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 Butte, MT metro
- 3.50%APY$350 a year on $10,000with conditions
Requirements
Product: Linked Kasasa Cash, Kasasa Cash Back, or Kasasa Tunes account required. Limit 1 account per SSN. Membership restrictions apply.
Offer: When linked Kasasa Cash or Kasasa Cash Back account qualifications are met (at least 12 debit card purchases post and settle, enrolled in and agree to receive e-statements, enrolled in and log into online banking during Monthly Qualification Cycle).
Qualified rate · 3.45% interest rate · No monthly fee · Effective Dec 31, 2024
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $20,000Your amount 3.50% $20,000 and up 0.75%* Rate checked
More details - 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 - 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 · 1 branch
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 - 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 - 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 · 1 branch
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 - Frontier Credit UnionVelocity Money MarketVelocity Money Market · $0 min · 0.20%–2.02% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Offer: Tier 1: Daily balance in tier 1 ($0.00 up to $49,999.99) earns 0.20% interest rate and 0.20% APY. Interest compounded and credited monthly. Fixed rate. Minimum balance to earn APY is $0.00.
0.20% interest rate · No monthly fee · Effective Sep 30, 2024
Rate by balance
Rate by balance for Velocity Money Market Balance APY Up to $50,000Your amount 0.20% $50,000 – $75,000 0.50% $75,000 – $100,000 1.00% $100,000 – $150,000 1.51% $150,000 and up 2.02% 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 - Southwest Montana Community Federal Credit UnionShare Savings AccountSavings · $25 min
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Account represents share of ownership in credit union. Maintain a $25 minimum balance to keep account open. $25 minimum deposit to open. Dividends paid quarterly based on average daily balance.
Offer: Maintain a $25 minimum balance to keep account open. $25 minimum deposit to open. 5 free debits per month; $1 fee for withdrawals in excess thereafter.
Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Basic savings account representing shares of ownership in the credit union. Par value of a share is $5.00. Regulation D limits apply.
Offer: Dividends calculated by daily balance method and paid monthly.
0.10% interest rate
Rate checked
More details - Frontier Credit UnionInsured Money MarketInsured Money Market · $0 min · 0.05%–0.20% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Offer: Interest compounded and credited monthly. Fixed rate. Minimum balance to earn APY is $0.00.
0.05% interest rate · No monthly fee · Effective Sep 30, 2024
Rate by balance
Rate by balance for Insured Money Market Balance APY Up to $2,500 0.05% $2,500 – $20,000Your amount 0.10% $20,000 – $75,000 0.15% $75,000 and up 0.20% Rate checked
More details - 0.05%APY$5 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: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 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 Butte, MT metro
33 accounts at 11 banks and credit unions · checked Oct 16–22
- Typical
- 0.05%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.08%
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Butte, MT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Northwestern Energy Employees FCUCredit union · 1 branch