Credit union · Privately insured
Rocky Mountain Credit Union CD Rates
Rocky Mountain Credit Union’s best CD rate is 4.00% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Rocky Mountain Credit Union’s CD rates compare
Compared with banks and credit unions near Bozeman, MT, where Rocky Mountain Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Rocky Mountain Credit Union
4.00%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $502
Term Certificate
Top rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
2nd-highest rate
Valley Credit Union
4.33%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $433
Rocky Mountain Credit Union CD score
86
CD score
Higher than 72% of U.S. banks and credit unions
- 3–8 months3–8 mo3.51%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.76%
- 31–60 months31–60 mo3.82%
- QualifiedQualified4.00%
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 Rocky Mountain 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.
Term Certificate
Up to 4.00%APY · 9 terms
Requires Membership Savings with a minimum $20 balance. Cannot add to certificate during term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.45% | $85 |
| 6 months | 3.51% | $174 |
| 12 months | 3.66% | $366 |
| 15 months | 4.00% | $502 |
| 18 months | 3.71% | $562 |
| 24 months | 3.76% | $766 |
| 36 months | 3.82% | $1,190 |
| 48 months | 3.82% | $1,618 |
| 60 months | 3.82% | $2,062 |
Vault Certificate
3.04%APY · 1 term
Requires Membership Savings with a minimum $20 balance and $10 automatic deposit/monthly transfer to certificate. Can add to certificate during the term. IRA Certificates not available.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsMust transfer min. $10 each month. IRA Certificates not available | 3.04% | $304 |
Special-purpose accounts
IRA Certificate
Up to 3.82%APY · 6 terms
Requires Membership Savings account with a minimum balance of $20. Minimum balance is required to earn dividends.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.66% | $366 |
| 18 months | 3.71% | $562 |
| 24 months | 3.76% | $766 |
| 36 months | 3.82% | $1,190 |
| 48 months | 3.82% | $1,618 |
| 60 months | 3.82% | $2,062 |
Youth Certificate
3.71%APY · 1 term
Available to members under age 18 only. Requires Membership Savings with a minimum $20 balance. Can add to certificate during the term.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 monthsAvailable to members under age 18 only | 3.71% | $562 |
Who can join Rocky Mountain Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, or worship in specified Montana counties.
Employers and groups
- Eligibility is open to employees of select partner businesses and organizations.
Military, government and schools
- Eligibility is open to alumni of Montana State University.
- Eligibility is open to employees of the State of Montana.
Family and household
- Eligibility is open to relatives of current members.
Cost to join
- A $20.00 share deposit is required to establish membership.
Membership information collected October 4, 2026.