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 76–90 results in Montana
- 0.20%APY$20 a year on $10,000
Requirements
Offer: Minimum balance of $200.00 required to obtain disclosed APY. Service fee of $7.50 will be imposed each statement cycle if the average daily balance falls below $200.00.
Effective Apr 29, 2026
Rate checked
More details - Frontier Credit UnionVelocity Money MarketVelocity Money Market · $0 min · 0.20%–2.02% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Offer: Tier 1: Daily balance in tier 1 ($0.00 up to $49,999.99) earns 0.20% interest rate and 0.20% APY. Interest compounded and credited monthly. Fixed rate. Minimum balance to earn APY is $0.00.
0.20% interest rate · No monthly fee · Effective Sep 30, 2024
Rate by balance
Rate by balance for Velocity Money Market Balance APY Up to $50,000Your amount 0.20% $50,000 – $75,000 0.50% $75,000 – $100,000 1.00% $100,000 – $150,000 1.51% $150,000 and up 2.02% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: No minimum deposit requirement.
0.15% interest rate · No monthly fee · Effective Oct 19, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Must open with a deposit of $25.00 to become a member.
0.15% interest rate · No monthly fee · Effective Oct 19, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000with conditions
Requirements
Product: Must be paired with Kasasa Cash or Kasasa Cash Back account. To qualify for reward rates, complete at least 12 debit card purchases that post and settle, enroll in and receive e-statements, and enroll in and log into online banking during each monthly qualification cycle. Non-qualifying balances earn 0.03% APY. Stated rates are variable and may change after account is opened. Limit 1 account per SSN.
Offer: When qualifications in Kasasa Cash or Kasasa Cash Back are met.
Qualified rate · 0.30% interest rate · No monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $10,000 0.30% $10,000 and upYour amount 0.15%* Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Offer: $5 minimum, $25 to earn dividend
0.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - Southwest Montana Community Federal Credit UnionFree Kasasa SaverSavings · $0 min
Credit union · 5 branches
0.15%APY$15 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: Applies to all balances when qualifications are not met in Kasasa Cash or Kasasa Cash Back during the Monthly Qualification Cycle.
Qualified rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Interest is compounded daily and credited quarterly. Rates may change at any time. A service charge of $4.50 is imposed each quarterly statement cycle if the average daily balance falls below $100.00.
Offer: Rates may change after account is opened. Interest credited quarterly and compounded daily. $4.50 quarterly statement cycle service charge if average daily balance falls below $100.00.
0.15% interest rate · Compounded daily · Effective Feb 23, 2022
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 - St. Pat's Employees FCUBudget Share AccountsSavings · $100 min · 0.05%–0.40% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Helps handle periodic expenses through direct deposit. 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 Budget 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 - Billings Federal Credit UnionShare SavingsSavings · $25 min · 0.00%–0.10% by balance
Credit union · 4 branches
0.10%APY$10 a year on $10,000Requirements
Product: Opens the door to membership. Single service accounts under $300 may be subject to fees.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Savings Balance APY Up to $24 0.00% Up to $100 0.05% $101 – $1,000 0.05% $1,001 and upYour amount 0.10% 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 - Southwest Montana Community Federal Credit UnionShare Savings AccountSavings · $25 min
Credit union · 5 branches
0.10%APY$10 a year on $10,000Requirements
Product: Account represents share of ownership in credit union. Maintain a $25 minimum balance to keep account open. $25 minimum deposit to open. Dividends paid quarterly based on average daily balance.
Offer: Maintain a $25 minimum balance to keep account open. $25 minimum deposit to open. 5 free debits per month; $1 fee for withdrawals in excess thereafter.
Effective Oct 1, 2026
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