Compare Bank & Credit Union Rates
Best CD rates in Montana
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Montana
- Horizon Credit Union15 Month CertificateCD · 15 months · 4.44%–4.70% by balance
Credit union · 6 branches
4.70%APY$591 over 15 months on $10,000with conditionsRequirements
Product: APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
Offer: With .25% Bonus with Direct Deposit of $200.00 or more to an active Horizon Checking or Savings account.
Qualified rate · 4.60% interest rate · Effective Sep 28, 2026
Rate by balance
Rate by balance for 15 Month Certificate Balance APY Any balanceYour amount 4.70% $25,000 – $100,000 4.44% $100,000 and up 4.44% Rate checked
More details - 4.50%APY$920 over 24 months on $10,000
Requirements
Product: Requires $5 minimum balance to open and maintain. Funds can be added anytime up to $100,000 cumulative cap across all growth certificates per primary accountholder. Requires automated monthly deposit of at least $10. Converts to standard certificate at maturity if over aggregate limit. Early withdrawal penalty applies.
Offer: Requires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder.
4.41% interest rate · Balance cap $100,000 · Effective Oct 1, 2026
Rate checked
More details - 4.50%APY$920 over 24 months on $10,000
Requirements
Product: Requires $500 to open and maintain. Withdrawals before maturity will result in early withdrawal penalty. Funds cannot be added after initial deposit. No maximum balance limit.
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.38%APY$438 over 1 year on $10,000
Requirements
Product: APY = Annual Percentage Yield. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice. Maximum deposit of $1M per individual.
4.30% interest rate · Effective Sep 28, 2026
Rate checked
More details - 4.34%APY$434 over 1 year on $10,000
Requirements
Product: Rates can change daily. A penalty will be imposed for early withdrawal.
4.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.33%APY$433 over 1 year on $10,000intro rate
Requirements
Product: Compounding monthly. Penalty for early withdrawal. $25 minimum deposit on Regular Savings account required for membership. No setup or maintenance fees.
Offer: International Credit Union Day Certificate Special. Limited time special! Penalty for early withdrawal.
Promotional rate
Rate checked
More details - 4.30%APY$177 over 5 months on $10,000intro rate
Requirements
Product: Open in-branch with a friendly banker. 10 calendar day grace period at maturity. Early withdrawal penalty applies.
Offer: Interest credited at maturity. Account will automatically renew at maturity for a renewal term of 182 days. Early withdrawal fees may apply. Limited-time offer.
Promotional rate · 4.25% interest rate
Rate checked
More details - 4.30%APY$652 over 18 months on $10,000
Requirements
Product: All certificates can be added onto, $200 minimum add on. Penalty for early withdrawal may apply. Fees may reduce earnings.
Offer: 18 month term. All certificates can be added onto, $200 minimum add on.
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
Effective Jan 22, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Dividends accrue daily and are paid monthly, based on dividends declared monthly by the Board of Directors. Early withdrawal penalty: Certificate term 12 months or less – 90-day interest penalty. Certificate term over 1 year – 180-day interest penalty.
4.17% interest rate
Rate checked
More details - 4.24%APY$866 over 24 months on $10,000
Requirements
Product: Requires $500 to open. Includes a one-time rate bump option during certificate term if prevailing rate increases. Rate increase must be initiated by member; applies only to remainder of term and is not retroactive. Funds cannot be added after initial deposit. Early withdrawal penalty applies. Automatically renews as bump certificate for same term if auto-renew selected.
Offer: Includes one-time rate bump option during certificate term.
4.16% interest rate · Effective Jul 9, 2026
Rate checked
More details - Altana Federal Credit UnionCertificate of DepositCD · 14 months · $500 min
Credit union · 11 branches
4.18%APY$489 over 14 months on $10,000Requirements
Product: Earned dividends can be transferred to savings or checking or added to the certificate balance.
Offer: Limited time offer. Early withdrawal penalties apply.
Effective Oct 2, 2026
Rate checked
More details - 4.10%APY$375 over 11 months on $10,000
Requirements
Product: Fixed interest rate. Interest is compounded and paid at maturity. Add-on feature ($200 minimum). Penalty for early withdrawal may apply.
Offer: 11 month term. Add-on feature ($200 minimum add on).
Rate checked
More details - Daniels-Sheridan Federal Credit UnionShare CertificatesCD · 12 months · $500 min
Credit union · 2 branches
4.08%APY$408 over 1 year on $10,000Requirements
Product: Minimum $500 to open and earn dividends. Dividends calculated daily, compounded daily, paid upon maturity (or paid monthly / quarterly statement).
Offer: 1-Year Share Certificate (12 Months). Minimum $500 to open and earn dividends.
4.00% interest rate · Compounded daily · Effective Apr 1, 2026
Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in Montana
436 CDs at 51 banks and credit unions · checked Oct 15–22
- Typical
- 3.00%
- Top 10% from
- 4.00%
- Banks, typical
- 1.56%
- Credit unions, typical
- 3.60%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Montana
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Altana Federal Credit UnionCredit union · 11 branches
- Billings Federal Credit UnionCredit union · 4 branches
- Mountain America Credit UnionCredit union · 2 branches