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 16–30 results in Montana
- Peoples Bank of Deer LodgeMoney Market SavingsMoney Market Savings · $100 min · 1.97%–2.99% by balance
Bank · 1 branch
1.97%APY$197 a year on $10,000Requirements
Product: Must open with a minimum deposit of $100.00. No service charge if customer maintains a minimum balance of $2,500.00; otherwise, a $6.00 monthly service charge is assessed. Rates are variable and may change after the account is opened.
Offer: Minimum balance required to earn APY is $100.00. Monthly service charge of $6.00 is waived if maintaining a minimum balance of $2,500.00.
1.95% interest rate · $6 monthly fee · Effective Sep 30, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $25,000Your amount 1.97% $25,000 – $75,000 2.07% $75,000 – $100,000 2.12% $100,000 – $150,000 2.63% $150,000 and up 2.99% Rate checked
More details - Valley Credit UnionRewards SavingsSavings · $1 min · 0.05%–1.76% by balance
Credit union · 10 branches
1.76%APY$176 a year on $10,000with conditionsRequirements
Product: Links to free Rewards Checking to auto-transfer rewards. Limit of one Rewards account per member. Requires $25 minimum deposit in membership savings.
Offer: Base rate earned if monthly qualifications are not met in Rewards Checking.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Mar 1, 2024
Rate by balance
Rate by balance for Rewards Savings Balance APY Any balance 0.05% Up to $20,000Your amountRequires qualifying for Rewards Checking rewards each monthly qualification cycle: at least 15 debit card purchases post and settle, at least 1 automatic payment (ACH) or direct deposit post and settle, and enrollment in eStatements. 1.76% $20,000 and up 0.25% Rate checked
More details - 1.51%APY$151 a year on $10,000
Requirements
Product: No service charge if customer maintains a balance of $100.00; otherwise a $2.00 service charge is assessed at statement time. Must open with a minimum of $100.00.
Offer: Minimum balance required to earn the APY is $100.00. Rates are variable and may change after the account is opened. $2.00 service charge waived with a $100.00 balance.
1.50% interest rate · $2 monthly fee
Rate checked
More details - Grasslands Federal Credit UnionMoney Market Savings AccountsMoney Market Savings Accounts · $2,500 min
Credit union · 2 branches
1.41%APY$141 a year on $10,0001.40% interest rate · Effective Aug 1, 2026
Rate checked
More details - Lincoln County Credit UnionMoney Market Share Draft AccountMoney Market Share Draft Account · $0 min · 1.31%–1.41% by balance
Credit union · 2 branches
1.31%APY$131 a year on $10,0001.30% interest rate · Effective Feb 1, 2025
Rate by balance
Rate by balance for Money Market Share Draft Account Balance APY Up to $20,000Your amount 1.31%* $20,000 – $100,000 1.36%* Over $100,000 1.41%* Rate checked
More details - Daniels-Sheridan Federal Credit UnionMoney MarketMoney Market · $500 min · 1.30%–1.50% by balance
Credit union · 2 branches
1.30%APY$130 a year on $10,000Requirements
Product: Rate based on total account balance. Up to six withdrawals per month with a minimum withdrawal limit of $50.
Offer: Rate based on total account balance.
1.30% interest rate · Effective Apr 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $500 – $10,000Your amount 1.30% $10,000 – $15,000 1.40% Over $15,000 1.50% Rate checked
More details - Pioneer State BankMoney Market SavingsMoney Market Savings · $2,500 min · 1.28%–2.57% by balance
Bank · 2 branches
1.28%APY$128 a year on $10,000Requirements
Product: Fees may reduce earnings on accounts. APY refers to Annual Percentage Yield based on simple interest.
Effective Apr 29, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $50,000Your amount 1.28% $50,000 – $200,000 2.05% $200,000 and up 2.57% Rate checked
More details - Daniels-Sheridan Federal Credit UnionPrimary SavingsSavings · $25 min · 1.20%–1.30% by balance
Credit union · 2 branches
1.25%APY$125 a year on $10,000Requirements
Product: Represents one share of ownership establishing membership. Dividends compounded daily, paid monthly.
Offer: Rate based on total account balance. $25 minimum balance required.
1.20% interest rate · Compounded daily · Effective Apr 1, 2026
Rate by balance
Rate by balance for Primary Savings Balance APY Up to $3,000 1.20% $3,000 – $10,000Your amount 1.25% Over $10,000 1.30% Rate checked
More details - Rocky Mountain Credit UnionPremier Money MarketPremier Money Market · $0 min · 1.11%–1.41% by balance
Credit union · 6 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 - 1.10%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 - The Bank of CommerceMoney Market AccountMoney Market Account · $2,500 min · 1.06%–2.12% by balance
Bank · 1 branch
1.06%APY$106 a year on $10,000Requirements
Product: Rates subject to change. Fees may reduce earnings. $2,500 minimum to open. No service charge fee if $2,500 balance is maintained every day of the statement cycle. Rate tier based on daily balance.
Offer: Balance tier: up to $49,999.99.
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $50,000Your amount 1.06% $50,000 and up 2.12% Rate checked
More details - Vocal Credit UnionMoney MarketMoney Market · $0 min · 1.01%–1.51% by balance
Credit union · 2 branches
1.01%APY$101 a year on $10,000Requirements
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 - 1.01%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 - Mountain America Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.50%–3.60% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,0000.50% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.50% $2,500 – $9,999 0.85% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.50% $50,000 – $99,999 2.00% $100,000 – $249,999 2.45% $250,000 – $999,999 3.25% $1,000,000 and up 3.60% Rate checked
More details - Clearwater Credit UnionMoney Market SavingsMoney Market Savings · $0 min · 1.00%–3.20% by balance
Credit union · 9 branches
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
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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