What are the current interest rates at Madison Valley Bank?

Current rates for Madison Valley Bank include: 12-Month CD: 1.35%, 18-Month CD: 1.65%, 24-Month CD: 1.81%, 48-Month CD: 1.86%, Savings: 0.75%, MMA: 0.25%

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Madison Valley Bank

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Madison Valley Bank Rates & Review October 2026

Q: How many branches does Madison Valley Bank operate?

Madison Valley Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Madison Valley Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Madison Valley Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 11, 2026

Madison Valley Bank's top rates as of October 11, 2026 are 2.87% APY on its 7 through 8-Months 7 through 8-Month Business Jumbo Certificate, 0.75% APY on savings, 0.25% APY on money market accounts, and 0.01% APY on checking, according to rates verified by MonitorBankRates. Other Madison Valley Bank CD rates include 3 through 6-Months 3 through 6-Month Business Jumbo Certificate at 2.73%, 7 through 8-Months 7 through 8-Month Business Jumbo Certificate at 2.11%, and 12-Months 12-Month Business Certificates of Deposit at 2.01%. MonitorBankRates evaluates the financial stability of Madison Valley Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.90%. Rates last updated and verified on 10/11/2026.

Madison Valley Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Madison Valley Bank? Share your experience about Madison Valley Bank by leaving a review below, or read customer reviews before you decide to use Madison Valley Bank.

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.90%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Madison Valley Bank

213 E Main St
Ennis, MT 59729

https://www.madisonvalleybank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Madison Valley Bank Business CD Rates

Product	Rate	APY	Term
7 through 8 month Business Jumbo Certificate	2.85%	2.87%	7 through 8 months
Min Deposit $500 Min Balance $500 Details Direct Deposit Required Last Updated 10/11/2026 Rate History No change since Oct 11, 2026 · 2.87% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
3 through 6 month Business Jumbo Certificate	2.70%	2.73%	3 through 6 months
Min Deposit $500 Min Balance $500 Details Direct Deposit Required Last Updated 10/11/2026 Rate History No change since Oct 11, 2026 · 2.73% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
7 through 8 month Business Jumbo Certificate	2.10%	2.11%	7 through 8 months
Min Deposit $500 Min Balance $500 Details No Direct Deposit Last Updated 10/11/2026 Rate History No change since Oct 11, 2026 · 2.11% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
12 month Business Certificates of Deposit	2.00%	2.01%	12 months
Min Deposit $500 Min Balance $500 Details Term: 12 to under 24 months Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 2.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
3 through 6 month Business Jumbo Certificate	1.95%	1.96%	3 through 6 months
Min Deposit $500 Min Balance $500 Details No Direct Deposit Last Updated 10/11/2026 Rate History No change since Oct 11, 2026 · 1.96% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
48 Month Business Certificates of Deposit	1.85%	1.86%	48 months and over
Min Deposit $500 Min Balance $500 Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 1.86% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
24 month Business Certificates of Deposit	1.80%	1.81%	24 months
Min Deposit $500 Min Balance $500 Details Term: 24 to under 48 months Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 1.81% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business 18 month multiple deposit	1.65%	1.65%	18 month
Min Deposit $100 Min Balance $100 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 1.65% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
6 to under 12 month Business Certificates of Deposit	1.35%	1.35%	6 to under 12 months
Min Deposit $500 Min Balance $500 Last Updated 10/11/2026 Rate History No change since Oct 11, 2026 · 1.35% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
3 to under 6 month Business Certificates of Deposit	1.10%	1.10%	3 to under 6 months
Min Deposit $500 Min Balance $500 Last Updated 10/11/2026 Rate History No change since Oct 11, 2026 · 1.10% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
1 to under 3 month Business Certificates of Deposit	0.85%	0.85%	1 to under 3 months
Min Deposit $500 Min Balance $500 Last Updated 10/11/2026 Rate History No change since Oct 11, 2026 · 0.85% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%

Madison Valley Bank Business Savings Rates

Product	Rate	APY
Business Holiday Savings	0.75%	0.75%
Min Deposit $50 Min Balance $50 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Montana Medical Savings	0.25%	0.25%
Min Deposit $100 Min Balance $1 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Personal Savings	0.25%	0.25%
Min Deposit $50 Min Balance $50 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Health Savings	0.15%	0.15%
Min Deposit $100 Min Balance $1 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.15% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%

Madison Valley Bank Business Money Market Rates

Product	Rate	APY
Business Money Market	0.25%	0.25%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000.00 - $24,999.99^ Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Money Market	0.25%	0.25%
Min Deposit $1,000 Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99^ Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Money Market	0.25%	0.25%
Min Deposit $1,000 Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99^ Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%
Business Money Market	0.25%	0.25%
Min Deposit $1,000 Min Balance $100,000 Details Balance: $100,000.00+^ Last Updated 10/11/2026 Rate History No change since Sep 19, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%

Madison Valley Bank Business Checking Rates

Product	Rate	APY	View More
Business Interest Checking	0.01%	0.01%
Min Deposit $1,000 Min Balance $1,000 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%

Madison Valley Bank Other Rates

Product	Rate	Points	APY/APR	Term	View More
Business Freedom Plus	0.01%	-	0.01%
Min Deposit $50 Min Balance $1 Last Updated 10/11/2026 Rate History No change since Sep 11, 2026 · 0.01% APY · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.90%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Madison Valley Bank’s Texas Ratio rose from 5.13% in Q3 2023 to 6.90% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$264M	6.90%	5.0	A
March 31, 2026	$282M	8.35%	5.0	A
December 31, 2025	$262M	6.98%	5.0	A
September 30, 2025	$275M	5.99%	5.0	A+
June 30, 2025	$266M	8.22%	5.0	A
March 31, 2025	$269M	6.88%	5.0	A
December 31, 2024	$257M	6.90%	5.0	A
September 30, 2024	$270M	2.99%	5.0	A+
June 30, 2024	$261M	4.36%	5.0	A+
March 31, 2024	$270M	5.07%	5.0	A+
December 31, 2023	$261M	5.11%	5.0	A+
September 30, 2023	$262M	5.13%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Madison Valley Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Madison Valley Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Madison Valley Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Madison Valley Bank

Bank Holding Company JACKASS CREEK LAND&LIVESTOCK

Address 213 E Main St, Ennis, MT 59729 · Madison

Website https://www.madisonvalleybank.com

FDIC Certificate # 19544

Established 19650621

FDIC Insurance Date 19660113

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.90%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.0410%

Return on Equity (ROE) 12.0300%

Non-Performing Loans (NPL) 0.62%

Total Assets $263,697,000

Total Deposits $238,557,000

Equity Capital $23,613,000

Net Income $1,402,000

Headquarters Ennis

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Madison Valley Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Madison Valley Bank

How many branches does Madison Valley Bank operate?

Madison Valley Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Madison Valley Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Madison Valley Bank provides members with tools to manage their accounts and build a solid financial history.

Does Madison Valley Bank offer online and mobile banking?

Most modern institutions like Madison Valley Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.madisonvalleybank.com.