St. Pat's Employees FCU CD Rates

How St. Pat's Employees FCU’s CD rates compare

Compared with banks and credit unions near Missoula, MT, where St. Pat's Employees FCU has the most branches. $10,000, best rate first.

This credit union’s best
St. Pat's Employees FCU
3.61%APY
Term
12 months
Requires
None
Minimum
—
Earns on $10,000
$361
Term Share Certificates
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
Mountain America Credit Union
4.50%APY
Term
24 months
Requires
None
Minimum
$5
Earns on $10,000
$920
Mountain America Credit Union rates

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CD score

Higher than 39% of U.S. banks and credit unions

By term

3–8 months3–8 mo3.51%
9–15 months9–15 mo3.61%
16–30 months16–30 mo3.61%
QualifiedQualified3.61%

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 St. Pat's Employees FCU 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.

Term Share Certificates

Up to 3.61%APY · 3 terms

Fixed-rate certificate. Dividends compounded and credited monthly using the daily balance method. Must maintain minimum daily balance equal to original principal. No additions or partial withdrawals permitted prior to maturity; early withdrawal penalty of 90 days interest applies (may result in loss of principal if within 90 days of opening). Does not automatically renew; funds transfer to regular share account at maturity.

Earnings on $10,000 over the term.
Term	APY · $1,000 and up	APY · $100,000 and up	APY	Earns on $10,000Earns
6 monthsAPY printed as 3.3.51% in source schedule; early withdrawal penalty is 90 days interest	3.51%	—	3.51%	$174
6 monthsEarly withdrawal penalty is 90 days interest	—	3.76%	—3.76% from $100k	—
12 monthsAPY printed as 3.3.61% in source schedule; early withdrawal penalty is 90 days interest	3.61%	—	3.61%	$361
12 monthsEarly withdrawal penalty is 90 days interest	—	3.87%	—3.87% from $100k	—
24 monthsAPY printed as 3.3.61% in source schedule; early withdrawal penalty is 90 days interest	3.61%	—	3.61%	$735
24 monthsEarly withdrawal penalty is 90 days interest	—	3.87%	—3.87% from $100k	—

Sources (3)

All captured Sep 16, 2026

Who can join St. Pat's Employees FCU

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

Employees of Providence Health & Services/ Clinics in the surrounding Missoula area are eligible for membership.
Employees of Providence Health & Services/ St. Patrick Hospital are eligible for membership.
Employees of Providence Health & Services/ Regional/ Services located in Missoula MT are eligible for membership.
Retired employees of Providence Health & Services/ St. Patrick Hospital are eligible for membership.

Family and household

Family members of eligible members are eligible for membership.

Cost to join

Opening membership requires completing an application and depositing and maintaining a minimum balance of $5 in a regular share savings account.

Membership information collected October 4, 2026.

Check membership requirements ↗Branches and institution details

← St. Pat's Employees FCU overview