Credit union · NCUA insured
Southwest Montana Community Federal Credit Union Savings Rates
Southwest Montana Community Federal Credit Union’s best savings rate is 0.80% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Southwest Montana Community Federal Credit Union’s savings 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
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
Free Kasasa Saver
Top rate
Mile High FCU
3.50%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $350
2nd-highest rate
Horizon Credit Union
3.03%APY
- Requires
- Monthly account activity
- Minimum
- $5
- Earns on $10,000 a year
- $303
Southwest Montana Community Federal Credit Union savings score
86
Savings score
Higher than 75% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0000.80%
- $100,000 balance$100,0001.50%
- QualifiedQualified3.00%
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 Southwest Montana Community 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.
Money Market Account
0.80%APY
Dividends paid monthly based on average daily balance. $2 monthly maintenance fee waived with a minimum balance of $1,000. Up to 5 direct check writing and EFTs per month, $5 per transaction thereafter.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999Avoid the $2 monthly maintenance fee with a minimum balance of $1,000. | 0.50% | — | Avoid the $2 monthly maintenance fee with a minimum balance of $1,000. |
| $5,000 – $24,999Avoid the $2 monthly maintenance fee with a minimum balance of $1,000. | 0.80% | $80 | Avoid the $2 monthly maintenance fee with a minimum balance of $1,000. |
| $25,000 – $49,999Avoid the $2 monthly maintenance fee with a minimum balance of $1,000. | 1.05% | — | Avoid the $2 monthly maintenance fee with a minimum balance of $1,000. |
| $50,000 – $99,999Avoid the $2 monthly maintenance fee with a minimum balance of $1,000. | 1.50% | — | Avoid the $2 monthly maintenance fee with a minimum balance of $1,000. |
| $100,000 and upAvoid the $2 monthly maintenance fee with a minimum balance of $1,000. | 1.50% | — | Avoid the $2 monthly maintenance fee with a minimum balance of $1,000. |
Sources (2)
All captured Oct 4, 2026
Share Savings Account
0.10%APY
Account represents share of ownership in credit union. Maintain a $25 minimum balance to keep account open. $25 minimum deposit to open. Dividends paid quarterly based on average daily balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMaintain a $25 minimum balance to keep account open. $25 minimum deposit to open. 5 free debits per month; $1 fee for withdrawals in excess thereafter.$25 and up | 0.10% | $10 | Maintain a $25 minimum balance to keep account open. $25 minimum deposit to open. 5 free debits per month; $1 fee for withdrawals in excess thereafter. |
Sources (3)
- swmcfcu.org/accounts/personal-…gs/share-savings-account
- swmcfcu.org/services/rates
- swmcfcu.org/accounts/compare-savings-accounts
All captured Oct 4, 2026
Free Kasasa Saver
0.00%APY on $10,000
Links to free Kasasa Cash or Kasasa Cash Back checking with automatic transfers of earnings. Limit 1 account per social security number. Must receive monthly electronic statements. Enrollment in electronic services may be required. No monthly maintenance fees.
| Part of the balance | Rate on that part |
|---|---|
| $20,000 and up | 0.20% |
On $10,000 the tiers blend to about 0.00% APY, earning $0 a year.
Sources (3)
- swmcfcu.org/accounts/personal-savings/free-kasasa-saver
- swmcfcu.org/services/rates
- swmcfcu.org/accounts/compare-savings-accounts
All captured Oct 4, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
0.50%APY
Traditional and Roth IRA options available. $100 minimum deposit to open. No setup fees. No monthly maintenance fees. $25 annual maintenance fee. Annual contribution limits apply.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceTraditional and Roth IRA options. No setup fees. No monthly maintenance fees. $25 annual maintenance fee. $100 minimum deposit to open.Any balance | 0.50% | $50 | Traditional and Roth IRA options. No setup fees. No monthly maintenance fees. $25 annual maintenance fee. $100 minimum deposit to open. |
Sources (3)
- swmcfcu.org/accounts/personal-…dual-retirement-accounts
- swmcfcu.org/services/rates
- swmcfcu.org/accounts/compare-savings-accounts
All captured Oct 4, 2026
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.