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 46–60 results in Montana
- Ravalli County Federal Credit UnionShare CertificateCD · 6 months · $500 min
Credit union · 2 branches
3.53%APY$175 over 6 months on $10,0003.50% interest rate
Rate checked
More details - Northwestern Energy Employees FCUShare CertificatesCD · 12 months · $1,000 min
Credit union · 2 branches
3.53%APY$353 over 1 year on $10,000Requirements
Product: Daily Balance/Semi-Annual Dividend, Posts to Shares. Share Certificate rates may change each Wednesday.
Offer: I1 1-year Certificate; 365-day term; Daily Balance/Semi-Annual Dividend, Posts to Shares
3.50% interest rate · Effective May 1, 2022
Rate checked
More details - Mountain West Federal Credit UnionShare Certificates (CD’s)CD · 6 months · $1,000 min · 3.25%–3.50% by balance
Credit union · 2 branches
3.50%APY$173 over 6 months on $10,000Requirements
Product: Minimum balance to open a certificate account is $1,000. Early withdrawal penalties may be imposed. Federally insured by NCUA up to $250,000.
Rate by balance
Rate by balance for Share Certificates (CD’s) Balance APY Up to $10,000 3.25% $10,000 and upYour amount 3.50% Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Requires $25 in Member Savings account. Photo ID required to open. No maintenance fees. Early withdrawal penalties apply (less than 1 year = 91 days' dividends; 1-3 years = 182 days' dividends; >3 years = 365 days' dividends).
Offer: No minimum balance required to earn stated APY. Early withdrawal penalties apply.
3.45% interest rate · Effective Sep 9, 2026
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
Rate checked
More details - 1st Liberty Federal Credit UnionSpecial CertificatesCD · 9 months · $10,000 min
Credit union · 7 branches
3.45%APY$258 over 9 months on $10,000Requirements
Product: Rates subject to change without notice. The dividend rate and annual percentage yield (APY) are fixed and will be in effect for the term of the certificate. The annual percentage yield is based on the assumption that dividends remain on deposit until maturity. A Penalty may be imposed for withdrawals of principal made before maturity. You have a grace period of 10 calendar days after the maturity date to withdraw the funds without being charged a penalty.
3.40% interest rate · Effective Oct 19, 2026
Rate checked
More details - 3.45%APY$1,453 over 48 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.
3.40% interest rate · Effective Sep 28, 2026
Rate checked
More details - 3.40%APY$84 over 3 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.
3.40% interest rate · Effective Sep 28, 2026
Rate checked
More details - 3.40%APY$84 over 3 months on $10,000
Requirements
Product: All Certificates of Deposit are subject to an early withdrawal penalty.
Offer: 90 Day Time CD. Minimum balance required to earn APY is $100.00. Early withdrawal penalty may be imposed.
3.35% interest rate · Effective Sep 30, 2026
Rate checked
More details - 3.35%APY$335 over 1 year on $10,000intro rate
Requirements
Product: All new deposit accounts must be opened in person unless the depositor is an established customer. Fixed interest rate paid until first maturity. Interest compounded daily and credited every quarter. Daily balance method used. Depositing additional funds before maturity is not allowed. Penalty for early principal withdrawal equals three months interest. Grace period of 7 calendar days after maturity.
Offer: Substantial penalty for early withdrawal. Minimum balance of $100 required to obtain APY.
Promotional rate · Compounded daily · Effective Apr 29, 2026
Rate checked
More details - 3.30%APY$164 over 6 months on $10,000
Requirements
Product: Maximum deposit of $1M per individual. Early withdrawal penalties apply. Fees may reduce earnings on accounts. Membership requirements and fees may apply. Rates subject to change without notice.
3.30% interest rate · Effective Sep 28, 2026
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 - 3.22%APY$160 over 6 months on $10,000intro rate
Requirements
Product: All new deposit accounts must be opened in person unless the depositor is an established customer. Fixed rate paid until first maturity. No compounding of interest; interest paid at maturity. Daily balance method used. Depositing additional funds before maturity is not allowed. 7 calendar days grace period after maturity. Early withdrawal fee equals three months interest on amount withdrawn.
Offer: Interest paid at maturity, substantial penalty for early withdrawal. Minimum balance of $1,000 required to obtain APY.
Promotional rate · Effective Apr 29, 2026
Rate checked
More details - 3.20%APY$185 over 7 months on $10,000intro rate
Requirements
Product: Promotional term; renews at maturity for a 6 month term at the rate in effect for 6 month CDs at the time of renewal. A penalty will be imposed for early withdrawal. Fees may reduce account earnings.
Promotional rate · Balance cap $249,999 · Effective Sep 22, 2026
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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%
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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