Credit union · NCUA insured
Russell Country Federal Credit Union Savings Rates
Top CarrotRussell Country Federal Credit Union’s best savings rate is 0.75% APY on $10,000, with its WINcentive Savings. Rates checked October 22, 2026.
How Russell Country Federal Credit Union’s savings 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
0.75%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $75
WINcentive Savings
Top rate
Horizon Credit Union
3.03%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $303
2nd-highest rate
Montana Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Russell Country Federal Credit Union savings score
82
Savings score
Higher than 60% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.75%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.75%
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 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.
High Yield Savings
0.55%APY
Requires $5,000 minimum balance. Minimum transaction (deposit or withdrawal) amount is $500. If balance is at or below $4,999.99, rate reverts to the Money Market Rate for that tier; if balance drops below $1,000, rate reverts to Primary Share rate. All accounts require $25 Membership Share.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $25,000Dividends accrue daily and are paid monthly at the end of each month. | 0.55% | $55 | Dividends accrue daily and are paid monthly at the end of each month. |
| $25,000 – $50,000Dividends accrue daily and are paid monthly at the end of each month. | 0.55% | — | Dividends accrue daily and are paid monthly at the end of each month. |
| $50,000 – $75,000Dividends accrue daily and are paid monthly at the end of each month. | 0.60% | — | Dividends accrue daily and are paid monthly at the end of each month. |
| $75,000 – $99,999Dividends accrue daily and are paid monthly at the end of each month. | 0.65% | — | Dividends accrue daily and are paid monthly at the end of each month. |
| $100,000 – $250,000Dividends accrue daily and are paid monthly at the end of each month. | 0.70% | — | Dividends accrue daily and are paid monthly at the end of each month. |
| $250,000 and upTier applies to balances >$250,000.00. Dividends accrue daily and are paid monthly at the end of each month. | 0.95% | — | Tier applies to balances >$250,000.00. Dividends accrue daily and are paid monthly at the end of each month. |
Sources (2)
All captured Oct 4, 2026
WINcentive Savings
0.75%APY
Must be 18 to participate. Minimum opening deposit $5. Early withdrawal penalties apply. Each time monthly balance increases by at least $25, earn an entry (maximum 4 entries per month) in statewide drawings for cash prizes. All accounts require $25 Membership Share.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends accrue daily and are paid monthly.Any balance | 0.75% | $75 | Dividends accrue daily and are paid monthly. |
Sources (2)
All captured Oct 4, 2026
Money Market
0.50%APY
Requires $25 Membership Share. If the balance drops below $1,000, the account will remain open but the rate will revert to the Primary Share rate. Minimum withdrawal amount is $200. No minimum required on subsequent deposits. Dividends accrue daily and are paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upRequires $1000 minimum balance. If the balance drops below $1000, the account will remain open but the rate will revert to the Primary Share rate.$1,000 and up | 0.50% | $50 | Requires $1000 minimum balance. If the balance drops below $1000, the account will remain open but the rate will revert to the Primary Share rate. |
Sources (2)
All captured Oct 4, 2026
Primary Shares
0.01%APY
Regular Share Savings Account gives access to all credit union products and services, member/owner participation and voting at Annual Membership Meeting. Requires $25 Membership Share deposit. No monthly service charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends accrue daily and are paid monthly.Any balance | 0.01% | $1 | Dividends accrue daily and are paid monthly. |
Sources (2)
All captured Oct 4, 2026
Secondary Shares
0.01%APY
Secondary Share Savings account to assist with saving or budgeting. No monthly service charge. All accounts require $25 Membership Share.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceDividends accrue daily and are paid monthly at the end of each month.Any balance | 0.01% | $1 | Dividends accrue daily and are paid monthly at the end of each month. |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA Share Accounts
0.30%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEffective October 1, 2026. Traditional IRA and Roth IRA share accounts.Any balance | 0.30% | $30 | Effective October 1, 2026. Traditional IRA and Roth IRA share accounts. |
Sources (1)
- russellcountryfcu.org/rates/ira-rates · captured Oct 4, 2026
Christmas Club
0.05%APY
No minimum opening balance. Maximum account balance $2,500. Account renews automatically each year. Balance plus dividends are transferred to Regular Share Savings on October 31st each year. Dividends forfeited if funds withdrawn prior to October 31. All accounts require $25 Membership Share.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Dividends accrue monthly and are paid annually.Up to $2,500 | 0.05% | — | Dividends accrue monthly and are paid annually. |
Sources (2)
All captured Oct 4, 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.