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 31–45 results in Montana
- 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 - Citizens Alliance BankCertificates of Deposit (CD) - SPECIAL RATESCD · 15 months · $500 min
Bank · 7 branches
3.75%APY$471 over 15 months on $10,000intro ratePromotional rate · Effective Mar 5, 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 - SEG Federal Credit UnionCertificates of DepositCD · 12 months · $500 min · 2.75%–3.65% by balance
Credit union · 1 branch
3.65%APY$365 over 1 year on $10,000Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $500 – $4,999 2.75% $5,000 – $9,999 2.85% $10,000 and upYour amount 3.65% 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
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
Rate checked
More details - St. Pat's Employees FCUTerm Share CertificatesCD · 12 months · $1,000 min · 3.61%–3.87% by balance
Credit union · 1 branch
3.61%APY$361 over 1 year on $10,000Requirements
Product: Fixed-rate certificate. Dividends compounded and credited monthly using the daily balance method. Must maintain minimum daily balance equal to original principal. No additions or partial withdrawals permitted prior to maturity; early withdrawal penalty of 90 days interest applies (may result in loss of principal if within 90 days of opening). Does not automatically renew; funds transfer to regular share account at maturity.
Offer: APY printed as 3.3.61% in source schedule; early withdrawal penalty is 90 days interest.
3.55% interest rate · Effective Feb 4, 2026
Rate by balance
Rate by balance for Term Share Certificates Balance APY $1,000 and upYour amount 3.61%* $100,000 and upEarly withdrawal penalty is 90 days interest. 3.87% 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 - 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 - 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 - 3.55%APY$355 over 1 year on $10,000intro rate
Requirements
Product: Penalty for early withdrawal may apply. Interest can be added to account, credited to checking or savings account, or received by interest check.
Promotional rate · 3.50% interest rate · Effective Feb 26, 2026
Rate checked
More details - 3.55%APY$1,906 over 60 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.
3.50% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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