Credit union · NCUA insured
Whitefish Credit Union Savings Rates
Whitefish Credit Union’s best savings rate is 1.10% APY on $10,000, with its Savings Account. Rates checked October 22, 2026.
How Whitefish Credit Union’s savings rates compare
Compared with banks and credit unions near Kalispell, MT, where Whitefish Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Whitefish Credit Union
1.10%APY
- Requires
- None
- Minimum
- $5
- Earns on $10,000 a year
- $110
Savings Account
Top rate
Three Rivers Bank of Montana
2.82%APY
- Requires
- Monthly account activity
- Minimum
- $100
- Earns on $10,000 a year
- $282
2nd-highest rate
Park Side Credit Union
2.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $200
Whitefish Credit Union savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0001.10%
- $10,000 balance$10,0001.10%
- $100,000 balance$100,0001.10%
- QualifiedQualified1.10%
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 Whitefish 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.
Savings Account
1.10%APY
Must join Whitefish Credit Union by opening with a minimum $5 deposit to obtain an ownership share. Membership is available to persons, trusts, organizations, partnerships, and corporations living, working, operating, owning property, worshipping, participating in an association, or going to school within 50 air miles of Whitefish MT or specified Montana counties, plus immediate family.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust maintain an average daily balance of $5 to earn dividends. Dividends declared and paid twice a year on June 30 and December 31 based on daily average account balance for the previous six months.$5 and up | 1.10% | $110 | Must maintain an average daily balance of $5 to earn dividends. Dividends declared and paid twice a year on June 30 and December 31 based on daily average account balance for the previous six months. |
Sources (2)
All captured Sep 16, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
1.38%APY
Offered as Traditional IRA or Roth IRA wrappers for long-term retirement savings.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMust maintain a minimum daily balance of $5 to earn dividends. Rate quoted as of the December 31, 2025 dividend declaration.$5 and up | 1.38% | $138 | Must maintain a minimum daily balance of $5 to earn dividends. Rate quoted as of the December 31, 2025 dividend declaration. |
Sources (2)
All captured Sep 16, 2026
Who can join Whitefish Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.