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 31–45 results in Montana
- 1.00%APY$100 a year on $10,000
Requirements
Product: $100 minimum balance required to avoid monthly maintenance fees. Fees may reduce earnings on deposit accounts.
Offer: $100 minimum balance required to avoid monthly maintenance fees. Fees may reduce earnings on deposit accounts.
1.00% interest rate · Effective Sep 23, 2026
Rate checked
More details - Rimrock Credit UnionMoney Market Share AccountMoney Market Share Account · $1,000 min
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Dividends compounded monthly based on the average daily balance. Limit of six (6) withdrawals per month. No minimum deposit amount after initial deposit.
Offer: Dividends compounded monthly based on average daily balance. Limit of six (6) withdrawals per month.
1.00% interest rate · Compounded monthly
Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Linked to a Kasasa Cash or Kasasa Cash Back account. Limit 1 account per SSN/ITIN. No recurring monthly maintenance charges or fees to open or close.
Offer: When qualifications are met on linked Kasasa Cash or Kasasa Cash Back account (at least 12 debit card purchases, enrolled in e-Statements, at least 1 direct deposit/ACH Credit/ACH Debit transaction per Monthly Qualification Cycle).
Qualified rate · 0.99% interest rate · Balance cap $25,000 · No monthly fee · Effective Aug 1, 2026
Rate checked
More details - Black Hills Federal Credit UnionPremier High-Yield Money Market AccountPremier High-Yield Money Market Account · $0 min · 0.70%–3.15% by balance
Credit union · 2 branches
0.95%APY$95 a year on $10,000Requirements
Product: Dividends compounded and credited monthly. Calculated by the daily balance method.
Offer: Tiered account which pays the stated dividend rate that corresponds to the applicable deposit tier on the full balance in the account. No minimum daily balance required to earn the stated APY or avoid a fee.
0.70% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Premier High-Yield Money Market Account Balance APY Up to $10,000 0.70% $10,000 – $50,000Your amount 0.95% $50,000 – $100,000 1.15% $100,000 – $250,000 1.65% $250,000 – $500,000 2.20% $500,000 – $750,000 2.45% $750,000 – $1,000,000 2.90% $1,000,000 and up 3.15% Rate checked
More details - Sky Federal Credit UnionRegular Money MarketRegular Money Market · $1,000 min · 0.75%–1.50% by balance
Credit union · 6 branches
0.85%APY$85 a year on $10,000Requirements
Product: Avoid the $10 monthly fee by maintaining minimum balance of $1,000. Up to 3 direct checks per month. Dividends paid monthly based on average daily balance.
0.75% interest rate · $10 monthly fee · Effective Dec 16, 2025
Rate by balance
Rate by balance for Regular Money Market Balance APY $1,000 – $9,999 0.75% $10,000 – $24,999Your amount 0.85% $25,000 – $49,999 1.25% $50,000 – $99,999 1.50% $100,000 and up 1.50% Rate checked
More details - 1st Liberty Federal Credit UnionMoney Market SharesMoney Market Shares · $2,500 min · 0.80%–0.95% by balance
Credit union · 7 branches
0.85%APY$85 a year on $10,0000.80% interest rate · No monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for Money Market Shares Balance APY Up to $2,500 0.80% $2,500 – $10,000 0.82% $10,000 – $50,000Your amount 0.85% $50,000 – $100,000 0.90% $100,000 and up 0.95% Rate checked
More details - Southwest Montana Community Federal Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.50%–1.50% by balance
Credit union · 5 branches
0.80%APY$80 a year on $10,000Requirements
Product: Dividends paid monthly based on average daily balance. $2 monthly maintenance fee waived with a minimum balance of $1,000. Up to 5 direct check writing and EFTs per month, $5 per transaction thereafter.
Offer: Avoid the $2 monthly maintenance fee with a minimum balance of $1,000.
$2 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $4,999 0.50% $5,000 – $24,999Your amount 0.80% $25,000 – $49,999 1.05% $50,000 – $99,999 1.50% $100,000 and up 1.50% Rate checked
More details - Sky Federal Credit UnionSky High Wealth Builder PlusSavings · $2,500 min · 0.80%–0.85% by balance
Credit union · 6 branches
0.80%APY$80 a year on $10,000Requirements
Product: Secondary savings account. 3 free debits per month; $20 fee for non-qualified withdrawals in excess thereafter. Requires total deposit of $100 per month to avoid $5 monthly fee, and minimum average daily balance of $2,500 to avoid $25 monthly maintenance fee.
Offer: Dividends paid monthly based on average daily balance. $25 monthly fee waived by maintaining minimum average daily balance of $2,500; additional $5 fee waived with $100/month deposits.
0.79% interest rate · $25 monthly fee
Rate by balance
Rate by balance for Sky High Wealth Builder Plus Balance APY $2,500 – $20,000Your amount 0.80% $20,000 and up 0.85% Rate checked
More details - Montana Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.70%–1.00% by balance
Credit union · 4 branches
0.80%APY$80 a year on $10,000Requirements
Product: Requires a minimum deposit of $2,500 to open. Up to six withdrawals per month and check writing directly from the account.
0.70% interest rate · No monthly fee · Effective Oct 1, 2024
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.70% $2,500 – $50,000Your amount 0.80% $50,000 – $75,000 0.90% $75,000 and up 1.00% Rate checked
More details - 0.77%APY$77 a year on $10,000
Requirements
Product: All new deposit accounts must be opened in person unless the depositor is an established customer of Pioneer Federal Savings and Loan Association.
Offer: Must maintain a minimum balance of $100.00 to obtain the disclosed APY. Interest is compounded daily and credited quarterly. Interest rate and APY may change on the first day of each quarter.
Compounded daily · Effective Apr 29, 2026
Rate checked
More details - Community 1st Credit UnionTiered Interest Money Market (TIMM) AccountTiered Interest Money Market (TIMM) Account · $1 min · 0.00%–1.26% by balance
Credit union · 2 branches
0.75%APY$75 a year on $10,000Requirements
Product: Dividends are compounded monthly. No fees are associated with the TIMM account.
Offer: Dividends are compounded monthly.
0.00% interest rate · Compounded monthly · No monthly fee
Rate by balance
Rate by balance for Tiered Interest Money Market (TIMM) Account Balance APY Up to $1,000 0.00% $1,000 – $25,000Your amount 0.75% $25,000 – $75,000 1.01% $75,000 and up 1.26% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Must be 18 to participate. Minimum opening deposit $5. Early withdrawal penalties apply. Each time monthly balance increases by at least $25, earn an entry (maximum 4 entries per month) in statewide drawings for cash prizes. All accounts require $25 Membership Share.
Offer: Dividends accrue daily and are paid monthly.
0.75% interest rate · Effective Oct 1, 2026
Rate checked
More details - Rocky Mountain Credit UnionStandard Money MarketStandard Money Market · $0 min · 0.40%–0.90% by balance
Credit union · 6 branches
0.70%APY$70 a year on $10,000Requirements
Product: Must purchase and maintain 1 share ($20.00 par value) in Share Savings. A $10 monthly service fee applies if balance falls below $2,500.00 average daily balance. Minimum average daily balance of $0.01 required to earn stated APY. Dividends compounded and credited monthly.
Offer: Once tier balance range is met, rate applies to the full balance. $10 monthly fee applies if average daily balance falls below $2,500.00.
0.40% interest rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Standard Money Market Balance APY Up to $2,500 0.40% $2,500 – $10,000 0.50% $10,000 – $20,000Your amountFee waived with minimum $2,500.00 average daily balance. 0.70% $20,000 and upFee waived with minimum $2,500.00 average daily balance. 0.90% Rate checked
More details - Intrepid Credit UnionPremium Money MarketPremium Money Market · $2,500 min · 0.45%–1.50% by balance
Credit union · 6 branches
0.65%APY$65 a year on $10,000Requirements
Product: Avoid the $10 monthly maintenance fee by maintaining a $2,500 minimum balance. Minimum withdrawals are $200. 6 free transfers or withdrawals per month (only 3 can be a transfer or check payable to a third party); $5 per transaction in excess thereafter. Dividends compounded daily and paid monthly.
0.45% interest rate · Compounded daily · $10 monthly fee · Effective Aug 1, 2026
Rate by balance
Rate by balance for Premium Money Market Balance APY Up to $10,000 0.45% $10,000 – $20,000Your amount 0.65% $20,000 – $40,000 0.90% $40,000 – $50,000 1.15% $50,000 – $100,000 1.40% $100,000 and up 1.50% Rate checked
More details - 0.65%APY$65 a year on $10,000
Requirements
Product: The minimum balance required to open a Money Market Savings Account is $1,000. You must maintain a minimum daily balance of $1,000 in your account to obtain the disclosed annual percentage yield. Dividends will be compounded monthly and credited to your account on the last business day of the month.
Offer: Maintain a minimum daily balance of $1,000 to earn dividends and obtain the disclosed annual percentage yield. Dividends compounded monthly and credited on the last business day of the month.
0.65% interest rate · Compounded monthly
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%
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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