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 Helena, MT
- 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 · 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 - 1.01%APY$101 a year on $10,000
Requirements
Product: APY is calculated based upon monthly interest.
1.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $20,000Your amount 1.01% $20,000 and up 1.51% 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 - 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 · 3 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 - Farmers State BankPlatinum Money MarketPlatinum Money Market · $25 min · 0.45%–3.45% by balance
Bank · 1 branch
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 - 0.25%APY$25 a year on $10,000
0.25% interest rate · Effective Sep 28, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: $5 monthly service charge waived if a $200 minimum daily balance is maintained in the month, or for clients under 24 years of age. $10 fee for excess withdrawals over 6 per month.
0.05% interest rate · $5 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $10,000 0.05% $10,000 – $50,000Your amount 0.10% $50,000 and up 0.25% 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 - 0.05%APY$5 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: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Rocky Mountain Credit UnionOptional ShareSavings · $0 min · 0.01%–0.15% by balance
Credit union · 2 branches
0.05%APY$5 a year on $10,000Requirements
Product: Share savings account. Covered under Membership Savings & Other Savings tiers. Minimum average daily balance to earn stated APY is $0.01. Dividends compounded and credited monthly. Rate applies to full balance once tier range is met.
0.01% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Optional Share Balance APY Up to $1,000 0.01% $1,000 – $5,000Your amount 0.05% $25,000 – $75,000 0.15% Rate checked
More details - 0.05%APY$5 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 Premier Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Wells Fargo Platinum Savings Balance APY Any balanceYour amount 0.05% $25,000 and upPromotional rate accurate as of 2026-10-07 for new Platinum Savings accounts for customers who do not have an existing Wells Fargo consumer savings account (or ownership in past 30 days). $12 monthly fee avoided with $3,500 minimum daily balance. 3.25% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Membership share account. Minimum $5 per owner required. Dividends are paid on an average daily balance on the last day of each quarter.
Offer: Dividends paid quarterly on average daily balance.
0.05% interest rate · Effective Oct 1, 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 Helena, MT
29 accounts at 8 banks and credit unions · checked Oct 6–22
- Typical
- 0.05%
- Top 10% from
- 1.03%
- Banks, typical
- 0.02%
- Credit unions, typical
- 0.35%
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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