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 61–75 results in Montana
- 3.09%APY$76 over 3 months on $10,000intro rate
Requirements
Product: All new deposit accounts must be opened in person unless the depositor is an established customer. Fixed rate paid until first maturity. Interest compounded daily and credited at maturity. Daily balance method used. No additional deposits allowed before maturity. 7 calendar days grace period after maturity. Early withdrawal penalty equals three months interest on principal withdrawn.
Offer: Substantial penalty for early withdrawal. Minimum balance of $1,000 required to obtain APY.
Promotional rate · Compounded daily · Effective Apr 29, 2026
Rate checked
More details - 3.04%APY$304 over 1 year on $10,000
Requirements
Product: Requires Membership Savings with a minimum $20 balance and $10 automatic deposit/monthly transfer to certificate. Can add to certificate during the term. IRA Certificates not available.
Offer: Must transfer min. $10 each month. IRA Certificates not available.
3.00% interest rate · Effective Oct 1, 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 - 2.87%APY
Requirements
Product: Penalty imposed for early withdrawal. Interest begins accruing on deposit date and compounds daily.
Offer: Requires maintaining a separate account with a qualifying direct deposit (payroll, government, or dividend direct deposits). If no longer receiving direct deposit at renewal, time deposit reverts to current applicable rate without direct deposit special. Penalty imposed for early withdrawal.
2.85% interest rate · Effective Jul 10, 2026
Rate checked
More details - Community 1st Credit Union3 Year “Bump” CertificateCD · 36 months · $500 min
Credit union · 2 branches
2.79%APY$859 over 36 months on $10,0002.75% interest rate
Rate checked
More details - 2.57%APY$388 over 18 months on $10,000intro rate
Requirements
Product: All new deposit accounts must be opened in person unless the depositor is an established customer. Fixed interest rate paid until first maturity. Interest compounded daily and credited every quarter. Daily balance method used. Depositing additional funds before maturity is not allowed. Penalty for early principal withdrawal equals six months interest. Grace period of 7 calendar days after maturity.
Offer: Substantial penalty for early withdrawal. Minimum balance of $100 required to obtain APY.
Promotional rate · Compounded daily · Effective Apr 29, 2026
Rate checked
More details - 2.52%APY$1,325 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty applies. Automatic renewal with 10-day grace period after maturity.
Offer: Interest frequency is 6 months. Early withdrawal penalty is 365 days.
2.50% interest rate · Effective Sep 1, 2026
Rate checked
More details - 1st Liberty Federal Credit UnionRegular CertificatesCD · 60 months · $10,000 min
Credit union · 7 branches
2.32%APY$1,215 over 60 months on $10,000Requirements
Product: Rates subject to change without notice. The dividend rate and annual percentage yield (APY) are fixed and will be in effect for the term of the certificate. The annual percentage yield is based on the assumption that dividends remain on deposit until maturity. A Penalty may be imposed for withdrawals of principal made before maturity. You have a grace period of 10 calendar days after the maturity date to withdraw the funds without being charged a penalty. No monthly service charge. Rate locked for the term of the share certificate. Earns Dividends Monthly.
2.30% interest rate · Effective Oct 19, 2026
Rate checked
More details - 2.27%APY$697 over 36 months on $10,000
Requirements
Offer: Fixed rate. Interest compounded and credited quarterly. Additional deposits not allowed. Early withdrawal penalty: 180 days interest. Automatic renewal with 10-day grace period.
2.25% interest rate · Effective Sep 12, 2025
Rate checked
More details - Sky Federal Credit UnionWealth Builder CD (1 Year)CD · 12 months · $500 min
Credit union · 6 branches
2.25%APY$225 over 1 year on $10,000Requirements
Product: Part of the Wealth Builder Accounts suite.
2.22% interest rate
Rate checked
More details - 2.21%APY$795 over 42 months on $10,000intro rate
Requirements
Product: All new deposit accounts must be opened in person unless the depositor is an established customer. Fixed interest rate paid until first maturity. Interest compounded daily and credited every quarter. Daily balance method used. Depositing additional funds before maturity is not allowed. Penalty for early principal withdrawal equals six months interest. Grace period of 7 calendar days after maturity.
Offer: Substantial penalty for early withdrawal. Minimum balance of $100 required to obtain APY.
Promotional rate · Compounded daily · Effective Apr 29, 2026
Rate checked
More details - 2.05%APY$520 over 30 months on $10,000intro rate
Requirements
Product: All new deposit accounts must be opened in person unless the depositor is an established customer. Fixed interest rate paid until first maturity. Interest compounded daily and credited every quarter. Daily balance method used. Depositing additional funds before maturity is not allowed. Penalty for early principal withdrawal equals six months interest. Grace period of 7 calendar days after maturity.
Offer: Substantial penalty for early withdrawal. Minimum balance of $100 required to obtain APY.
Promotional rate · Compounded daily · Effective Apr 29, 2026
Rate checked
More details - Native American BankCertificate of Deposit (CD)CD · 12 months · $1,000 min · 1.76%–1.86% by balance
Bank · 1 branch
1.76%APY$176 over 1 year on $10,0001.75% interest rate · Effective Sep 18, 2026
Rate by balance
Rate by balance for Certificate of Deposit (CD) Balance APY $1,000 and upYour amount 1.76% $25,000 and up 1.81% $100,000 and up 1.86% Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 21 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
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
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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Find your bank or credit union to see all its rates and how they compare near you.
Montana
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Altana Federal Credit UnionCredit union · 11 branches
- Billings Federal Credit UnionCredit union · 4 branches
- Mountain America Credit UnionCredit union · 2 branches