo minimum balance required to earn stated APY. Early withdrawal penalties apply | 3.50% | $712 |
| 30 monthsNo minimum balance required to earn stated APY. Early withdrawal penalties apply | 3.50% | $898 |
| 36 monthsNo minimum balance required to earn stated APY. Early withdrawal penalties apply | 3.50% | $1,087 |
| 48 monthsNo minimum balance required to earn stated APY. Early withdrawal penalties apply | 3.50% | $1,475 |
Sources (2)
All captured Sep 16, 2026
Who can join Montana Credit Union
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