Credit union · NCUA insured
Northwestern Energy Employees FCU Savings Rates
Top CarrotNorthwestern Energy Employees FCU’s best savings rate is 0.10% APY on $10,000, with its Regular Share Accounts. Rates checked October 22, 2026.
How Northwestern Energy Employees FCU’s savings rates compare
Compared with banks and credit unions near Butte, MT, where Northwestern Energy Employees FCU has the most branches. $10,000, best rate first.
This credit union’s best
Northwestern Energy Employees FCU
0.10%APY
- Requires
- None
- Minimum
- $25
- Earns on $10,000 a year
- $10
Regular Share Accounts
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
Northwestern Energy Employees FCU savings score
64
Savings score
Higher than 10% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.10%
- QualifiedQualified0.10%
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 Northwestern Energy Employees FCU 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.
Regular Share Accounts
0.10%APY
Basic savings account representing shares of ownership in the credit union. Par value of a share is $5.00. Regulation D limits apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upDividends calculated by daily balance method and paid monthly.$25 and up | 0.10% | $10 | Dividends calculated by daily balance method and paid monthly. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
0.35%APY
Includes Traditional, Roth, Roth Conversion, and Education IRAs. Dividends calculated by daily balance method and paid quarterly. Early withdrawal penalties may apply. Charged a small annual maintenance fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upS6 Regular IRA. Daily balance calculation with quarterly dividend.$25 and up | 0.35% | $35 | S6 Regular IRA. Daily balance calculation with quarterly dividend. |
Sources (2)
All captured Sep 16, 2026
Christmas Club Accounts
0.20%APY
Program begins November 1 each year. Deposits can be made by check, cash, or payroll deduction. Once withdrawal is taken, the account closes for that year.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Daily balance calculation with annual dividend. Maximum deposit amount is $10,000.00.Up to $10,000 | 0.20% | $20 | Daily balance calculation with annual dividend. Maximum deposit amount is $10,000.00. |
Sources (2)
All captured Sep 16, 2026
Special Club Accounts
0.10%APY
Similar to regular share account but does not require a minimum opening deposit.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends calculated by daily balance method and paid monthly.Any balance | 0.10% | $10 | Dividends calculated by daily balance method and paid monthly. |
Sources (2)
All captured Sep 16, 2026
Who can join Northwestern Energy Employees FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of The Archibald Company in Butte, MT are eligible.
- Employees of Athena Energy, LLC in Butte, MT are eligible.
- Employees of the Butte Country Club in Butte, MT are eligible.
- Employees of specified companies working in Colstrip, Montana (Big Sky Coal Company, Colstrip Electric, Inc., Colstrip Medical Center, Fortin Construction, Inc., Rosebud Power Plant, Sagebrush Industries, Inc., Colstrip Ambulance Service, Power Maintenance Resources, Inc.) are eligible.
- Employees of Continental Energy (subsidiary of BBI Power Corporation) who work in Montana are eligible.
- Employees of NorthWestern Energy Employees Federal Credit Union are eligible for membership.
19 more ways to join
Employers and groups
- Employees of EnCana who work in the state of Montana are eligible.
- Employees and members of the International Brotherhood of Electrical Workers, Local Union #44 are eligible.
- Employees of Jefferson Energy Trading (JETCO) L.L.C. working in Butte, Montana are eligible.
- Employees of Lakeview Assisted Living LLC working in Colstrip, MT are eligible.
- Former employees of Montana Power Company and its wholly owned subsidiaries who worked in Montana are eligible.
- Employees of NorthWestern Energy who work in the state of Montana are eligible.
- Employees of NorthWestern Energy who work in South Dakota or Nebraska and are paid from Butte, Montana are eligible.
- Employees of PPL Montana LLC who work in the state of Montana are eligible.
- Employees of Talen Energy Corporation who work in Colstrip, Billings, and Butte, Montana are eligible.
- Employees of Touch America Holdings, Inc. and wholly-owned subsidiaries Entech LLC, Touch America Inc., and Tetragenics Company working in Montana are eligible.
- Employees of Westmoreland Coal Company who work in Montana or at the Jewett Mine in Texas are eligible.
Military, government and schools
- Employees of the City of Colstrip, Colstrip, MT are eligible.
- Employees of the Colstrip Public School District who work in Colstrip, Montana are eligible.
- Employees of the St. Labre Indian School Educational Association who work in or are paid from Ashland, Montana are eligible.
Family and household
- Immediate family members or household members of eligible persons are eligible for membership.
Other ways
- Members of record of Mission Arts Employees Federal Credit Union are eligible.
- Organizations of eligible persons are eligible for membership.
- Persons retired as pensioners or annuitants from the listed qualifying employments are eligible.
- Spouses of persons who died while within the field of membership of this credit union are eligible.
Membership information collected October 4, 2026.