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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

Top CD rates

Showing 31–45 results in Montana

  1. Valley Credit UnionFlex CertificateCD · 11 months · $500 min

    Credit union · 10 branches

    3.76%APY$344 over 11 months on $10,000
  2. Valley Credit UnionStep-Up CertificateCD · 24 months · $500 min

    Credit union · 10 branches

    3.76%APY$766 over 24 months on $10,000
  3. 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
  4. Top Carrot, Carrot Score 95
    Billings Federal Credit UnionShare Certificates – RegularCD · 18 months · $2,500 min · 3.55%–3.90% by balance

    Credit union · 4 branches

    3.75%APY$568 over 18 months on $10,000
  5. Intrepid Credit UnionShare CertificateCD · 48 months · $1,000 min

    Credit union · 6 branches

    3.70%APY$1,564 over 48 months on $10,000
  6. SEG Federal Credit UnionCertificates of DepositCD · 12 months · $500 min · 2.75%–3.65% by balance

    Credit union · 1 branch

    3.65%APY$365 over 1 year on $10,000
  7. Vocal Credit UnionCertificates of DepositsCD · 36 months

    Credit union · 2 branches

    3.65%APY$1,135 over 36 months on $10,000
  8. Farmers State BankCertificates of DepositCD · 5 months · $1,000 min

    Bank · 10 branches

    3.64%APY$150 over 5 months on $10,000
  9. 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 $10,000
  10. Horizon Credit Union24 Month CertificateCD · 24 months · $1,000 min

    Credit union · 6 branches

    3.61%APY$735 over 24 months on $10,000
  11. Horizon Credit Union36 Month CertificateCD · 36 months · $1,000 min

    Credit union · 6 branches

    3.61%APY$1,123 over 36 months on $10,000
  12. Rimrock Credit UnionShare CertificatesCD · 6 months · $2,000 min

    Credit union · 1 branch

    3.60%APY$178 over 6 months on $10,000
  13. 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
  14. 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
  15. Horizon Credit Union60 Month CertificateCD · 60 months · $1,000 min

    Credit union · 6 branches

    3.55%APY$1,906 over 60 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

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

  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