Compare Bank & Credit Union Rates
Best savings rates in Montana
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Montana
- Daniels-Sheridan Federal Credit UnionKasasa SaverSavings · $25 min · 0.25%–4.00% by balance
Credit union · 2 branches
4.00%APY$400 a year on $10,000with conditionsRequirements
Product: Exclusively available to Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes checking accountholders. Limit 1 account per Social Security Number.
Offer: Qualifying requirements met in linked Kasasa Checking account (at least 12 debit card purchases, at least 1 direct deposit/ACH/bill pay transaction, enrolled in e-statements per monthly qualification cycle). No monthly maintenance fees.
Qualified rate · 3.93% interest rate · No monthly fee · Effective Apr 1, 2026
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $25,000Your amount 4.00% Over $25,000 0.25% Rate checked
More details - 3.50%APY$350 a year on $10,000with conditions
Requirements
Product: Linked Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes account required. Limit 1 account per SSN. Membership restrictions apply.
Offer: When linked Kasasa Cash or Kasasa Cash Back account qualifications are met (at least 12 debit card purchases post and settle, enrolled in and agree to receive e-statements, enrolled in and log into online banking during Monthly Qualification Cycle).
Qualified rate · 3.45% interest rate · No monthly fee · Effective Dec 31, 2024
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $20,000Your amount 3.50% $20,000 and up 0.75%* Rate checked
More details - 3.03%APY$303 a year on $10,000with conditions
Requirements
Product: Must be 18 and over. Tether Savings and Tether Checking are a bundled pair and must be opened and maintained to qualify for the account. Electronic statements are required. No monthly service fees.
Offer: To earn stated APY: must open both Tether savings and Tether checking, agree to receive electronic/online statements, maintain a minimum balance of $50 in Tether Savings, and make monthly electronic transfer/deposit of $50 or more from Tether checking to Tether savings. Stated APY paid on balances up to $15,000.
Qualified rate · Balance cap $15,000 · No monthly fee · Effective Sep 28, 2026
Rate checked
More details - Southwest Montana Community Federal Credit UnionFree Kasasa SaverSavings · $0 min
Credit union · 5 branches
3.00%APY$300 a year on $10,000with conditionsRequirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking with automatic transfers of earnings. Limit 1 account per social security number. Must receive monthly electronic statements. Enrollment in electronic services may be required. No monthly maintenance fees.
Offer: When qualifications in linked Kasasa Cash or Kasasa Cash Back account are met during the Monthly Qualification Cycle (at least 1 direct deposit, ACH payment, or bill pay transaction, and at least 12 debit card purchases).
Qualified rate · 2.96% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Links to Kasasa Cash or Kasasa Cash Back checking account. No monthly maintenance fees. No minimum deposit to open.
Offer: Requires meeting linked Kasasa Cash or Kasasa Cash Back qualifications (at least 12 debit card purchases, enrolled in e-statements, log into online or mobile banking each Monthly Qualification Cycle).
Qualified rate · 2.96% interest rate · Balance cap $100,000 · No monthly fee · Effective Jan 22, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Requires linking to a Free Kasasa Cash or Kasasa Cash Back checking account. Limit 1 account per SSN.
Offer: When qualifications in linked Kasasa Cash or Kasasa Cash Back account are met during the Monthly Qualification Cycle (at least 1 direct deposit, ACH payment, or bill pay transaction; at least 15 debit card purchases; enrolled in and log into online banking).
Qualified rate · 2.96% interest rate · Balance cap $50,000 · No monthly fee · Effective Apr 1, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Requires a Peak Rewards Checking account. To earn the higher rate, during each Monthly Qualification Cycle enrollments must be in place and must have at least 1 bill pay or ACH payment transaction, at least 12 debit card purchases, and be enrolled in and review eStatements. No monthly service fees.
Offer: Applies to balances up to $10,000 when Peak Rewards Checking qualifications are met.
Qualified rate · 2.96% interest rate · No monthly fee
Rate checked
More details - 2.82%APY$282 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking account; automatic transfers of Kasasa Cash or Kasasa Cash Back earnings.
Offer: Qualifications met in linked Kasasa Cash or Kasasa Cash Back account during Monthly Qualification Cycle (at least 15 debit card purchases post and settle, agree to receive Estatements). Tier 1 rate applies to daily balance portion up to $100,000.
Qualified rate · 2.78% interest rate · Balance cap $100,000 · No monthly fee · Effective Feb 1, 2025
Rate checked
More details - 2.50%APY$250 a year on $10,000
Requirements
Product: Maximum opening deposit is $1,000. Requires $20 minimum monthly automatic deposit (maximum monthly deposit is $800). For the first two years, a $25 access fee is assessed for all withdrawals. Requires $25.00 Share Savings deposit.
Offer: Promotional rate applies on balances up to $20,000; balances greater than $20,000 earn regular share savings rate.
Balance cap $20,000 · Effective Oct 1, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Kasasa Cash or Kasasa Cash Back account required to earn dividends.
Offer: Qualifications apply; Kasasa Cash or Kasasa Cash Back account required to earn dividends.
Qualified rate · 1.98% interest rate · Effective May 1, 2024
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $100,000Your amount 2.00% $100,000 and up 0.25% Rate checked
More details - Altana Federal Credit UnionWealth Builder Savings AccountSavings · up to $10,000
Credit union · 11 branches
2.00%APY$200 a year on $10,000Requirements
Product: Mandatory monthly deposits and limited withdrawal access.
1.98% interest rate · Effective Oct 4, 2026
Rate checked
More details - Altana Federal Credit UnionWealth Builder Plus Savings AccountSavings · $2,500 min
Credit union · 11 branches
2.00%APY$200 a year on $10,0001.98% interest rate · Balance cap $19,999 · Effective Oct 4, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000
Requirements
Product: eStatements are required.
Offer: Average Daily Balance (ADB) under $10,000.
1.98% interest rate · Effective Oct 4, 2026
Rate by balance
Rate by balance for Metro Savings Balance APY Up to $10,000Your amount 2.00% $10,001 and up 0.03% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% 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 savings accounts pay in Montana
156 accounts at 51 banks and credit unions · checked Oct 16–22
- Typical
- 0.15%
- Top 10% from
- 1.87%
- Banks, typical
- 0.18%
- Credit unions, typical
- 0.15%
Is your bank paying you enough?
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