Rocky Mountain Credit Union Savings & Money Market Rates

How Rocky Mountain Credit Union’s savings 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
1.11%APY
Requires
None
Minimum
—
Earns on $10,000 a year
$111
Premier Money Market
Top rate
Horizon Credit Union
3.03%APY
Requires
Monthly account activity
Minimum
$5
Earns on $10,000 a year
$303
Horizon Credit Union rates
2nd-highest rate
Sky Federal Credit Union
3.00%APY
Requires
Monthly account activity
Minimum
$0
Earns on $10,000 a year
$300
Sky Federal Credit Union rates

Compare savings rates near you →

Savings score

Higher than 54% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.05%
$10,000 balance$10,0000.70%
$100,000 balance$100,0001.41%
QualifiedQualified0.70%

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.

How the score works →

Where Rocky Mountain 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.

Premier Money Market

1.11%APY

Must purchase and maintain 1 share ($20.00 par value) in Share Savings. A $25 monthly service fee applies if balance falls below $50,000.00 average daily balance. Minimum average daily balance of $0.01 required to earn stated APY. Dividends compounded and credited monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $50,000Once tier balance range is met, rate applies to the full balance. $25 monthly fee applies if average daily balance falls below $50,000.00.	1.11%	$111	Once tier balance range is met, rate applies to the full balance. $25 monthly fee applies if average daily balance falls below $50,000.00.
$50,000 – $75,000Once tier balance range is met, rate applies to the full balance. Fee waived with minimum $50,000.00 average daily balance.	1.21%	—	Once tier balance range is met, rate applies to the full balance. Fee waived with minimum $50,000.00 average daily balance.
$75,000 – $100,000Once tier balance range is met, rate applies to the full balance. Fee waived with minimum $50,000.00 average daily balance.	1.31%	—	Once tier balance range is met, rate applies to the full balance. Fee waived with minimum $50,000.00 average daily balance.
$100,000 and upOnce tier balance range is met, rate applies to the full balance. Fee waived with minimum $50,000.00 average daily balance.	1.41%	—	Once tier balance range is met, rate applies to the full balance. Fee waived with minimum $50,000.00 average daily balance.

Sources (3)

All captured Oct 22, 2026

Standard Money Market

0.70%APY

Must purchase and maintain 1 share ($20.00 par value) in Share Savings. A $10 monthly service fee applies if balance falls below $2,500.00 average daily balance. Minimum average daily balance of $0.01 required to earn stated APY. Dividends compounded and credited monthly.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $2,500Once tier balance range is met, rate applies to the full balance. $10 monthly fee applies if average daily balance falls below $2,500.00.	0.40%	—	Once tier balance range is met, rate applies to the full balance. $10 monthly fee applies if average daily balance falls below $2,500.00.
$2,500 – $10,000Once tier balance range is met, rate applies to the full balance. Fee waived with minimum $2,500.00 average daily balance.	0.50%	—	Once tier balance range is met, rate applies to the full balance. Fee waived with minimum $2,500.00 average daily balance.
$10,000 – $20,000Once tier balance range is met, rate applies to the full balance. Fee waived with minimum $2,500.00 average daily balance.	0.70%	$70	Once tier balance range is met, rate applies to the full balance. Fee waived with minimum $2,500.00 average daily balance.
$20,000 and upOnce tier balance range is met, rate applies to the full balance. Fee waived with minimum $2,500.00 average daily balance.	0.90%	—	Once tier balance range is met, rate applies to the full balance. Fee waived with minimum $2,500.00 average daily balance.

Sources (3)

All captured Oct 22, 2026

Optional Share

Up to 0.15%APY

Share savings account. Covered under Membership Savings & Other Savings tiers. Minimum average daily balance to earn stated APY is $0.01. Dividends compounded and credited monthly. Rate applies to full balance once tier range is met.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $1,000	0.01%	—
$1,000 – $5,000	0.05%	—
$25,000 – $75,000	0.15%	—

Sources (2)

All captured Oct 22, 2026

Escrow Savings

0.05%APY

Withdrawals allowed only for purposes of taxes or insurance, in conjunction with RMD real estate loans. Minimum average daily balance to earn stated APY is $0.01. Dividends compounded and credited monthly.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Over $0Withdrawals allowed only for purposes of taxes or insurance, in conjunction with RMD real estate loans.Over $0	0.05%	$5	Withdrawals allowed only for purposes of taxes or insurance, in conjunction with RMD real estate loans.

Sources (2)

All captured Oct 22, 2026

Medical Savings

Up to 0.05%APY

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $1,000	0.01%	—
$1,000 – $5,000	0.05%	—

Sources (2)

All captured Oct 22, 2026

Membership Savings

0.02%APY on $10,000$20 to open

Membership share required with $20 minimum balance. Compounded and credited monthly. Rate applies to full balance once tier range is met.

Part of the balance	Rate on that part
Up to $1,000	0.01%
$1,000 – $5,000	0.05%

On $10,000 the tiers blend to about 0.02% APY, earning $2 a year.

Sources (3)

All captured Oct 22, 2026

Special-purpose accounts

HSA Savings

0.15%APYHSA

Health Savings Account (HSA). No minimum balance or monthly fee stated on product page; $0.01 minimum average daily balance to earn stated APY. Dividends compounded and credited monthly. Rate applies to full balance once tier range is met.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $1,000	0.03%	—
$1,000 – $5,000	0.10%	—
$5,000 – $25,000	0.15%	$15
$25,000 – $75,000	0.25%	—
$75,000 and up	0.50%	—

Sources (3)

All captured Oct 22, 2026

IRA Savings

0.15%APYIRA

Available as Traditional, Roth, SEP, and Coverdell IRA share accounts. No minimum balance or monthly fee stated on product page; $0.01 minimum average daily balance to earn stated APY. Dividends compounded and credited monthly. Rate applies to full balance once tier range is met.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
Up to $1,000	0.03%	—
$1,000 – $5,000	0.10%	—
$5,000 – $25,000	0.15%	$15
$25,000 – $75,000	0.25%	—
$75,000 and up	0.50%	—

Sources (3)

All captured Oct 22, 2026

Christmas Club

0.05%APYClub

Entire balance transferred to another account of yours on or after November 15 and account remains open. Early withdrawal fee applies if withdrawn early, unless within 7 days of opening. Covered under Membership Savings & Other Savings tiers. Minimum average daily balance to earn stated APY is $0.01. Dividends compounded and credited monthly. Rate applies to full balance once tier range is met.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns
$1,000 – $5,000	0.05%	—

Sources (2)

All captured Oct 22, 2026

Rocky Super Saver

Up to 0.05%APYKids and teens$20 to open

For kids under age 18. Membership share with $20 opening deposit required. Compounded and credited monthly. Rate applies to full balance once tier range is met.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $1,000Under age 18. Membership share with $20 opening deposit required.	0.01%	—	Under age 18. Membership share with $20 opening deposit required.
$1,000 – $5,000Under age 18. Membership share with $20 opening deposit required.	0.05%	—	Under age 18. Membership share with $20 opening deposit required.

Sources (3)

All captured Oct 22, 2026

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.

Check membership requirements ↗Branches and institution details

← Rocky Mountain Credit Union overview

How Rocky Mountain Credit Union’s savings rates compare

Rocky Mountain Credit Union savings score

Current savings rates

Premier Money Market

Standard Money Market

Optional Share

Escrow Savings

Medical Savings

Membership Savings

Special-purpose accounts

HSA Savings

IRA Savings

Christmas Club

Rocky Super Saver

Who can join Rocky Mountain Credit Union

Where you live or work

Employers and groups

Military, government and schools

Family and household

Cost to join