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 Bozeman, MT
- 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 - 3.00%APY$300 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: 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; at least 15 debit card purchases; enrolled in and log into online banking).
Qualified rate · 2.96% interest rate · Balance cap $50,000 · No monthly fee · Effective Apr 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 - 1.76%APY$176 a year on $10,000with conditions
Requirements
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 - Rocky Mountain Credit UnionPremier Money MarketPremier Money Market · $0 min · 1.11%–1.41% by balance
Credit union · 2 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 - 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 - 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 - Sky Federal Credit UnionRegular Money MarketRegular Money Market · $1,000 min · 0.75%–1.50% by balance
Credit union · 2 branches
0.85%APY$85 a year on $10,000Requirements
Product: Avoid the $10 monthly fee by maintaining minimum balance of $1,000. Up to 3 direct checks per month. Dividends paid monthly based on average daily balance.
0.75% interest rate · $10 monthly fee · Effective Dec 16, 2025
Rate by balance
Rate by balance for Regular Money Market Balance APY $1,000 – $9,999 0.75% $10,000 – $24,999Your amount 0.85% $25,000 – $49,999 1.25% $50,000 – $99,999 1.50% $100,000 and up 1.50% Rate checked
More details - Sky Federal Credit UnionSky High Wealth Builder PlusSavings · $2,500 min · 0.80%–0.85% by balance
Credit union · 2 branches
0.80%APY$80 a year on $10,000Requirements
Product: Secondary savings account. 3 free debits per month; $20 fee for non-qualified withdrawals in excess thereafter. Requires total deposit of $100 per month to avoid $5 monthly fee, and minimum average daily balance of $2,500 to avoid $25 monthly maintenance fee.
Offer: Dividends paid monthly based on average daily balance. $25 monthly fee waived by maintaining minimum average daily balance of $2,500; additional $5 fee waived with $100/month deposits.
0.79% interest rate · $25 monthly fee
Rate by balance
Rate by balance for Sky High Wealth Builder Plus Balance APY $2,500 – $20,000Your amount 0.80% $20,000 and up 0.85% Rate checked
More details - Rocky Mountain Credit UnionStandard Money MarketStandard Money Market · $0 min · 0.40%–0.90% by balance
Credit union · 2 branches
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 - Intrepid Credit UnionPremium Money MarketPremium Money Market · $2,500 min · 0.45%–1.50% by balance
Credit union · 1 branch
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 - Sky Federal Credit UnionBorrow & Save SavingsSavings · $25 min · 0.05%–0.50% by balance
Credit union · 2 branches
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Savings account associated with Borrow & Save loan program.
Qualified rate · 0.05% interest rate
Rate by balance
Rate by balance for Borrow & Save Savings Balance APY Up to $1,200 0.05% $1,201 – $2,400 0.10% $2,401 – $3,600 0.15% $3,601 – $4,800 0.25% $4,801 – $6,000 0.25% $6,001 and upYour amount 0.50% Rate checked
More details - 0.25%APY$25 a year on $10,000
0.25% interest rate · Effective Sep 28, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Used to pay for eligible medical expenses. Up to $4,600 of contributions per individual is exempted from MT Income Tax.
Offer: Maintenance charge of $1 if $100 minimum balance is not maintained. Minimum daily balance of $1 to obtain APY.
0.25% interest rate · $1 monthly fee · Effective Jul 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 Bozeman, MT
46 accounts at 11 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 1.44%
- Banks, typical
- 0.04%
- Credit unions, typical
- 0.05%
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