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 121–135 results in Montana
- Montana Educators' Credit UnionRegular Shares (Regular Savings)Savings · $5 min
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Establishes membership with the credit union.
Effective Jan 22, 2026
Rate checked
More details - Butte Community Federal Credit UnionBasic Share Savings AccountSavings · $25 min
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Must become a member by depositing a minimum of $25.00 into Basic Share Savings Account. Monthly dividends paid on the average daily balance.
0.05% interest rate · Effective Sep 1, 2020
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Requires linking to a Free Kasasa Cash or Kasasa Cash Back checking account. Limit 1 account per SSN.
Offer: Base rate earned on all balances if monthly qualifications are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Apr 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Secondary savings account. $20 fee per withdrawal. Requires a total deposit of $25 per month to avoid the $5 monthly fee.
Offer: Dividends paid monthly based on average daily balance. $5 monthly fee waived with total deposit of at least $25/month.
0.05% interest rate · $5 monthly fee
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Prize-linked savings account for Montana residents who are members in good standing. Max 2 withdrawals per 12-month period (1st = $10, 2nd = $25, 3rd requires account closure and forfeiture of entries). One penalty-free withdrawal permitted during anniversary month.
Offer: Earns entries into cash drawings (1 entry per $25 month-over-month balance increase).
0.05% interest rate
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Must be 16 years old to open account (or have a co-signer or legal guardian). $5 minimum balance required to maintain membership. 4 free withdrawals per month; $5 per withdrawal in excess thereafter.
Offer: Minimum daily balance of $100.00 required each day to obtain APY. $5.00 opening minimum required per Truth-in-Savings disclosure ($20 minimum deposit to open mentioned in membership join pages).
0.05% interest rate · Effective Aug 1, 2026
Rate checked
More details - 0.05%APY$5 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: Base rate earned on all balances when qualifications are not met on linked Kasasa account.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Aug 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Interest compounded quarterly, credited quarterly. $5 minimum balance maintains membership.
Offer: Fixed rate. Interest compounded and credited quarterly. No minimum balance to earn APY.
0.05% interest rate · Compounded quarterly · No monthly fee · Effective Sep 30, 2024
Rate checked
More details - 0.05%APY$5 a year on $10,000
0.05% interest rate · Effective Sep 30, 2024
Rate checked
More details - Bitterroot Community Federal Credit UnionBasic Share AccountSavings · $25 min
Credit union · 1 branch
0.04%APY$4 a year on $10,000Requirements
Product: Basic membership account representing one share of ownership in the credit union. Required for membership.
Offer: Dividends pay monthly. $25.00 minimum balance required.
Rate checked
More details - Ravalli County Federal Credit UnionWINcentive Savings Account (WSA)Savings · $610 min
Credit union · 2 branches
0.03%APY$3 a year on $10,000Requirements
Product: Offers prize drawing entries in return for each time savings balance is increased by $25 (up to 4 entries per month). Drawings occur monthly, quarterly, and annually.
0.03% interest rate
Rate checked
More details - 0.03%APY$3 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: Rate applied to all balances if monthly qualifications are not met.
Qualified rate · 0.03% interest rate · No monthly fee · Effective Sep 1, 2026
Rate checked
More details - Altana Federal Credit UnionSam Money MarketSam Money Market · 0.03%–2.55% by balance
Credit union · 11 branches
0.03%APY$3 a year on $10,000Requirements
Product: Rates based on Average Daily Balance (ADB). To earn stated APY, minimum balance must be maintained daily. Monthly maintenance fee waived if minimum balance maintained.
Offer: ADB under $25,000
0.03% interest rate · No monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Sam Money Market Balance APY Up to $25,000Your amount 0.03% $25,000 – $50,000ADB $25,000 – $49,999.99 1.85% $50,000 – $75,000ADB $50,000 – $74,999.99 2.10% $75,000 – $100,000ADB $75,000 – $99,999.99 2.35% $100,000 and upADB $100,000+ 2.55% Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: Maintenance charge of $2 assessed if daily balance falls below $100.00 any time during statement cycle. $1.50 service charge per withdrawal over six per month (excluding ATM). Interest compounded and paid quarterly.
Offer: If daily balance falls below $100.00 any time during the statement cycle, maintenance charge of $2 is assessed. $1.50 service charge per withdrawal over six per month, not including ATM withdrawals.
0.03% interest rate
Rate checked
More details - 0.02%APY$2 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Prime Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.02% interest rate · $12 monthly fee · Effective Oct 10, 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