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 Helena, MT metro
- Southwest Montana Community Federal Credit UnionFree Kasasa SaverSavings · $0 min
Credit union · 1 branch
3.00%APY$300 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: When qualifications in linked Kasasa Cash or Kasasa Cash Back account are met during the Monthly Qualification Cycle (at least 1 direct deposit, ACH payment, or bill pay transaction, and at least 12 debit card purchases).
Qualified rate · 2.96% interest rate · No monthly fee · Effective Oct 1, 2026
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 - Rocky Mountain Credit UnionPremier Money MarketPremier Money Market · $0 min · 1.11%–1.41% by balance
Credit union · 2 branches
1.11%APY$111 a year on $10,000Requirements
Product: Must purchase and maintain 1 share ($20.00 par value) in Share Savings. A $25 monthly service fee applies if balance falls below $50,000.00 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. $25 monthly fee applies if average daily balance falls below $50,000.00.
1.10% interest rate · $25 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $50,000Your amount 1.11% $50,000 – $75,000 1.21% $75,000 – $100,000Fee waived with minimum $50,000.00 average daily balance. 1.31% $100,000 and upFee waived with minimum $50,000.00 average daily balance. 1.41% Rate checked
More details - 1.01%APY$101 a year on $10,000
Requirements
Product: APY is calculated based upon monthly interest.
1.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $20,000Your amount 1.01% $20,000 and up 1.51% 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 - Southwest Montana Community Federal Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.50%–1.50% by balance
Credit union · 1 branch
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 - Rocky Mountain Credit UnionStandard Money MarketStandard Money Market · $0 min · 0.40%–0.90% by balance
Credit union · 2 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 · 3 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 - 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 - 0.25%APY$25 a year on $10,000
Requirements
Product: Used to pay for eligible medical expenses. Up to $4,600 of contributions per individual is exempted from MT Income Tax.
Offer: Maintenance charge of $1 if $100 minimum balance is not maintained. Minimum daily balance of $1 to obtain APY.
0.25% interest rate · $1 monthly fee · Effective Jul 10, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Offer: Minimum daily balance of $1,000 to obtain APY.
0.25% interest rate · Effective Jul 10, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Account is allowed twelve withdrawals or transfers every statement cycle ($1 fee for each withdrawal over 12), and six limited withdrawals or transfers per cycle. $2 cycle maintenance charge if $50 minimum balance is not maintained.
Offer: $2 cycle maintenance charge if minimum balance is not maintained. Minimum daily balance of $50 to obtain APY.
0.25% interest rate · $2 monthly fee · Effective Jul 10, 2026
Rate checked
More details - Southwest Montana Community Federal Credit UnionFree Kasasa SaverSavings · $0 min
Credit union · 1 branch
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
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 Helena, MT metro
36 accounts at 10 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 1.06%
- Banks, typical
- 0.04%
- Credit unions, typical
- 0.40%
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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