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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
Credit unions only

Top CD rates

Showing 1–15 of 49 results in Montana

  1. Horizon Credit Union15 Month CertificateCD · 15 months · 4.44%–4.70% by balance

    Credit union · 6 branches

    4.70%APY$591 over 15 months on $10,000with conditions
  2. Top Carrot, Carrot Score 89
    Mountain America Credit UnionGrowth CertificateCD · 24 months · $5 min

    Credit union · 2 branches

    4.50%APY$920 over 24 months on $10,000
  3. Top Carrot, Carrot Score 89
    Mountain America Credit UnionStandard CertificateCD · 24 months · $500 min

    Credit union · 2 branches

    4.50%APY$920 over 24 months on $10,000
  4. Horizon Credit Union12 Month CertificateCD · 12 months · $1,000 min

    Credit union · 6 branches

    4.38%APY$438 over 1 year on $10,000
  5. Top Carrot, Carrot Score 87
    Lincoln County Credit UnionShare CertificatesCD · 12 months · $1,000 min

    Credit union · 2 branches

    4.34%APY$434 over 1 year on $10,000
  6. Valley Credit UnionTerm Share CertificateCD · 12 months · $500 min

    Credit union · 10 branches

    4.33%APY$433 over 1 year on $10,000intro rate
  7. Montana Educators' Credit UnionShare CertificatesCD · 12 months · $1,000 min

    Credit union · 1 branch

    4.25%APY$425 over 1 year on $10,000
  8. Park Side Credit UnionShare CertificateCD · 12 months · $500 min

    Credit union · 8 branches

    4.25%APY$425 over 1 year on $10,000
  9. Top Carrot, Carrot Score 89
    Mountain America Credit UnionBump CertificateCD · 24 months · $500 min

    Credit union · 2 branches

    4.24%APY$866 over 24 months on $10,000
  10. Top Carrot, Carrot Score 95
    Altana Federal Credit UnionCertificate of DepositCD · 14 months · $500 min

    Credit union · 11 branches

    4.18%APY$489 over 14 months on $10,000
  11. Daniels-Sheridan Federal Credit UnionShare CertificatesCD · 12 months · $500 min

    Credit union · 2 branches

    4.08%APY$408 over 1 year on $10,000
  12. Wolf Point Federal Credit UnionShare CertificateCD · 12 months · $500 min

    Credit union · 1 branch

    4.06%APY$406 over 1 year on $10,000intro rate
  13. 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 rate
  14. Sky Federal Credit UnionTerm CertificatesCD · 13 months · $500 min

    Credit union · 6 branches

    4.00%APY$434 over 13 months on $10,000
  15. Rocky Mountain Credit UnionTerm CertificateCD · 15 months · $1,000 min

    Credit union · 6 branches

    4.00%APY$502 over 15 months on $10,000

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

228 CDs at 32 banks and credit unions · checked Oct 22–29

Typical
3.60%
Top 10% from
4.15%
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

  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