Compare Bank & Credit Union Rates
Best CD rates in Belgrade, MT
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Gallatin County, MT · Showing Gallatin County, MT: too few institutions in Belgrade, MT
- Horizon Credit Union15 Month CertificateCD · 15 months · 4.44%–4.70% by balance
Credit union · 1 branch
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 - 4.38%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 - 4.33%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 - 4.25%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 - 4.05%APY$439 over 13 months on $10,000intro rate
Requirements
Product: Requires $500 minimum opening deposit. No additional deposits accepted after opening. Institutional funds are not eligible. Automatic renewal at maturity. Early withdrawal penalties may apply.
Offer: Minimum balance of $500 required to obtain APY. No additional deposits accepted after opening. Interest compounded annually and credited annually and at maturity. Institutional funds are not eligible.
Promotional rate · Compounded annually · Effective Sep 23, 2026
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000
Requirements
Product: No setup or service fees. Renews automatically upon maturity after a 10-day grace period. Penalty for early withdrawal (90 days' dividends for terms of 1 year or less; 180 days' dividends for terms greater than 1 year). Dividends compounded and paid monthly.
Offer: 13 Month Special
3.92% interest rate
Rate checked
More details - 4.00%APY$502 over 15 months on $10,000
Requirements
Product: Requires Membership Savings with a minimum $20 balance. Cannot add to certificate during term.
3.93% interest rate
Rate checked
More details - Clearwater Credit UnionCertificates of Deposit (CDs)CD · 24 months · $100 min
Credit union · 1 branch
4.00%APY$816 over 24 months on $10,000Requirements
Product: $100 minimum opening deposit. $100 minimum balance requirement. Dividends paid monthly. Early withdrawal penalties may apply. Fees may reduce earnings.
Offer: Interest accrues daily, dividends paid monthly. Early withdrawal penalties may apply.
3.92% interest rate · Effective Sep 24, 2026
Rate checked
More details - Clearwater Credit UnionEnergy Resilience Certificate of Deposit (CD)CD · 24 months · $100 min
Credit union · 1 branch
4.00%APY$816 over 24 months on $10,000Requirements
Product: CD funds pooled to help Montana homeowners and businesses finance energy resilient solutions. Early withdrawal penalties may apply. Fees may reduce earnings.
Offer: Interest accrues daily, dividends paid monthly. Early withdrawal penalties may apply.
3.92% interest rate · Effective Sep 24, 2026
Rate checked
More details - 3.80%APY$157 over 5 months on $10,000
Requirements
Product: Requires $500 minimum opening deposit. No additional deposits accepted after opening. Institutional funds are not eligible. Automatic renewal at maturity. Early withdrawal penalties may apply.
Offer: Minimum balance of $500 required to obtain APY. No additional deposits accepted after opening. Interest compounded and credited at maturity. Institutional funds are not eligible.
Effective Sep 23, 2026
Rate checked
More details - 3.76%APY$344 over 11 months on $10,000
Requirements
Product: Once opened, additional contributions of at least $500 can be made. Compounding monthly. Early withdrawal penalty applies.
Offer: Compounding monthly. Once a Flex Certificate is opened, additional contributions of at least $500 can be made. Early withdrawal penalty applies.
3.70% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.76%APY$766 over 24 months on $10,000
Requirements
Product: Compounding monthly. Early withdrawal penalty applies.
Offer: Compounding monthly. Early withdrawal penalty applies.
3.70% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.70%APY$1,564 over 48 months on $10,000
Requirements
Product: Dividends calculated daily and compounded/credited quarterly. Fixed rate over term. $1,000 minimum deposit to open. Early withdrawal penalties apply based on maturity term. Automatic renewal at maturity with a 10 calendar day grace period.
Offer: 48 Month - One Bump certificate. Includes an option during the first term to exchange the dividend rate for the bump-up rate then offered.
3.63% interest rate · Effective Aug 1, 2026
Rate checked
More details - 3.61%APY$735 over 24 months 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.
3.55% interest rate · Effective Sep 28, 2026
Rate checked
More details - 3.61%APY$1,123 over 36 months 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.
3.55% interest rate · Effective Sep 28, 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
What CDs pay in Gallatin County, MT
203 CDs at 13 banks and credit unions · checked Oct 6–22
- Typical
- 1.86%
- Top 10% from
- 3.87%
- Banks, typical
- 0.38%
- Credit unions, typical
- 3.75%
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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