Compare Bank & Credit Union Rates
Best savings rates in Whitefish, 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 Flathead County, MT · Showing Flathead County, MT: too few institutions in Whitefish, MT
- 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 - 2.00%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 - 1.01%APY$101 a year on $10,000
Requirements
Product: No maintenance fee when $50.00 minimum balance is maintained; $3.00 quarterly fee if balance falls below $50.00. $1.00 fee per withdrawal over 15 withdrawals per quarter.
Offer: The interest rate and annual percentage yield may change after account opening.
1.00% interest rate · Effective Dec 11, 2025
Rate checked
More details - Park Side Credit UnionMoney Market AccountMoney Market Account · $1,000 min
Credit union · 5 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 - Farmers State BankPlatinum Money MarketPlatinum Money Market · $25 min · 0.45%–3.45% by balance
Bank · 1 branch
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 - 0.10%APY$10 a year on $10,000
Requirements
Product: $5 monthly service charge waived if a $200 minimum daily balance is maintained in the month, or for clients under 24 years of age. $10 fee for excess withdrawals over 6 per month.
0.05% interest rate · $5 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $10,000 0.05% $10,000 – $50,000Your amount 0.10% $50,000 and up 0.25% Rate checked
More details - 0.05%APY$5 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: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 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: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Premier Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Wells Fargo Platinum Savings Balance APY Any balanceYour amount 0.05% $25,000 and upPromotional rate accurate as of 2026-10-07 for new Platinum Savings accounts for customers who do not have an existing Wells Fargo consumer savings account (or ownership in past 30 days). $12 monthly fee avoided with $3,500 minimum daily balance. 3.25% 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 Flathead County, MT
22 accounts at 8 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.50%
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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