Compare Bank & Credit Union Rates
Best savings rates in Missoula, MT
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Missoula, MT
- 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 - 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 - 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 - 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 - 1.10%APY$110 a year on $10,000
Requirements
Product: Must join Whitefish Credit Union by opening with a minimum $5 deposit to obtain an ownership share. Membership is available to persons, trusts, organizations, partnerships, and corporations living, working, operating, owning property, worshipping, participating in an association, or going to school within 50 air miles of Whitefish MT or specified Montana counties, plus immediate family.
Offer: Must maintain an average daily balance of $5 to earn dividends. Dividends declared and paid twice a year on June 30 and December 31 based on daily average account balance for the previous six months.
1.10% interest rate · No monthly fee · Effective Dec 31, 2025
Rate checked
More details - Mountain America Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.50%–3.60% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,0000.50% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.50% $2,500 – $9,999 0.85% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.50% $50,000 – $99,999 2.00% $100,000 – $249,999 2.45% $250,000 – $999,999 3.25% $1,000,000 and up 3.60% Rate checked
More details - Clearwater Credit UnionMoney Market SavingsMoney Market Savings · $0 min · 1.00%–3.20% by balance
Credit union · 4 branches
1.00%APY$100 a year on $10,000Requirements
Product: $5 monthly account fee if balance falls below $1,500; dividends paid monthly.
Offer: Interest accrues daily, dividends paid monthly; $1,500 minimum monthly balance to avoid $5 monthly fee.
0.99% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $10,000Your amount 1.00% $10,001 – $50,000 1.55% $50,001 – $100,000 2.10% $100,001 – $250,000 2.60% $250,001 and up 3.20% Rate checked
More details - Park Side Credit UnionMoney Market AccountMoney Market Account · $1,000 min
Credit union · 3 branches
0.50%APY$50 a year on $10,000Requirements
Product: Dividends accrue daily and are paid monthly, based on dividends declared monthly by the Board of Directors. Fees and other conditions may reduce earnings on the account.
Offer: Minimum $1,000 required to earn dividends.
0.50% interest rate · Effective Jul 28, 2024
Rate checked
More details - Montana Educators' Credit UnionMoney Market AccountMoney Market Account · $5,000 min · 0.50%–1.25% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Effective Jan 22, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $9,999 0.50% $10,000 – $24,999Your amount 0.50% $25,000 – $49,999 0.75% $50,000 – $99,999 1.00% $100,000 and up 1.25% Rate checked
More details - Farmers State BankPlatinum Money MarketPlatinum Money Market · $25 min · 0.45%–3.45% by balance
Bank · 2 branches
0.45%APY$45 a year on $10,000Requirements
Product: Rates may change at any time. Fees may reduce earnings on the account.
Offer: Rates may change at any time. Fees may reduce earnings on the account.
0.45% interest rate
Rate by balance
Rate by balance for Platinum Money Market Balance APY Up to $100,000Your amount 0.45% $100,000 – $250,000 0.75% $250,000 – $500,000 1.11% $500,000 – $1,500,000 1.46% $1,500,000 and up 3.45% Rate checked
More details - 0.25%APY$25 a year on $10,000
0.25% interest rate · Effective Sep 28, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Membership share savings account.
0.10% interest rate · Effective Jul 28, 2024
Rate checked
More details - 0.10%APY$10 a year on $10,000
0.10% interest rate · Effective Jul 28, 2024
Rate checked
More details - St. Pat's Employees FCURegular Share AccountsSavings · $100 min · 0.05%–0.40% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: A $5.00 deposit establishes membership. Dividends are paid based on balance per tier and posted the last day of the month. Balances less than $100 earn no dividends.
0.05% interest rate
Rate by balance
Rate by balance for Regular Share Accounts Balance APY $100 – $1,500 0.05% $1,500 – $5,000 0.10% $5,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.10% $50,000 – $75,000 0.40% $75,000 and up 0.40% 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 Missoula, MT
34 accounts at 11 banks and credit unions · checked Oct 15–22
- Typical
- 0.08%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.10%
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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