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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 1–15 results in Montana

  1. Horizon Credit Union12 Month CertificateCD · 12 months · $1,000 min

    Credit union · 6 branches

    4.38%APY$438 over 1 year on $10,000
  2. 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
  3. Valley Credit UnionTerm Share CertificateCD · 12 months · $500 min

    Credit union · 10 branches

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

    Credit union · 1 branch

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

    Credit union · 8 branches

    4.25%APY$425 over 1 year on $10,000
  6. Top Carrot, Carrot Score 87
    Daniels-Sheridan Federal Credit UnionShare CertificatesCD · 12 months · $500 min

    Credit union · 2 branches

    4.08%APY$408 over 1 year on $10,000
  7. 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
  8. Top Carrot, Carrot Score 89
    Mountain America Credit UnionStandard CertificateCD · 12 months · $500 min

    Credit union · 2 branches

    4.05%APY$405 over 1 year on $10,000
  9. Top Carrot, Carrot Score 89
    Mountain America Credit UnionGrowth CertificateCD · 12 months · $5 min

    Credit union · 2 branches

    4.05%APY$405 over 1 year on $10,000
  10. The Bank of CommerceCertificates of DepositCD · 12 months · $500 min

    Bank · 1 branch

    4.00%APY$400 over 1 year on $10,000
  11. Top Carrot, Carrot Score 87
    Russell Country Federal Credit UnionShare CertificateCD · 12 months · $500 min

    Credit union · 2 branches

    3.90%APY$390 over 1 year on $10,000
  12. Valley Credit UnionTerm Share CertificateCD · 12 months · $500 min

    Credit union · 10 branches

    3.82%APY$382 over 1 year on $10,000intro rate
  13. Community 1st Credit UnionShare CertificateCD · 12 months · $500 min

    Credit union · 2 branches

    3.82%APY$381 over 1 year on $10,000intro rate
  14. First Security Bank of Deer LodgeCertificate of DepositCD · 12 months · $1,000 min

    Bank · 1 branch

    3.80%APY$380 over 1 year on $10,000
  15. Top Carrot, Carrot Score 89
    Mountain America Credit UnionBump CertificateCD · 12 months · $500 min

    Credit union · 2 branches

    3.79%APY$379 over 1 year 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 1-year CDs pay in Montana

58 CDs at 46 banks and credit unions · checked Oct 16–22

Typical
3.50%
Top 10% from
4.07%
Banks, typical
1.76%
Credit unions, typical
3.64%

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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