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.
Top CD rates
Showing 16–29 results in Missoula, MT metro
- 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 - 3.55%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 - 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 - 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 - 3.30%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 - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 2 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
Rate checked
More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
Rate checked
More details - 0.01%APY
Requirements
Product: A penalty for early withdrawal may be charged. Minimum Opening Deposit equals the Minimum Balance to Earn APY.
Offer: Applicable for Certificates of Deposit only and do not apply to IRAs.
0.01% 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 Missoula, MT metro
123 CDs at 13 banks and credit unions · checked Oct 6–22
- Typical
- 3.55%
- Top 10% from
- 4.33%
- Banks, typical
- 1.01%
- Credit unions, typical
- 4.00%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Missoula, MT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Mountain America Credit UnionCredit union · 1 branch