Credit union · NCUA insured
St. Pat's Employees FCU Savings Rates
St. Pat's Employees FCU’s best savings rate is 0.10% APY on $10,000, with its Budget Share Accounts. Rates checked October 22, 2026.
How St. Pat's Employees FCU’s savings 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
0.10%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $10
Regular Share Accounts
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 Educators' Credit Union
3.00%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $300
St. Pat's Employees FCU savings score
65
Savings score
Higher than 14% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.10%
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 St. Pat's Employees FCU 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.
Budget Share Accounts
0.10%APY
Helps handle periodic expenses through direct deposit. Dividends are paid based on balance per tier and posted the last day of the month. Balances less than $100 earn no dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $1,500 | 0.05% | — |
| $1,500 – $5,000 | 0.10% | — |
| $5,000 – $25,000 | 0.10% | $10 |
| $25,000 – $50,000 | 0.10% | — |
| $50,000 – $75,000 | 0.40% | — |
| $75,000 and up | 0.40% | — |
Regular Share Accounts
0.10%APY
A $5.00 deposit establishes membership. Dividends are paid based on balance per tier and posted the last day of the month. Balances less than $100 earn no dividends.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $1,500 | 0.05% | — |
| $1,500 – $5,000 | 0.10% | — |
| $5,000 – $25,000 | 0.10% | $10 |
| $25,000 – $50,000 | 0.10% | — |
| $50,000 – $75,000 | 0.40% | — |
| $75,000 and up | 0.40% | — |
Special-purpose accounts
Christmas Club Accounts
0.10%APY
Minimum balance to keep open is $5. Must also maintain $5 in the primary share account. Minimum deduction is $10. Allowed 3 withdrawals per calendar year (Jan 1 – Dec 31); after the third withdrawal, $5 fee per withdrawal. Automatically renews each year unless stopped. Dividends paid based on balance per tier; balances less than $100 earn no dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $1,500Minimum deduction is $10; minimum balance to keep open is $5; must maintain $5 in primary share account. | 0.05% | — | Minimum deduction is $10; minimum balance to keep open is $5; must maintain $5 in primary share account. |
| $1,500 – $5,000Minimum deduction is $10; minimum balance to keep open is $5; must maintain $5 in primary share account. | 0.10% | — | Minimum deduction is $10; minimum balance to keep open is $5; must maintain $5 in primary share account. |
| $5,000 – $25,000Minimum deduction is $10; minimum balance to keep open is $5; must maintain $5 in primary share account. | 0.10% | $10 | Minimum deduction is $10; minimum balance to keep open is $5; must maintain $5 in primary share account. |
| $25,000 – $50,000Minimum deduction is $10; minimum balance to keep open is $5; must maintain $5 in primary share account. | 0.10% | — | Minimum deduction is $10; minimum balance to keep open is $5; must maintain $5 in primary share account. |
| $50,000 – $75,000Minimum deduction is $10; minimum balance to keep open is $5; must maintain $5 in primary share account. | 0.40% | — | Minimum deduction is $10; minimum balance to keep open is $5; must maintain $5 in primary share account. |
| $75,000 and upMinimum deduction is $10; minimum balance to keep open is $5; must maintain $5 in primary share account. | 0.40% | — | Minimum deduction is $10; minimum balance to keep open is $5; must maintain $5 in primary share account. |
Sources (3)
All captured Oct 15, 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.