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 1–15 results in Missoula, MT metro
- Horizon Credit Union15 Month CertificateCD · 15 months · 4.44%–4.70% by balance
Credit union · 2 branches
4.70%APY$591 over 15 months on $10,000with conditionsRequirements
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.
Offer: With .25% Bonus with Direct Deposit of $200.00 or more to an active Horizon Checking or Savings account.
Qualified rate · 4.60% interest rate · Effective Sep 28, 2026
Rate by balance
Rate by balance for 15 Month Certificate Balance APY Any balanceYour amount 4.70% $25,000 – $100,000 4.44% $100,000 and up 4.44% Rate checked
More details - 4.50%APY$920 over 24 months on $10,000
Requirements
Product: Requires $5 minimum balance to open and maintain. Funds can be added anytime up to $100,000 cumulative cap across all growth certificates per primary accountholder. Requires automated monthly deposit of at least $10. Converts to standard certificate at maturity if over aggregate limit. Early withdrawal penalty applies.
Offer: Requires automated monthly deposit of at least $10. Total growth certificates capped at $100,000 per primary accountholder.
4.41% interest rate · Balance cap $100,000 · Effective Oct 1, 2026
Rate checked
More details - 4.50%APY$920 over 24 months on $10,000
Requirements
Product: Requires $500 to open and maintain. Withdrawals before maturity will result in early withdrawal penalty. Funds cannot be added after initial deposit. No maximum balance limit.
4.41% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.38%APY$438 over 1 year 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.
4.30% interest rate · Effective Sep 28, 2026
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Penalty for early withdrawal.
Offer: Penalty for early withdrawal.
Effective Jan 22, 2026
Rate checked
More details - 4.25%APY$425 over 1 year 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.
4.17% interest rate
Rate checked
More details - 4.24%APY$866 over 24 months on $10,000
Requirements
Product: Requires $500 to open. Includes a one-time rate bump option during certificate term if prevailing rate increases. Rate increase must be initiated by member; applies only to remainder of term and is not retroactive. Funds cannot be added after initial deposit. Early withdrawal penalty applies. Automatically renews as bump certificate for same term if auto-renew selected.
Offer: Includes one-time rate bump option during certificate term.
4.16% interest rate · Effective Jul 9, 2026
Rate checked
More details - 4.05%APY$439 over 13 months on $10,000intro rate
Requirements
Product: Requires $500 minimum opening deposit. No additional deposits accepted after opening. Institutional funds are not eligible. Automatic renewal at maturity. Early withdrawal penalties may apply.
Offer: Minimum balance of $500 required to obtain APY. No additional deposits accepted after opening. Interest compounded annually and credited annually and at maturity. Institutional funds are not eligible.
Promotional rate · Compounded annually · Effective Sep 23, 2026
Rate checked
More details - Clearwater Credit UnionCertificates of Deposit (CDs)CD · 24 months · $100 min
Credit union · 5 branches
4.00%APY$816 over 24 months on $10,000Requirements
Product: $100 minimum opening deposit. $100 minimum balance requirement. Dividends paid monthly. Early withdrawal penalties may apply. Fees may reduce earnings.
Offer: Interest accrues daily, dividends paid monthly. Early withdrawal penalties may apply.
3.92% interest rate · Effective Sep 24, 2026
Rate checked
More details - Clearwater Credit UnionEnergy Resilience Certificate of Deposit (CD)CD · 24 months · $100 min
Credit union · 5 branches
4.00%APY$816 over 24 months on $10,000Requirements
Product: CD funds pooled to help Montana homeowners and businesses finance energy resilient solutions. Early withdrawal penalties may apply. Fees may reduce earnings.
Offer: Interest accrues daily, dividends paid monthly. Early withdrawal penalties may apply.
3.92% interest rate · Effective Sep 24, 2026
Rate checked
More details - 3.90%APY$490 over 15 months on $10,000
Requirements
Product: Whitefish Credit Union membership required. Penalty for early withdrawal/early closure. Fees could reduce earnings on the account.
Offer: Minimum $500 certificate deposit. Penalty for early withdrawal/early closure. Fees could reduce earnings on the account. Offer is subject to change, be revoked, or end at any time. Whitefish Credit Union membership required.
3.83% interest rate · Effective Oct 3, 2026
Rate checked
More details - 3.80%APY$157 over 5 months on $10,000
Requirements
Product: Requires $500 minimum opening deposit. No additional deposits accepted after opening. Institutional funds are not eligible. Automatic renewal at maturity. Early withdrawal penalties may apply.
Offer: Minimum balance of $500 required to obtain APY. No additional deposits accepted after opening. Interest compounded and credited at maturity. Institutional funds are not eligible.
Effective Sep 23, 2026
Rate checked
More details - Citizens Alliance BankCertificates of Deposit (CD) - SPECIAL RATESCD · 15 months · $500 min
Bank · 1 branch
3.75%APY$471 over 15 months on $10,000intro ratePromotional rate · Effective Mar 5, 2026
Rate checked
More details - 3.64%APY$150 over 5 months on $10,000
Requirements
Product: Interest earned can be added back into CD, paid by check, or deposited into another account. Interest is compounded daily (excludes CDs with terms less than 12 months). Automatically renewable. Penalty may apply for early withdrawal. Rates remain in effect until maturity.
Offer: Featured Product Special.
3.60% interest rate · Compounded daily
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 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%
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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