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 Billings, MT
- 2.50%APY$250 a year on $10,000
Requirements
Product: Maximum opening deposit is $1,000. Requires $20 minimum monthly automatic deposit (maximum monthly deposit is $800). For the first two years, a $25 access fee is assessed for all withdrawals. Requires $25.00 Share Savings deposit.
Offer: Promotional rate applies on balances up to $20,000; balances greater than $20,000 earn regular share savings rate.
Balance cap $20,000 · Effective Oct 1, 2026
Rate checked
More details - Altana Federal Credit UnionWealth Builder Savings AccountSavings · up to $10,000
Credit union · 4 branches
2.00%APY$200 a year on $10,000Requirements
Product: Mandatory monthly deposits and limited withdrawal access.
1.98% interest rate · Effective Oct 4, 2026
Rate checked
More details - Altana Federal Credit UnionWealth Builder Plus Savings AccountSavings · $2,500 min
Credit union · 4 branches
2.00%APY$200 a year on $10,0001.98% interest rate · Balance cap $19,999 · Effective Oct 4, 2026
Rate checked
More details - 2.00%APY$200 a year on $10,000
Requirements
Product: eStatements are required.
Offer: Average Daily Balance (ADB) under $10,000.
1.98% interest rate · Effective Oct 4, 2026
Rate by balance
Rate by balance for Metro Savings Balance APY Up to $10,000Your amount 2.00% $10,001 and up 0.03% 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 - Valley Credit UnionRewards SavingsSavings · $1 min · 0.05%–1.76% by balance
Credit union · 6 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 - Mountain America Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.50%–3.60% by balance
Credit union · 1 branch
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 - Rimrock Credit UnionMoney Market Share AccountMoney Market Share Account · $1,000 min
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Dividends compounded monthly based on the average daily balance. Limit of six (6) withdrawals per month. No minimum deposit amount after initial deposit.
Offer: Dividends compounded monthly based on average daily balance. Limit of six (6) withdrawals per month.
1.00% interest rate · Compounded monthly
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 - Black Hills Federal Credit UnionPremier High-Yield Money Market AccountPremier High-Yield Money Market Account · $0 min · 0.70%–3.15% by balance
Credit union · 2 branches
0.95%APY$95 a year on $10,000Requirements
Product: Dividends compounded and credited monthly. Calculated by the daily balance method.
Offer: Tiered account which pays the stated dividend rate that corresponds to the applicable deposit tier on the full balance in the account. No minimum daily balance required to earn the stated APY or avoid a fee.
0.70% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Premier High-Yield Money Market Account Balance APY Up to $10,000 0.70% $10,000 – $50,000Your amount 0.95% $50,000 – $100,000 1.15% $100,000 – $250,000 1.65% $250,000 – $500,000 2.20% $500,000 – $750,000 2.45% $750,000 – $1,000,000 2.90% $1,000,000 and up 3.15% Rate checked
More details - Intrepid Credit UnionPremium Money MarketPremium Money Market · $2,500 min · 0.45%–1.50% by balance
Credit union · 2 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 - Altana Federal Credit UnionACE Money MarketACE Money Market · 0.50%–3.05% by balance
Credit union · 4 branches
0.50%APY$50 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 $250,000
0.50% interest rate · No monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for ACE Money Market Balance APY Up to $250,000Your amount 0.50% $250,000 and upADB $250,000+ 3.05% Rate checked
More details - Billings Federal Credit UnionPriority Money Market AccountPriority Money Market Account · $0 min · 0.00%–0.60% by balance
Credit union · 4 branches
0.50%APY$50 a year on $10,000Requirements
Offer: Non-Certificate dividends accrue daily and are paid monthly. The rate may change after the account is opened. APY represents Annual Percentage Yield. APY is accurate as of the last dividend declaration date. $25.00 Share Savings deposit required. Fees or other conditions may reduce earnings on the account.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Priority Money Market Account Balance APY Up to $2,499 0.00% $2,500 – $9,999 0.50% $10,000 – $24,999Your amount 0.50% $25,000 – $49,999 0.50% $50,000 – $99,999 0.55% $100,000 and up 0.60% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
Product: Must link account to one of the Kasasa checking options.
Offer: No monthly service fees and no minimum balance. Requires linking to Kasasa Cash Checking.
Qualified rate · 0.50% interest rate · No monthly fee
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 Billings, MT
42 accounts at 11 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 2.00%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.50%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Billings, MT metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Altana Federal Credit UnionCredit union · 7 branches
- Billings Federal Credit UnionCredit union · 4 branches
- Mountain America Credit UnionCredit union · 1 branch