Compare Bank & Credit Union Rates
Best CD rates in Columbia Falls, MT
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–12 results in Flathead County, MT · Showing Flathead County, MT: too few institutions in Columbia Falls, MT
- 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: 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 - 3.90%APY$490 over 15 months on $10,000
Requirements
Product: Whitefish Credit Union membership required. Penalty for early withdrawal/early closure. Fees could reduce earnings on the account.
Offer: Minimum $500 certificate deposit. Penalty for early withdrawal/early closure. Fees could reduce earnings on the account. Offer is subject to change, be revoked, or end at any time. Whitefish Credit Union membership required.
3.83% interest rate · Effective Oct 3, 2026
Rate checked
More details - 3.64%APY$150 over 5 months on $10,000
Requirements
Product: Interest earned can be added back into CD, paid by check, or deposited into another account. Interest is compounded daily (excludes CDs with terms less than 12 months). Automatically renewable. Penalty may apply for early withdrawal. Rates remain in effect until maturity.
Offer: Featured Product Special.
3.60% interest rate · Compounded daily
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More details - Freedom BankCertificates of DepositCD · 12 months · $500 min · 3.30%–3.56% by balance
Bank · 1 branch
3.56%APY$356 over 1 year on $10,000Requirements
Product: A penalty may be imposed for early withdrawal on all CDs.
Offer: Under $10,000.00. Minimum balance to obtain APY is based on daily balance. Fees could reduce earnings.
3.25% interest rate · Effective Dec 11, 2025
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $10,000 3.30% $10,000 and upYour amount$10,000.00 and Up. 3.56% Rate checked
More details - 3.50%APY$1,087 over 36 months 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.
3.45% interest rate
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 2 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
Rate checked
More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - 0.01%APY
Requirements
Product: A penalty for early withdrawal may be charged. Minimum Opening Deposit equals the Minimum Balance to Earn APY.
Offer: Applicable for Certificates of Deposit only and do not apply to IRAs.
0.01% 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 Flathead County, MT
78 CDs at 7 banks and credit unions · checked Oct 6–22
- Typical
- 1.02%
- Top 10% from
- 3.84%
- Banks, typical
- 1.01%
- 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