Credit union · NCUA insured
Mountain West Federal Credit Union Savings Rates
Mountain West Federal Credit Union’s best savings rate is 0.05% APY on $10,000, with its Share Account. Rates checked October 22, 2026.
How Mountain West Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Butte, MT, where Mountain West Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Mountain West Federal Credit Union
0.05%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $5
Share Account
Top rate
Mile High FCU
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $350
2nd-highest rate
Horizon Credit Union
3.03%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $303
Mountain West Federal Credit Union savings score
61
Savings score
Higher than 3% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0000.05%
- QualifiedQualified0.05%
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 Mountain West Federal 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.
Share Account
0.05%APY
Basic membership account representing one share of ownership in the credit union. Required for membership. Opening balance of $25 required to keep account open. Early closure fee if closed within 90 days of opening $10.00. Dividends paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upRate is for all regular share accounts. Dividends calculated daily, paid quarterly. Fees could reduce earnings.$25 and up | 0.05% | $5 | Rate is for all regular share accounts. Dividends calculated daily, paid quarterly. Fees could reduce earnings. |
Special-purpose accounts
Christmas Club
0.05%APY
Program begins November 1 each year and earns an annual dividend. Deposits can be made by check, cash, or payroll deduction. You can add to the account any time during the year, but once withdrawal is taken, the account closes for that year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends calculated daily, paid quarterly. Fees could reduce earnings.Any balance | 0.05% | $5 | Dividends calculated daily, paid quarterly. Fees could reduce earnings. |
Sources (3)
- mountainwestfcu.com/bank_account/christmas
- mountainwestfcu.com/rates
- mountainwestfcu.com/bank_account/share
All captured Oct 22, 2026
Health Savings
0.05%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends calculated daily, paid quarterly. Fees could reduce earnings.Any balance | 0.05% | $5 | Dividends calculated daily, paid quarterly. Fees could reduce earnings. |
Little Miner Savings
0.03%APY
Available for children under the age of 12 (or 16 and under per rate schedule).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable to kids 16 and under. Dividends calculated daily, paid quarterly. Fees could reduce earnings.Any balance | 0.03% | $3 | Available to kids 16 and under. Dividends calculated daily, paid quarterly. Fees could reduce earnings. |
Sources (3)
- mountainwestfcu.com/rates
- mountainwestfcu.com/bank_account/little-miner
- mountainwestfcu.com/bank_account/share
All captured Oct 22, 2026
Who can join Mountain West Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone can join from Butte Silver Bow, Deer Lodge, Granite, Missoula, Lake, Sanders, and Lincoln counties under a Rural Community Charter.
Cost to join
- A $25.00 minimum deposit applies to keep the account open.
Membership information collected October 4, 2026.