Credit union · NCUA insured
Montana Credit Union Savings Rates
Top CarrotMontana Credit Union’s best savings rate is 0.80% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Montana Credit Union’s savings 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
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Peak Rewards Savings
Top rate
Horizon Credit Union
3.03%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $303
3rd-highest rate
U.S. Bank
2.00%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $200
Montana Credit Union savings score
84
Savings score
Higher than 67% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0000.80%
- $100,000 balance$100,0001.00%
- QualifiedQualified3.00%
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 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.
Peak Rewards Savings
Up to 3.00%APY
Requires a Peak Rewards Checking account. To earn the higher rate, during each Monthly Qualification Cycle enrollments must be in place and must have at least 1 bill pay or ACH payment transaction, at least 12 debit card purchases, and be enrolled in and review eStatements. No monthly service fees.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Applies to balances up to $10,000 when Peak Rewards Checking qualifications are met. | 3.00% | $300 | Applies to balances up to $10,000 when Peak Rewards Checking qualifications are met. |
| Any balanceBase rate applied to all balances if Peak Rewards Checking qualifications are not met. | 0.01% | $1 | Base rate applied to all balances if Peak Rewards Checking qualifications are not met. |
Sources (1)
- montanacu.com/checking-savings/savings · captured Sep 16, 2026
Money Market Account
0.80%APY
Requires a minimum deposit of $2,500 to open. Up to six withdrawals per month and check writing directly from the account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.70% | — |
| $2,500 – $50,000 | 0.80% | $80 |
| $50,000 – $75,000 | 0.90% | — |
| $75,000 and up | 1.00% | — |
Sources (2)
All captured Sep 16, 2026
Member Savings
0.01%APY
Establishes membership at Montana Credit Union.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (1)
- montanacu.com/checking-savings/savings · captured Sep 16, 2026
Special-purpose accounts
Christmas Club Savings
1.00%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
Sources (1)
- montanacu.com/checking-savings/savings · captured Sep 16, 2026
IRA Savings
1.00%APY
Must have $25 in a Member Savings account. Available as Traditional IRA and Roth IRA. No setup, monthly, or annual maintenance fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 1.00% | $100 |
Sources (2)
All captured Sep 16, 2026
FYI Club Savings
0.01%APY
For youth members ages 13 to 17.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (1)
- montanacu.com/checking-savings/youth · captured Sep 16, 2026
Pee Wee Penguin Youth Savings
0.01%APY
Designed for youth members ages 12 and younger.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (1)
- montanacu.com/checking-savings/youth · captured Sep 16, 2026
WINcentive Savings
0.01%APY
Must be a Montana resident, age 18 or older, and in good standing with the credit union. Minors not eligible. Must open in branch. One account per SSN. No monthly service fees.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.01% | $1 |
Sources (1)
- montanacu.com/checking-savings/savings · captured Sep 16, 2026
Who can join Montana Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.