Compare Bank & Credit Union Rates
Best CD rates in Helena, MT
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Helena, 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 - 4.05%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
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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
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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 - 3.70%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 - 3.65%APY$1,135 over 36 months on $10,000
Requirements
Product: APY is calculated based upon monthly interest.
Offer: APY is calculated based upon monthly interest.
3.60% interest rate · Effective Oct 1, 2026
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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 - 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
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More details - 3.04%APY$304 over 1 year on $10,000
Requirements
Product: Requires Membership Savings with a minimum $20 balance and $10 automatic deposit/monthly transfer to certificate. Can add to certificate during the term. IRA Certificates not available.
Offer: Must transfer min. $10 each month. IRA Certificates not available.
3.00% interest rate · Effective Oct 1, 2026
Rate checked
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
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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 - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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 Helena, MT
157 CDs at 9 banks and credit unions · checked Oct 6–22
- Typical
- 1.01%
- Top 10% from
- 3.70%
- Banks, typical
- 0.10%
- 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