Credit union · NCUA insured
Montana Educators' Credit Union CD Rates
Montana Educators' Credit Union’s best CD rate is 4.25% APY on a 1-year share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 22, 2026.
How Montana Educators' Credit Union’s CD rates compare
Compared with banks and credit unions near Missoula, MT, where Montana Educators' Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Montana Educators' Credit Union
4.25%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $425
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
Mountain America Credit Union
4.50%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $5
- Earns on $10,000
- $920
Montana Educators' Credit Union CD score
86
CD score
Higher than 73% of U.S. banks and credit unions
- 3–8 months3–8 mo3.75%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.75%
- QualifiedQualified4.25%
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 Montana Educators' 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
Up to 4.25%APY · 3 terms
Penalty for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal | 3.75% | $186 |
| 12 monthsPenalty for early withdrawal | 4.25% | $425 |
| 24 monthsPenalty for early withdrawal | 3.75% | $764 |
Who can join Montana Educators' Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to all residents of Missoula, Granite, Lake, Mineral, Ravalli, and Sanders counties.
Family and household
- Membership is open to families of current MECU members.
Membership information collected October 4, 2026.