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 of 41 results in Montana
- 2.82%APY$282 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking account; automatic transfers of Kasasa Cash or Kasasa Cash Back earnings.
Offer: Qualifications met in linked Kasasa Cash or Kasasa Cash Back account during Monthly Qualification Cycle (at least 15 debit card purchases post and settle, agree to receive Estatements). Tier 1 rate applies to daily balance portion up to $100,000.
Qualified rate · 2.78% interest rate · Balance cap $100,000 · No monthly fee · Effective Feb 1, 2025
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 - 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 - 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 - 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 - 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 - 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 - 1.00%APY$100 a year on $10,000
Requirements
Product: $100 minimum balance required to avoid monthly maintenance fees. Fees may reduce earnings on deposit accounts.
Offer: $100 minimum balance required to avoid monthly maintenance fees. Fees may reduce earnings on deposit accounts.
1.00% interest rate · Effective Sep 23, 2026
Rate checked
More details - 0.77%APY$77 a year on $10,000
Requirements
Product: All new deposit accounts must be opened in person unless the depositor is an established customer of Pioneer Federal Savings and Loan Association.
Offer: Must maintain a minimum balance of $100.00 to obtain the disclosed APY. Interest is compounded daily and credited quarterly. Interest rate and APY may change on the first day of each quarter.
Compounded daily · Effective Apr 29, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Maintain $100 balance to waive the monthly fee. Interest paid quarterly.
Offer: Maintain $100 balance to waive monthly fee; $100 minimum to open; interest paid quarterly.
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Maintain $100 balance to waive monthly fee.
Offer: Maintain $100 balance to waive the fee.
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: No monthly fee, no minimum opening deposit, and no minimum balance requirement.
No monthly fee
Rate checked
More details - Farmers State BankPlatinum Money MarketPlatinum Money Market · $25 min · 0.45%–3.45% by balance
Bank · 10 branches
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 - Flanagan State BankMoney Market Investment AccountMoney Market Investment Account · $2,500 min · 0.22%–0.65% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: No monthly service fee with a $1,000 minimum balance. Six transactions per month allowed; additional withdrawals may incur fees or result in account conversion to checking.
Offer: Minimum Balance to Obtain APY is Less than $10,000.00. Interest frequency monthly. Variable rate.
0.22% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Investment Account Balance APY Up to $10,000 0.22% $10,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.50% $50,000 and up 0.65% 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
44 accounts at 15 banks and credit unions · checked Oct 22–29
- Typical
- 0.18%
- Top 10% from
- 1.44%
- Banks, typical
- 0.18%
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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