Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Great Falls, MT metro
- 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: 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 - 2.00%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 - Clearwater Credit UnionMoney Market SavingsMoney Market Savings · $0 min · 1.00%–3.20% by balance
Credit union · 1 branch
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 - 1st Liberty Federal Credit UnionMoney Market SharesMoney Market Shares · $2,500 min · 0.80%–0.95% by balance
Credit union · 4 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 - 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 - 0.75%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 - Russell Country Federal Credit UnionHigh Yield SavingsSavings · $5,000 min · 0.55%–0.95% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Requires $5,000 minimum balance. Minimum transaction (deposit or withdrawal) amount is $500. If balance is at or below $4,999.99, rate reverts to the Money Market Rate for that tier; if balance drops below $1,000, rate reverts to Primary Share rate. All accounts require $25 Membership Share.
Offer: Dividends accrue daily and are paid monthly at the end of each month.
0.55% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY $5,000 – $25,000Your amount 0.55% $25,000 – $50,000 0.55% $50,000 – $75,000 0.60% $75,000 – $99,999 0.65% $100,000 – $250,000 0.70% $250,000 and up 0.95% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Requires $25 Membership Share. If the balance drops below $1,000, the account will remain open but the rate will revert to the Primary Share rate. Minimum withdrawal amount is $200. No minimum required on subsequent deposits. Dividends accrue daily and are paid monthly.
Offer: Requires $1000 minimum balance. If the balance drops below $1000, the account will remain open but the rate will revert to the Primary Share rate.
0.50% interest rate · Effective Oct 1, 2026
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 - 0.15%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 - 0.10%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 - 0.10%APY$10 a year on $10,000
Requirements
Product: Can open up to 99 different sub-accounts within your account to save for a special purpose separate from Regular Share savings. Shows up separately on periodic statement and dividends earned pay back into the individual sub-account.
Offer: Listed as Alternate Shares on the rate schedule. Dividends earned pay back into the individual sub-account.
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 Great Falls, MT metro
33 accounts at 9 banks and credit unions · checked Oct 16–22
- Typical
- 0.05%
- Top 10% from
- 1.80%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.10%
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Great Falls, MT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Montana Credit UnionCredit union · 4 branches
- 1st Liberty Federal Credit UnionCredit union · 4 branches
- Russell Country Federal Credit UnionCredit union · 1 branch