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 16–24 results in Billings, MT
- 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
Rate checked
More details - 3.00%APY$74 over 3 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
Rate checked
More details - 3.00%APY$325 over 13 months on $10,000intro rate
Requirements
Product: Promotional term; renews at maturity for a 12 month term at the rate in effect at renewal. Early withdrawal penalty applies. Fees may reduce earnings.
Promotional rate · Balance cap $249,999 · Effective Apr 1, 2026
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 4 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 - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% 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
What CDs pay in Billings, MT
194 CDs at 12 banks and credit unions · checked Oct 6–22
- Typical
- 2.00%
- Top 10% from
- 4.13%
- Banks, typical
- 0.05%
- Credit unions, typical
- 3.82%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Billings, MT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Altana Federal Credit UnionCredit union · 7 branches
- Billings Federal Credit UnionCredit union · 4 branches
- Mountain America Credit UnionCredit union · 1 branch