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 16–30 results in Montana
- 4.06%APY$406 over 1 year on $10,000intro rate
Requirements
Offer: Dividends are compounded quarterly.
4.00% interest rate · Compounded quarterly · Effective Oct 23, 2023
Rate checked
More details - Southwest Montana Community Federal Credit UnionShare Certificates of DepositCD · 60 months · $500 min
Credit union · 5 branches
4.06%APY$2,202 over 60 months on $10,000intro rateRequirements
Product: Renews automatically upon maturity after 10-day grace period. 90-day penalty for early withdrawal on all Share Certificates. Dividends are calculated and paid quarterly.
Promotional rate · Effective Oct 1, 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 - 4.04%APY$200 over 6 months on $10,000
Requirements
Product: Early withdrawal penalty of 3 months interest if term is less than 1 year, or 6 months interest if term is greater than 1 year. Fees may reduce earnings on deposit accounts.
Offer: 182 Day (6-Month) term special CD rate. $1,000 minimum balance required to open account. 3-month interest penalty for early withdrawal.
4.00% interest rate · 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 · 9 branches
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 · 9 branches
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 - 4.00%APY$2,167 over 60 months on $10,000
Requirements
Product: All rates are reviewed monthly and can be changed at the board's directive.
Offer: All rates are reviewed monthly and can be changed at the board's directive.
4.00% interest rate · Effective Jul 9, 2026
Rate checked
More details - Russell Country Federal Credit UnionShare CertificateCD · 12 months · $500 min
Credit union · 2 branches
3.90%APY$390 over 1 year on $10,000Requirements
Product: Requires $25 Membership Share. Penalty will be imposed for early withdrawal. Automatic renewal within 10 days of maturity. Dividends accrue daily and are paid monthly at end of month.
Offer: Penalty for early withdrawal.
3.83% interest rate · Effective Oct 1, 2026
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 - 3.82%APY$285 over 9 months on $10,000
Requirements
Product: All new deposit accounts must be opened in person unless the depositor is an established customer. Interest paid quarterly and at maturity. May make unlimited deposits. One withdrawal per calendar month permitted, substantial penalties for additional monthly withdrawals or early closure of CD.
Offer: Interest paid quarterly and at maturity. Unlimited deposits allowed. One withdrawal per calendar month permitted; substantial penalties for additional monthly withdrawals or early closure. Minimum balance of $100.00 to earn interest.
Effective Apr 29, 2026
Rate checked
More details - 3.82%APY$189 over 6 months on $10,000intro rate
Promotional rate · 3.75% interest rate
Rate checked
More details - 3.80%APY$94 over 3 months on $10,000intro rate
Requirements
Product: Fixed rates; higher rates by selecting a longer term. A wide range of terms available (from 6 months to 30 months). No setup or maintenance fees. Early withdrawals subject to penalty. $500 minimum deposit to open (or $1,000 as stated in rate schedule).
Offer: Share Certificate of Deposit Special. Limited time offer. Penalty for early withdrawal.
Promotional rate · 3.75% interest rate · Effective Oct 20, 2025
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
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 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