Credit union · NCUA insured
Vocal Credit Union CD Rates
Vocal Credit Union’s best CD rate is 3.65% APY on a 3-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Vocal Credit Union’s CD rates compare
Compared with banks and credit unions near Helena, MT, where Vocal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Vocal Credit Union
3.65%APY
- Term
- 36 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $1,135
Certificates of Deposits
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
Southwest Montana Community Federal Credit Union
4.06%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $2,202
Vocal Credit Union CD score
81
CD score
Higher than 54% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.65%
- QualifiedQualified3.65%
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 Vocal 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.
Certificates of Deposits
Up to 3.65%APY · 6 terms
APY is calculated based upon monthly interest.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsAPY is calculated based upon monthly interest | 3.50% | $173 |
| 12 monthsAPY is calculated based upon monthly interest | 3.55% | $355 |
| 24 monthsAPY is calculated based upon monthly interest | 3.60% | $733 |
| 36 monthsAPY is calculated based upon monthly interest | 3.65% | $1,135 |
| 48 monthsAPY is calculated based upon monthly interest | 3.65% | $1,542 |
| 60 monthsAPY is calculated based upon monthly interest | 3.65% | $1,963 |
Sources (1)
- vocal.coop/savings-account/investment-rates · captured Oct 4, 2026
Who can join Vocal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, worship, work in, or attend school in, and businesses and other legal entities located in Beaverhead, Broadwater, Golden Valley, Jefferson County, Judith Basin, Lewis and Clark, Madison, Meagher, Powell, or Wheatland county, Montana are eligible for membership.
Family and household
- Persons related to someone who meets the geographic eligibility qualifications can join Vocal Credit Union.
Membership information collected October 4, 2026.