Compare Bank & Credit Union Rates
Best CD rates in Billings, MT
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Billings, MT
- 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 - 4.33%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 - 4.24%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 - 4.18%APY$489 over 14 months on $10,000
Requirements
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 - 4.05%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 - 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 - Billings Federal Credit UnionShare Certificates – RegularCD · 18 months · $2,500 min · 3.55%–3.90% by balance
Credit union · 4 branches
3.75%APY$568 over 18 months on $10,000Requirements
Product: $25.00 Share Savings deposit required. Dividends compound monthly. Early withdrawal penalty applies. Secure Checking account holders receive a 0.10% rate premium on share certificates with terms of one year or more.
Offer: Compounded monthly. Early withdrawal penalty applies. $25 Share Savings deposit required. Secure Checking account holders receive a 0.10% rate premium.
Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificates – Regular Balance APY $2,500 and up 3.55% $10,000 and upYour amount 3.75% $50,000 and up 3.80% $100,000 and up 3.90% 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 - 3.60%APY$178 over 6 months on $10,000
Requirements
Product: Early Withdraw Penalty: 180 Dividend Days. Dividends calculated daily, paid monthly. Rates accurate as of November 2014. Membership requires $25 deposit into Share Savings Account.
Offer: Early Withdraw Penalty: 180 Dividend Days
3.57% interest rate
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 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 Billings, MT
194 CDs at 12 banks and credit unions · checked Oct 6–22
- Typical
- 2.00%
- Top 10% from
- 4.13%
- Banks, typical
- 0.05%
- Credit unions, typical
- 3.82%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Billings, MT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Altana Federal Credit UnionCredit union · 7 branches
- Billings Federal Credit UnionCredit union · 4 branches
- Mountain America Credit UnionCredit union · 1 branch