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Credit union · NCUA insured

Southwest Montana Community Federal Credit Union CD Rates

Southwest Montana Community Federal Credit Union’s best CD rate is 4.06% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.

How Southwest Montana Community Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Butte, MT, where Southwest Montana Community Federal Credit Union has the most branches. $10,000, best rate first.

  • This credit union’s best

    Southwest Montana Community Federal Credit Union

    4.06%APY

    Term
    60 months
    Requires
    None
    Minimum
    $500
    Earns on $10,000
    $2,202

    Share Certificates of Deposit

  • Top rate

    Horizon Credit Union

    4.70%APY

    Term
    15 months
    Requires
    Another account
    Minimum
    —
    Earns on $10,000
    $591

    Horizon Credit Union rates

  • 2nd-highest rate

    Wells Fargo

    4.25%APY

    Term
    11 months
    Requires
    Another account
    Minimum
    $5,000
    Earns on $10,000
    $389

    Wells Fargo rates

Compare CD rates near you →

Southwest Montana Community Federal Credit Union CD score

86

CD score

Higher than 72% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo2.76%
  • 9–15 months9–15 mo4.00%
  • 16–30 months16–30 mo3.54%
  • 31–60 months31–60 mo4.06%
  • QualifiedQualified4.06%

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 Southwest Montana Community 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.

Who can join Southwest Montana Community 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This may be incomplete or out of date, so check with the credit union before you apply.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

  • Individuals who live, work, worship, attend school, or perform volunteer services in Anaconda-Deer Lodge or Butte-Silver Bow Counties, Granite, Powell, Jefferson, Beaverhead, or Madison counties Montana are eligible to join.

Family and household

  • Immediate family of individuals eligible through the community charter in specified Montana counties are eligible to join.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details
← Southwest Montana Community Federal Credit Union overview