Credit union · NCUA insured
Russell Country Federal Credit Union CD Rates
Top CarrotRussell Country Federal Credit Union’s best CD rate is 3.90% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Russell Country Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Great Falls, MT, where Russell Country Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Russell Country Federal Credit Union
3.90%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $390
Share Certificate
Top rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $591
2nd-highest rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
Russell Country Federal Credit Union CD score
78
CD score
Higher than 47% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo3.90%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.75%
- QualifiedQualified3.90%
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 Russell Country Federal 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.
Share Certificate
Up to 3.90%APY · 9 terms
Requires $25 Membership Share. Penalty will be imposed for early withdrawal. Automatic renewal within 10 days of maturity. Dividends accrue daily and are paid monthly at end of month.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsPenalty for early withdrawal | 3.40% | $84 |
| 6 monthsPenalty for early withdrawal | 3.65% | $181 |
| 9 monthsPenalty for early withdrawal | 3.75% | $280 |
| 12 monthsPenalty for early withdrawal | 3.90% | $390 |
| 18 monthsPenalty for early withdrawal | 3.00% | $453 |
| 24 monthsPenalty for early withdrawal | 3.00% | $609 |
| 36 monthsPenalty for early withdrawal | 2.75% | $848 |
| 48 monthsPenalty for early withdrawal | 2.50% | $1,038 |
| 60 monthsPenalty for early withdrawal | 2.25% | $1,177 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
My 4-H Certificate
6.25%APY · 1 term
Available to youth and young adults 8–19 years of age actively participating in 4-H. Requires a qualified joint owner for youth 17 and under. Eligible funds for deposit must have been profited from a 4-H related activity. Limited to an annual maximum contribution of $5,000.00 and a cumulative lifetime maximum contribution of $35,000.00 per Social Security Number. Requires $25 Membership Share.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAvailable to youth actively participating in 4-H. Limited to annual maximum contribution of $5,000.00 and cumulative lifetime maximum contribution of $35,000.00 per Social Security Number. Penalty for early withdrawal | 6.25% | $625 |
Sources (2)
All captured Oct 15, 2026
IRA Share Certificate
Up to 3.90%APY · 9 terms
Dividends accrue daily and are paid monthly at the end of each month. Automatically renews at maturity. Early withdrawal penalty applies. Requires $25 Membership Share.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsEarly withdrawal penalty applies | 3.40% | $84 |
| 6 monthsEarly withdrawal penalty applies | 3.65% | $181 |
| 9 monthsEarly withdrawal penalty applies | 3.75% | $280 |
| 12 monthsEarly withdrawal penalty applies | 3.90% | $390 |
| 18 monthsEarly withdrawal penalty applies | 3.00% | $453 |
| 24 monthsEarly withdrawal penalty applies | 3.00% | $609 |
| 36 monthsEarly withdrawal penalty applies | 2.75% | $848 |
| 48 monthsEarly withdrawal penalty applies | 2.50% | $1,038 |
| 60 monthsEarly withdrawal penalty applies | 2.25% | $1,177 |
Sources (3)
- russellcountryfcu.org/savings-accounts
- russellcountryfcu.org/ira-share-certificate
- russellcountryfcu.org/rates/ira-rates
All captured Oct 15, 2026
Youth Certificate
Up to 3.90%APY · 9 terms
Available for youth ages 0–17. Requires $25 Membership Share. Penalty will be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsAvailable for youth ages 0–17. Early withdrawal penalty applies | 3.40% | $84 |
| 6 monthsAvailable for youth ages 0–17. Early withdrawal penalty applies | 3.65% | $181 |
| 9 monthsAvailable for youth ages 0–17. Early withdrawal penalty applies | 3.75% | $280 |
| 12 monthsAvailable for youth ages 0–17. Early withdrawal penalty applies | 3.90% | $390 |
| 18 monthsAvailable for youth ages 0–17. Early withdrawal penalty applies | 3.00% | $453 |
| 24 monthsAvailable for youth ages 0–17. Early withdrawal penalty applies | 3.00% | $609 |
| 36 monthsAvailable for youth ages 0–17. Early withdrawal penalty applies | 2.75% | $848 |
| 48 monthsAvailable for youth ages 0–17. Early withdrawal penalty applies | 2.50% | $1,038 |
| 60 monthsAvailable for youth ages 0–17. Early withdrawal penalty applies | 2.25% | $1,177 |
Sources (2)
All captured Oct 15, 2026
Who can join Russell Country 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
- Membership is open to individuals who live, work, or worship in Cascade, Chouteau, Pondera, Teton, and a portion of Lewis and Clark County.
Cost to join
- A $25 membership share savings deposit establishes member-ownership.
Membership information collected October 4, 2026.