Credit union · NCUA insured
Ravalli County Federal Credit Union Savings Rates
Top CarrotRavalli County Federal Credit Union’s best savings rate is 0.65% APY on $10,000, with its Money Market. Rates checked October 22, 2026.
How Ravalli County Federal Credit Union’s savings rates compare
Compared with banks and credit unions in Montana, where Ravalli County Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ravalli County Federal Credit Union
0.65%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $65
Money Market
Top rate
Daniels-Sheridan Federal Credit Union
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $400
2nd-highest rate
Mile High FCU
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $350
Ravalli County Federal Credit Union savings score
81
Savings score
Higher than 57% of U.S. banks and credit unions
- $1,000 balance$1,0000.65%
- $10,000 balance$10,0000.65%
- $100,000 balance$100,0000.65%
- QualifiedQualified0.65%
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 Ravalli County 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.
Money Market
0.65%APY
The minimum balance required to open a Money Market Savings Account is $1,000. You must maintain a minimum daily balance of $1,000 in your account to obtain the disclosed annual percentage yield. Dividends will be compounded monthly and credited to your account on the last business day of the month.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upMaintain a minimum daily balance of $1,000 to earn dividends and obtain the disclosed annual percentage yield. Dividends compounded monthly and credited on the last business day of the month.$1,000 and up | 0.65% | $65 | Maintain a minimum daily balance of $1,000 to earn dividends and obtain the disclosed annual percentage yield. Dividends compounded monthly and credited on the last business day of the month. |
Sources (1)
- ravallicountyfcu.org/savings · captured Oct 22, 2026
Medical Savings
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $74 and up | 0.25% | $25 |
Sources (1)
- ravallicountyfcu.org/savings · captured Oct 22, 2026
Primary Shares
0.25%APY
Basic membership account representing ownership in the credit union.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $74 and up | 0.25% | $25 |
Sources (1)
- ravallicountyfcu.org/savings · captured Oct 22, 2026
Sub Shares
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $74 and up | 0.25% | $25 |
Sources (1)
- ravallicountyfcu.org/savings · captured Oct 22, 2026
WINcentive Savings Account (WSA)
0.03%APY
Offers prize drawing entries in return for each time savings balance is increased by $25 (up to 4 entries per month). Drawings occur monthly, quarterly, and annually.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $610 and up | 0.03% | $3 |
Sources (1)
- ravallicountyfcu.org/savings · captured Oct 22, 2026
Special-purpose accounts
IRA Savings
0.50%APY
Includes Traditional IRA, Educational IRA, Roth Conversion, Roth Accumulation, and SEP.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upApplies to Traditional IRA, Educational IRA, Roth Conversion, Roth Accumulation, and SEP wrappers.$100 and up | 0.50% | $50 | Applies to Traditional IRA, Educational IRA, Roth Conversion, Roth Accumulation, and SEP wrappers. |
Sources (1)
- ravallicountyfcu.org/savings · captured Oct 22, 2026
Christmas Club
0.35%APY
Saves from November to October; check mailed at the end of October. Dividends added at maturity.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $53 and upDividends added to account at maturity.$53 and up | 0.35% | $35 | Dividends added to account at maturity. |
Sources (1)
- ravallicountyfcu.org/savings · captured Oct 22, 2026
Health Savings Account
0.25%APY
Must select a high-deductible health plan. Contributions are tax-deductible, earnings accumulate tax-deferred, and distributions are tax-free for qualified medical expenses. Balance rolls over year to year.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $74 and up | 0.25% | $25 |
Sources (1)
- ravallicountyfcu.org/savings · captured Oct 22, 2026
Who can join Ravalli County Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.