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Compare Bank & Credit Union Rates

Best CD rates and certificates

Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.

Term
Location
Banks only

Top CD rates

Showing 1–15 of 34 results in Montana

  1. Unity BankCD SpecialCD · 5 months · $5,000 min

    Bank · 1 branch

    4.30%APY$177 over 5 months on $10,000intro rate
  2. Top Carrot, Carrot Score 87
    The Bank of CommerceCertificates of DepositCD · 18 months · $500 min

    Bank · 1 branch

    4.30%APY$652 over 18 months on $10,000
  3. Wells FargoTime Account SpecialsCD · 11 months · $5,000 min

    Bank · 21 branches

    4.25%APY$389 over 11 months on $10,000with conditions
  4. Top Carrot, Carrot Score 87
    The Bank of CommerceCD PlusCD · 11 months · $500 min

    Bank · 1 branch

    4.25%APY$389 over 11 months on $10,000
  5. Opportunity Bank of Montana13 Month CD SpecialCD · 13 months · $500 min

    Bank · 29 branches

    4.05%APY$439 over 13 months on $10,000intro rate
  6. First Security Bank of Deer LodgeCertificate of DepositCD · 6 months · $1,000 min

    Bank · 1 branch

    4.04%APY$200 over 6 months on $10,000
  7. Farmers State BankCertificates of DepositCD · 20 months · $1,000 min

    Bank · 10 branches

    3.85%APY$650 over 20 months on $10,000
  8. Pioneer State Bank9-Month Flex CertificateCD · 9 months · $500 min

    Bank · 2 branches

    3.82%APY$285 over 9 months on $10,000
  9. Opportunity Bank of Montana5 Month CD SpecialCD · 5 months · $500 min

    Bank · 29 branches

    3.80%APY$157 over 5 months on $10,000
  10. 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 rate
  11. 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 $10,000
  12. Belt Valley BankCertificates of Deposit (CD's)CD · 12 months · $500 min

    Bank · 1 branch

    3.55%APY$355 over 1 year on $10,000intro rate
  13. U.S. BankCD SpecialCD · 9 months · $1,000 min

    Bank · 17 branches

    3.50%APY$261 over 9 months on $10,000intro rate
  14. Peoples Bank of Deer LodgeCertificates of DepositCD · 3 months · $100 min

    Bank · 1 branch

    3.40%APY$84 over 3 months on $10,000
  15. Pioneer State Bank1 Year Certificate of DepositCD · 12 months · $100 min

    Bank · 2 branches

    3.35%APY$335 over 1 year on $10,000intro rate

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

202 CDs at 19 banks and credit unions · checked Oct 16–29

Typical
1.51%
Top 10% from
3.56%
Banks, typical
1.51%

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Montana

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Altana Federal Credit UnionCredit union · 11 branches
  2. Billings Federal Credit UnionCredit union · 4 branches
  3. Mountain America Credit UnionCredit union · 2 branches
See all ranked institutions

CD rates by state

Best CD Rates of October 2026 | Carrot Rate