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Montana Best CD Rates September 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Montana CD rates include Horizon Credit UnionHorizon Credit Union2330 S Reserve St, Missoula, MT 59801A+5.0 ★Texas Ratio: 0.84%Real return: +2.20%APY minus CPI (February 2026) offering 18-Month Certificate at 5.00% APY, Lincoln County Credit UnionLincoln County Credit Union714 W 6th St, Libby, MT 59923A+5.0 ★Texas Ratio: 0.28%Real return: +1.70%APY minus CPI (February 2026) offering 12 Month Share Certificates at 4.50% APY, Park Side Financial Credit UnionPark Side Financial Credit Union1300 Baker Ave, Whitefish, MT 59937 2988A+5.0 ★Texas Ratio: 3.88%Real return: +1.60%APY minus CPI (February 2026) offering 1-Year Youth Certificate at 4.40% APY, Mountain America Federal Credit UnionMountain America Federal Credit Union875 Main St, Billings, MT 59105A5.0 ★Texas Ratio: 7.84%Real return: +1.45%APY minus CPI (February 2026) offering 24 Month Certificate at 4.25% APY, and Daniels-Sheridan Federal Credit UnionDaniels-Sheridan Federal Credit Union404 Main Street, Scobey, MT 59263 1160A+5.0 ★Texas Ratio: 3.20%Real return: +1.28%APY minus CPI (February 2026) offering 1-Year Share Certificate at 4.08% APY. CD rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Montana side-by-side. Montana CD rates currently reach as high as 5.00% APY from Horizon Credit Union at 2330 S Reserve St, Missoula, MT 59801. Rates are continually updated, so we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 21, 2026
Compare Best CD Rates in Montana
Montana 3 Month CD Rates
MonitorBankRates National Average · 3 Month CD2.06% APY▲ 0.02% from last week
The national average 3-month CD rate is 2.06% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
1300 Baker Ave, Whitefish, MT 59937 2988
3-Month Share Certificate
$500
3.55%
▲ 1.49% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.49% above avg
Details
Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
501 N 1st St, Hamilton, MT 59840 2129
3 Month Youth Certificate
$0
3.53%
▲ 1.47% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.47% above avg
Details
Available to members who are 18 years old or younger.
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
915 Kessler St, Helena, MT 59601
90 Day Share Certificate
$0
3.50%
▲ 1.44% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details
Balance: $1,000 - $9,999.99
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
3400 N Montana Ave, Helena, MT 59602
90 Day Certificate
$0
3.45%
▲ 1.39% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.39% above avg
Details
Balance: $1,000 <; Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
430 Main St, Deer Lodge, MT 59722
90 Day Time CD
$100
3.40%
▲ 1.34% above national avg
▼
Rate3.35%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.34% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2330 S Reserve St, Missoula, MT 59801
90 Day Certificate
$2,500
3.40%
▲ 1.34% above national avg
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.34% above avg
Details
Balance: $25,000.00 to $99,999.99
First Federal Bank & Trust
Institution Rating:
B-4.2 ★Texas Ratio: 24.13%
645 Henry Chapple St, Billings, MT 59106
3 Month CD
$250,000
3.10%
▲ 1.04% above national avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 1.04% above avg
Details
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 S Idaho St, Dillon, MT 59725
90 Day Certificates of Deposit
$500
3.00%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.94% above avg
Details
All certificates can be added onto, $200 minimum add on.
First Federal Bank & Trust
Institution Rating:
B-4.2 ★Texas Ratio: 24.13%
645 Henry Chapple St, Billings, MT 59106
3 Month CD
$0
3.00%
▲ 0.94% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.94% above avg
Details
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
11 West Main Street, Belgrade, MT 59714
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼ 0.22% below national avg
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.22% below avg
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
3 Month Business Certificate of Deposit (CD)
$0
0.60%
▼ 1.46% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.46% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
3 Month Certificate
$0
0.60%
▼ 1.46% below national avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.46% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
3 Month Business Certificate of Deposit (CD)
$0
0.55%
▼ 1.51% below national avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.51% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
3 Month Certificate of Deposit (CD)
$0
0.55%
▼ 1.51% below national avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.51% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
3 Month Business Certificate of Deposit (CD)
$0
0.50%
▼ 1.56% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.56% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
3 Month Certificate of Deposit (CD)
$0
0.50%
▼ 1.56% below national avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.56% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
623 2nd Ave S, Glasgow, MT 59230
3 month Standard Interest Rate
$2,500
0.06%
▼ 2.00% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
623 2nd Ave S, Glasgow, MT 59230
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.01% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
Montana 6 Month CD Rates
MonitorBankRates National Average · 6 Month CD2.77% APY▲ 0.02% from last week
The national average 6-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1541 Custer Ave, Billings, MT 59102
6 Month Certificate
$1,000
3.97%
▲ 1.20% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 1.20% above avg
Details
Limited time special! Rates effective as of August 1, 2026.
St Pats Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
500 W Broadway St, Missoula, MT 59802 4008
6 Month Term Share Certificates
$0
3.76%
▲ 0.99% above national avg
▼
Rate3.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.99% above avg
Details
Balance: $100,000.00 and over
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 S Idaho St, Dillon, MT 59725
180 Day Certificates of Deposit
$500
3.75%
▲ 0.98% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.98% above avg
Details
All certificates can be added onto, $200 minimum add on.
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
6 Month Certificates
$0
3.69%
▲ 0.92% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.92% above avg
Details
Balance: $100,000+
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2910 Prospect Ave, Helena, MT 59601 9726
6 Month Certificate
$0
3.61%
▲ 0.84% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.84% above avg
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
952 Central Ave, Billings, MT 59102 5845
6 Month Certificate
$0
3.60%
▲ 0.83% above national avg
▼
Rate3.57%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Balance: $2000.00 minimum
Montana Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Russell St, Missoula, MT 59801 6658
6 Month Share Certificates
$0
3.60%
▲ 0.83% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.83% above avg
Details
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
915 Kessler St, Helena, MT 59601
6 Month Share Certificate
$0
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
Balance: $1,000 - $9,999.99
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
1300 Baker Ave, Whitefish, MT 59937 2988
Jumbo 6-Month Share Certificate
$50,000
3.55%
▲ 0.78% above national avg
▼
Rate3.50%
Min Deposit$50,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.78% above avg
Details
Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
501 N 1st St, Hamilton, MT 59840 2129
6 Month Certificate
$0
3.53%
▲ 0.76% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.76% above avg
Details
Rates are subject to change at any time.
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
400 E Park St, Butte, MT 59701 1916
6 Month CD
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details
Balance: $10,000 - $100,000+
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
400 E Park St, Butte, MT 59701 1916
6 Month Share Certificate (CD)
$0
3.50%
▲ 0.73% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.73% above avg
Details
Balance: $10,000 - $100,000+
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
6 Month Certificates
$0
3.49%
▲ 0.72% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.72% above avg
Details
Balance: $50,000 - $99,999
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
1300 Baker Ave, Whitefish, MT 59937 2988
6-Month Share Certificate
$500
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
3400 N Montana Ave, Helena, MT 59602
6 Month Certificate
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
Balance: $1,000 <; Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
617 SE 4th St, Laurel, MT 59044 3307
6 Month Certificates of Deposit
$0
3.30%
▲ 0.53% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.53% above avg
Details
Balance: $10,000 and up
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2330 S Reserve St, Missoula, MT 59801
6 Month Certificate
$2,500
3.30%
▲ 0.53% above national avg
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
Balance: $25,000.00 to $99,999.99
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
400 E Park St, Butte, MT 59701 1916
6 Month CD
$0
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.48% above avg
Details
Balance: $0 - $10,000
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
400 E Park St, Butte, MT 59701 1916
6 Month Share Certificate (CD)
$0
3.25%
▲ 0.48% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 0.48% above avg
Details
Balance: $0 - $10,000
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
430 Main St, Deer Lodge, MT 59722
6 Month CD
$100
3.15%
▲ 0.38% above national avg
▼
Rate3.10%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▲ 0.38% above avg
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
6 Month Certificates
$0
3.14%
▲ 0.37% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.37% above avg
Details
Balance: $25,000 - $49,999
Northwestern Energy Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
2100 Harrison Ave, Butte, MT 59701 6004
I6 6-month Certificate
$0
3.02%
▲ 0.25% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▲ 0.25% above avg
Details
Daily Balance/Semi-Annual Dividend, Posts to Shares
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
6 Month Student Certificates
$100
2.85%
▲ 0.08% above national avg
▼
Rate2.81%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.08% above avg
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
6 Month Certificates
$0
2.79%
▲ 0.02% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.02% above avg
Details
Balance: $10,000 - $24,999
Madison Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
213 E Main St, Ennis, MT 59729
Business 3 through 6 months
$500
2.73%
▼ 0.04% below national avg
▼
Rate2.70%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.04% below avg
Details
Direct Deposit Required
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
617 SE 4th St, Laurel, MT 59044 3307
6 Month Certificates of Deposit
$0
2.67%
▼ 0.10% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.10% below avg
Details
Balance: $5,000.00 - $9,999
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
6 Month Certificates
$0
2.64%
▼ 0.13% below national avg
▼
Rate2.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.13% below avg
Details
Balance: $500 - $9,999
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
617 SE 4th St, Laurel, MT 59044 3307
6 Month Certificates of Deposit
$0
2.62%
▼ 0.15% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.15% below avg
Details
Balance: $500.00 - $4,999
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
11 West Main Street, Belgrade, MT 59714
6 Month Standard Certificates of Deposit
$1,000
2.27%
▼ 0.50% below national avg
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.50% below avg
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Madison Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
213 E Main St, Ennis, MT 59729
Business 3 through 6 months
$500
1.96%
▼ 0.81% below national avg
▼
Rate1.95%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.81% below avg
Details
No Direct Deposit
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
6 Month Business Certificate of Deposit (CD)
$0
1.36%
▼ 1.41% below national avg
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.41% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
6 Month Certificate
$0
1.36%
▼ 1.41% below national avg
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.41% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
6 Month Business Certificate of Deposit (CD)
$0
1.31%
▼ 1.46% below national avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.46% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
6 Month Certificate of Deposit (CD)
$0
1.31%
▼ 1.46% below national avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.46% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
6 Month Business Certificate of Deposit (CD)
$0
1.26%
▼ 1.51% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.51% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
6 Month Certificate of Deposit (CD)
$0
1.26%
▼ 1.51% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.51% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
623 2nd Ave S, Glasgow, MT 59230
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.71% below national avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.71% below avg
Details
Early withdrawal penalties may apply.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
623 2nd Ave S, Glasgow, MT 59230
6 month Standard Fixed Rate
$2,500
0.05%
▼ 2.72% below national avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 2.72% below avg
Details
Relationship APY 0.06%. Early withdrawal penalties may apply.
The Family First Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.61%
2901 11th Ave s, Great Falls, MT 59405 5301
6 Month Share Certificate
$0
0.05%
▼ 2.72% below national avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.77%▼ 2.72% below avg
Details
Montana 12 Month CD Rates
MonitorBankRates National Average · 12 Month CD2.95% APY▲ 0.03% from last week
The national average 12-month CD rate is 2.95% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Lincoln County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
714 W 6th St, Libby, MT 59923
12 Month Share Certificates
$0
4.50%
▲ 1.55% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.55% above avg
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
1300 Baker Ave, Whitefish, MT 59937 2988
1-Year Youth Certificate
$100
4.40%
▲ 1.45% above national avg
▼
Rate4.31%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.45% above avg
Details
Daniels-Sheridan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
404 Main Street, Scobey, MT 59263 1160
1-Year Share Certificate
$0
4.08%
▲ 1.13% above national avg
▼
Rate4.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.13% above avg
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1541 Custer Ave, Billings, MT 59102
12 Month Certificate
$500
3.97%
▲ 1.02% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.02% above avg
Details
Limited time special! Rates effective as of August 1, 2026.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
875 Main St, Billings, MT 59105
12 Month Certificate
$0
3.90%
▲ 0.95% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.95% above avg
Details
St Pats Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
500 W Broadway St, Missoula, MT 59802 4008
1 Year Term Share Certificates
$0
3.87%
▲ 0.92% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.92% above avg
Details
Balance: $100,000.00 and over
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
12 Month Certificates
$0
3.79%
▲ 0.84% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.84% above avg
Details
Term: 12 Month Certificates; Balance: $500 - $9,999
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
12 Month Student Certificates
$100
3.79%
▲ 0.84% above national avg
▼
Rate3.73%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.84% above avg
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
IRA 12 Month Certificates
$0
3.79%
▲ 0.84% above national avg
▼
Rate3.73%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.84% above avg
Details
Term: IRA 12 Month Certificates; Balance: $500 - $9,999
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
617 SE 4th St, Laurel, MT 59044 3307
12 Month Certificates of Deposit
$0
3.65%
▲ 0.70% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.70% above avg
Details
Balance: $10,000 and up
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
952 Central Ave, Billings, MT 59102 5845
1 Year Certificate
$0
3.60%
▲ 0.65% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.65% above avg
Details
Balance: $2000.00 minimum
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
3400 N Montana Ave, Helena, MT 59602
12 Month Certificate
$0
3.56%
▲ 0.61% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.61% above avg
Details
Balance: $1,000 <; Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
3400 N Montana Ave, Helena, MT 59602
IRA Certificates (12 Month)
$0
3.56%
▲ 0.61% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.61% above avg
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Belt Valley Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.38%
111 Castner St, Belt, MT 59412
1 Year CD
$500
3.55%
▲ 0.60% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.60% above avg
Details
Penalty for early withdrawal may apply.
Belt Valley Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.38%
111 Castner St, Belt, MT 59412
1 Year Certificate of Deposit
$500
3.55%
▲ 0.60% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.60% above avg
Details
First Security Bank of Deer Lodge
Institution Rating:
A5.0 ★Texas Ratio: 11.95%
311 Milwaukee Ave, Deer Lodge, MT 59722
12 Month Certificate of Deposit
$1,000
3.55%
▲ 0.60% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 0.60% above avg
Details
Minimum: $1000 Minimum Balance to Open Account
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
915 Kessler St, Helena, MT 59601
12 Month Individual Retirement Certificates
$0
3.55%
▲ 0.60% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.60% above avg
Details
Balance: $1,000 - $9,999.99
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
915 Kessler St, Helena, MT 59601
12 Month Share Certificate
$0
3.55%
▲ 0.60% above national avg
▼
Rate3.49%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.60% above avg
Details
Balance: $1,000 - $9,999.99
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
1300 Baker Ave, Whitefish, MT 59937 2988
12-Month Jumbo Share Certificate
$0
3.55%
▲ 0.60% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.60% above avg
Details
Rates last confirmed July 28, 2024
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
1300 Baker Ave, Whitefish, MT 59937 2988
Jumbo 12-Month Share Certificate
$100,000
3.55%
▲ 0.60% above national avg
▼
Rate3.50%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.60% above avg
Details
Northwestern Energy Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
2100 Harrison Ave, Butte, MT 59701 6004
I1 1-year Certificate
$0
3.53%
▲ 0.58% above national avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.58% above avg
Details
Daily Balance/Semi-Annual Dividend, Posts to Shares
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2910 Prospect Ave, Helena, MT 59601 9726
12 Month Certificate
$0
3.51%
▲ 0.56% above national avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.56% above avg
Details
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 S Idaho St, Dillon, MT 59725
12 Month Certificates of Deposit
$500
3.50%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.55% above avg
Details
All certificates can be added onto, $200 minimum add on.
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT 59330
12 month CD
$1,000
3.50%
▲ 0.55% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.55% above avg
Details
ALL RATES ARE REVIEWED MONTHLY AND CAN BE CHANGED AT THE BOARDS DIRECTIVE.
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
1300 Baker Ave, Whitefish, MT 59937 2988
12-Month Share Certificate
$500
3.45%
▲ 0.50% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.50% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2330 S Reserve St, Missoula, MT 59801
12 Month Certificate
$1,000
3.35%
▲ 0.40% above national avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.40% above avg
Details
Balance: $25,000.00 to $99,999.99
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2330 S Reserve St, Missoula, MT 59801
12 Month IRA
$500
3.35%
▲ 0.40% above national avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 0.40% above avg
Details
Balance: $25,000.00 to $99,999.99
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
400 E Park St, Butte, MT 59701 1916
12 Month CD
$0
3.25%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.30% above avg
Details
Balance: $10,000 - $100,000+
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
400 E Park St, Butte, MT 59701 1916
12 Month Share Certificate (CD)
$0
3.25%
▲ 0.30% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.30% above avg
Details
Balance: $10,000 - $100,000+
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
430 Main St, Deer Lodge, MT 59722
1 Year CD
$100
3.09%
▲ 0.14% above national avg
▼
Rate3.05%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.14% above avg
Details
Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
501 N 1st St, Hamilton, MT 59840 2129
12 Month Certificate
$0
3.03%
▲ 0.08% above national avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.08% above avg
Details
Rates are subject to change at any time.
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
400 E Park St, Butte, MT 59701 1916
12 Month CD
$0
3.00%
▲ 0.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.05% above avg
Details
Balance: $0 - $10,000
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
400 E Park St, Butte, MT 59701 1916
12 Month Share Certificate (CD)
$0
3.00%
▲ 0.05% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.05% above avg
Details
Balance: $0 - $10,000
Farmers State Bank Victor, MT
Institution Rating:
A4.8 ★Texas Ratio: 6.69%
103 Main St, Victor, MT 59875
12 Month Certificate
$1,000
2.94%
▼ 0.01% below national avg
▼
Rate2.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▼ 0.01% below avg
Details
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
617 SE 4th St, Laurel, MT 59044 3307
12 Month Certificates of Deposit
$0
2.85%
▼ 0.10% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 0.10% below avg
Details
Balance: $5,000.00 - $9,999
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
617 SE 4th St, Laurel, MT 59044 3307
12 Month Certificates of Deposit
$0
2.75%
▼ 0.20% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 0.20% below avg
Details
Balance: $500.00 - $4,999
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
11 West Main Street, Belgrade, MT 59714
12 Month Standard Certificates of Deposit
$500
2.42%
▼ 0.53% below national avg
▼
Rate2.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▼ 0.53% below avg
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
11 West Main Street, Belgrade, MT 59714
IRA Certificate 12 Month
$500
2.37%
▼ 0.58% below national avg
▼
Rate2.36%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.95%▼ 0.58% below avg
Details
Interest Frequency: 6 Months; Early Withdrawal Penalty: 91 Days
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
12 Month IRA Certificates
$0
1.66%
▼ 1.29% below national avg
▼
Rate1.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 1.29% below avg
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
12 Month Regular Certificates (Minimum Opening
$0
1.66%
▼ 1.29% below national avg
▼
Rate1.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 1.29% below avg
Details
Balance $10,000
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
Regular Certificates (Minimum Opening - 12 Months
$0
1.66%
▼ 1.29% below national avg
▼
Rate1.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 1.29% below avg
Details
Balance $50,000
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
12 Month Business Certificate of Deposit (CD)
$0
1.61%
▼ 1.34% below national avg
▼
Rate1.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 1.34% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
12 Month Certificate
$0
1.61%
▼ 1.34% below national avg
▼
Rate1.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 1.34% below avg
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
12 Month Regular Certificates
$0
1.56%
▼ 1.39% below national avg
▼
Rate1.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.95%▼ 1.39% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
12 Month Business Certificate of Deposit (CD)
$0
1.56%
▼ 1.39% below national avg
▼
Rate1.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 1.39% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
12 Month Certificate of Deposit (CD)
$0
1.56%
▼ 1.39% below national avg
▼
Rate1.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 1.39% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
623 2nd Ave S, Glasgow, MT 59230
1 year Standard Interest Rate
$2,500
1.51%
▼ 1.44% below national avg
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.44% below avg
Details
Early withdrawal penalties may apply.
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
12 Month Business Certificate of Deposit (CD)
$0
1.51%
▼ 1.44% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 1.44% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
12 Month Certificate of Deposit (CD)
$0
1.51%
▼ 1.44% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.95%▼ 1.44% below avg
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
623 2nd Ave S, Glasgow, MT 59230
1 year Standard Fixed Rate
$2,500
1.50%
▼ 1.45% below national avg
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.95%▼ 1.45% below avg
Details
Relationship APY 1.51%. Early withdrawal penalties may apply.
Montana 18 Month CD Rates
MonitorBankRates National Average · 18 Month CD2.82% APY▼ 0.01% from last week
The national average 18-month CD rate is 2.82% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2330 S Reserve St, Missoula, MT 59801
18-Month Certificate
$0
5.00%
▲ 2.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 2.18% above avg
Details
Maximum deposit of $1M per individual.
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2330 S Reserve St, Missoula, MT 59801
IRA 18-Month Certificate
$0
5.00%
▲ 2.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 2.18% above avg
Details
The IRA rates shown are for Traditional, Roth, and Coverdell IRAs. Maximum deposit of $1 million per individual.
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
875 Main St, Billings, MT 59105
18 Month Certificate
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▲ 1.18% above avg
Details
Lincoln County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
714 W 6th St, Libby, MT 59923
18 Month Share Certificates
$0
4.00%
▲ 1.18% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 1.18% above avg
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
18 Month Certificates
$0
3.69%
▲ 0.87% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.87% above avg
Details
Term: 18 Month Certificates; Balance: $100,000+
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
3400 N Montana Ave, Helena, MT 59602
18 Month Certificate
$0
3.61%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.79% above avg
Details
Balance: $1,000 <; Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
3400 N Montana Ave, Helena, MT 59602
18 Month CHILDREN'S CERTIFICATES
$0
3.61%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.79% above avg
Details
Balance: $250 min. balance; Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
3400 N Montana Ave, Helena, MT 59602
IRA Certificates (18 Month)
$0
3.61%
▲ 0.79% above national avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.79% above avg
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
18 Month Certificates
$0
3.49%
▲ 0.67% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.67% above avg
Details
Term: 18 Month Certificates; Balance: $50,000 - $99,999
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
1300 Baker Ave, Whitefish, MT 59937 2988
Jumbo 18-Month Share Certificate
$100,000
3.40%
▲ 0.58% above national avg
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.58% above avg
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
1300 Baker Ave, Whitefish, MT 59937 2988
18-Month Share Certificate
$500
3.25%
▲ 0.43% above national avg
▼
Rate3.20%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.43% above avg
Details
Belt Valley Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.38%
111 Castner St, Belt, MT 59412
18 Month CD
$500
3.15%
▲ 0.33% above national avg
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.33% above avg
Details
Penalty for early withdrawal may apply.
Belt Valley Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.38%
111 Castner St, Belt, MT 59412
18 Month Certificate of Deposit
$500
3.15%
▲ 0.33% above national avg
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.33% above avg
Details
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
430 Main St, Deer Lodge, MT 59722
IRA 18 Month Fixed
$100
3.14%
▲ 0.32% above national avg
▼
Rate3.10%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.32% above avg
Details
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
430 Main St, Deer Lodge, MT 59722
IRA 18 Month Variable
$100
3.14%
▲ 0.32% above national avg
▼
Rate3.10%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▲ 0.32% above avg
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
18 Month Certificates
$0
3.14%
▲ 0.32% above national avg
▼
Rate3.07%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▲ 0.32% above avg
Details
Term: 18 Month Certificates; Balance: $25,000 - $49,999
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
18 Month Certificates
$0
2.79%
▼ 0.03% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.03% below avg
Details
Term: 18 Month Certificates; Balance: $10,000 - $24,999
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 S Idaho St, Dillon, MT 59725
18 Month Certificates of Deposit
$500
2.75%
▼ 0.07% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.07% below avg
Details
All certificates can be added onto, $200 minimum add on.
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 S Idaho St, Dillon, MT 59725
18 month IRA
$0
2.75%
▼ 0.07% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.07% below avg
Details
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 S Idaho St, Dillon, MT 59725
IRA - 18 month
$0
2.75%
▼ 0.07% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.07% below avg
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
18 Month Certificates
$0
2.64%
▼ 0.18% below national avg
▼
Rate2.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 0.18% below avg
Details
Term: 18 Month Certificates; Balance: $500 - $9,999
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
430 Main St, Deer Lodge, MT 59722
18 Month CD
$100
2.63%
▼ 0.19% below national avg
▼
Rate2.60%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 0.19% below avg
Details
Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
501 N 1st St, Hamilton, MT 59840 2129
18 Month Certificate
$0
2.52%
▼ 0.30% below national avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.82%▼ 0.30% below avg
Details
Rates are subject to change at any time.
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
11 West Main Street, Belgrade, MT 59714
18 Month Standard Certificates of Deposit
$5,000
2.41%
▼ 0.41% below national avg
▼
Rate2.39%
Min Deposit$5,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 0.41% below avg
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 182 Days
First Security Bank of Deer Lodge
Institution Rating:
A5.0 ★Texas Ratio: 11.95%
311 Milwaukee Ave, Deer Lodge, MT 59722
18 Month Certificate of Deposit
$1,000
2.17%
▼ 0.65% below national avg
▼
Rate2.15%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 0.65% below avg
Details
Minimum: $1000 Minimum Balance to Open Account
Madison Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
213 E Main St, Ennis, MT 59729
Business 18 month multiple deposit
$100
1.65%
▼ 1.17% below national avg
▼
Rate1.65%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 1.17% below avg
Details
Term: 18 month multiple deposit
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
18 Month Business Certificate of Deposit (CD)
$0
1.56%
▼ 1.26% below national avg
▼
Rate1.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 1.26% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
18 Month Certificate
$0
1.56%
▼ 1.26% below national avg
▼
Rate1.55%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 1.26% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
18 Month Business Certificate of Deposit (CD)
$0
1.51%
▼ 1.31% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 1.31% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
18 Month Certificate of Deposit (CD)
$0
1.51%
▼ 1.31% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 1.31% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
18 Month Business Certificate of Deposit (CD)
$0
1.46%
▼ 1.36% below national avg
▼
Rate1.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 1.36% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
18 Month Certificate of Deposit (CD)
$0
1.46%
▼ 1.36% below national avg
▼
Rate1.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.82%▼ 1.36% below avg
Details
Farmers State Bank Victor, MT
Institution Rating:
A4.8 ★Texas Ratio: 6.69%
103 Main St, Victor, MT 59875
18 Month Certificate
$1,000
1.27%
▼ 1.55% below national avg
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.82%▼ 1.55% below avg
Details
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 S Idaho St, Dillon, MT 59725
18 month variable IRA
$0
1.00%
▼ 1.82% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.82% below avg
Details
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 S Idaho St, Dillon, MT 59725
IRA - 18 month variable
$0
1.00%
▼ 1.82% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.82%▼ 1.82% below avg
Details
Montana 24 Month CD Rates
MonitorBankRates National Average · 24 Month CD2.84% APYUnchanged from last week
The national average 24-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
875 Main St, Billings, MT 59105
24 Month Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2330 S Reserve St, Missoula, MT 59801
24 Month Certificate
$1,000
4.12%
▲ 1.28% above national avg
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 1.28% above avg
Details
With .50% Bonus**; Balance: $100,000.00 or more
St Pats Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
500 W Broadway St, Missoula, MT 59802 4008
2 Year Term Share Certificates
$0
3.87%
▲ 1.03% above national avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.03% above avg
Details
Balance: $100,000.00 and over
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
24 Month Certificates
$0
3.69%
▲ 0.85% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.85% above avg
Details
Term: 24 Month Certificates; Balance: $100,000+
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
IRA 24 Month Certificates
$0
3.69%
▲ 0.85% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.85% above avg
Details
Term: IRA 24 Month Certificates; Balance: $100,000+
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1541 Custer Ave, Billings, MT 59102
24 Month Certificate
$500
3.66%
▲ 0.82% above national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.82% above avg
Details
Limited time special! Rates effective as of August 1, 2026.
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
3400 N Montana Ave, Helena, MT 59602
2 Years Certificate
$0
3.66%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.82% above avg
Details
Balance: $1,000 <; Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
3400 N Montana Ave, Helena, MT 59602
IRA Certificates (2 Years)
$0
3.66%
▲ 0.82% above national avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.82% above avg
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2330 S Reserve St, Missoula, MT 59801
24 Month Certificate
$1,000
3.61%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.77% above avg
Details
Balance: $25,000.00 to $99,999.99
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2330 S Reserve St, Missoula, MT 59801
24 Month IRA
$500
3.61%
▲ 0.77% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.77% above avg
Details
With .50% Bonus*; Balance: $25,000.00 to $99,999.99
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT 59330
24 month CD
$1,000
3.60%
▲ 0.76% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.76% above avg
Details
ALL RATES ARE REVIEWED MONTHLY AND CAN BE CHANGED AT THE BOARDS DIRECTIVE.
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
915 Kessler St, Helena, MT 59601
24 Month Individual Retirement Certificates
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Balance: $1,000 - $9,999.99
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
915 Kessler St, Helena, MT 59601
24 Month Share Certificate
$0
3.60%
▲ 0.76% above national avg
▼
Rate3.54%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.76% above avg
Details
Balance: $1,000 - $9,999.99
Lincoln County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
714 W 6th St, Libby, MT 59923
2 Year Share Certificates
$0
3.50%
▲ 0.66% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.66% above avg
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
24 Month Certificates
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.65% above avg
Details
Term: 24 Month Certificates; Balance: $50,000 - $99,999
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
IRA 24 Month Certificates
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.65% above avg
Details
Term: IRA 24 Month Certificates; Balance: $50,000 - $99,999
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2910 Prospect Ave, Helena, MT 59601 9726
24 Month Certificate
$0
3.46%
▲ 0.62% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.62% above avg
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
952 Central Ave, Billings, MT 59102 5845
2 Year Certificate
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.56% above avg
Details
Balance: $2000.00 minimum
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
1300 Baker Ave, Whitefish, MT 59937 2988
24-Month Share Certificate
$500
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.56% above avg
Details
Daniels-Sheridan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
404 Main Street, Scobey, MT 59263 1160
2-Year Share Certificate
$0
3.30%
▲ 0.46% above national avg
▼
Rate3.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.46% above avg
Details
Montana Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Russell St, Missoula, MT 59801 6658
2 Year Share Certificates
$0
3.25%
▲ 0.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.41% above avg
Details
Belt Valley Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.38%
111 Castner St, Belt, MT 59412
2 Year CD
$500
3.23%
▲ 0.39% above national avg
▼
Rate3.19%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.39% above avg
Details
Penalty for early withdrawal may apply.
Belt Valley Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.38%
111 Castner St, Belt, MT 59412
2 Year Certificate of Deposit
$500
3.23%
▲ 0.39% above national avg
▼
Rate3.19%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.39% above avg
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
24 Month Certificates
$0
3.14%
▲ 0.30% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.30% above avg
Details
Term: 24 Month Certificates; Balance: $25,000 - $49,999
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
IRA 24 Month Certificates
$0
3.14%
▲ 0.30% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.30% above avg
Details
Term: IRA 24 Month Certificates; Balance: $10,000 - $49,999
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
400 E Park St, Butte, MT 59701 1916
24 Month CD
$0
3.00%
▲ 0.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.16% above avg
Details
Balance: $10,000 - $100,000+
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
400 E Park St, Butte, MT 59701 1916
24 Month Share Certificate (CD)
$0
3.00%
▲ 0.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 0.16% above avg
Details
Balance: $10,000 - $100,000+
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
24 Month Certificates
$0
2.79%
▼ 0.05% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.05% below avg
Details
Term: 24 Month Certificates; Balance: $10,000 - $24,999
Northwestern Energy Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.75%
2100 Harrison Ave, Butte, MT 59701 6004
I2 2-year Certificate
$0
2.77%
▼ 0.07% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 0.07% below avg
Details
Daily Balance/Semi-Annual Dividend, Posts to Shares
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
400 E Park St, Butte, MT 59701 1916
24 Month CD
$0
2.75%
▼ 0.09% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.09% below avg
Details
Balance: $0 - $10,000
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
400 E Park St, Butte, MT 59701 1916
24 Month Share Certificate (CD)
$0
2.75%
▼ 0.09% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.09% below avg
Details
Balance: $0 - $10,000
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
24 Month Certificates
$0
2.64%
▼ 0.20% below national avg
▼
Rate2.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.20% below avg
Details
Term: 24 Month Certificates; Balance: $500 - $9,999
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
IRA 24 Month Certificates
$0
2.64%
▼ 0.20% below national avg
▼
Rate2.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.20% below avg
Details
Term: IRA 24 Month Certificates; Balance: $500 - $9,999
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
430 Main St, Deer Lodge, MT 59722
2 Year Fixed
$100
2.52%
▼ 0.32% below national avg
▼
Rate2.50%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.32% below avg
Details
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
617 SE 4th St, Laurel, MT 59044 3307
24 Month Certificates of Deposit
$0
2.52%
▼ 0.32% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.32% below avg
Details
Balance: $10,000 and up
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 S Idaho St, Dillon, MT 59725
24 Month Certificates of Deposit
$500
2.50%
▼ 0.34% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.34% below avg
Details
All certificates can be added onto, $200 minimum add on.
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 S Idaho St, Dillon, MT 59725
24 month IRA
$0
2.50%
▼ 0.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.34% below avg
Details
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 S Idaho St, Dillon, MT 59725
IRA - 24 month
$0
2.50%
▼ 0.34% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.34% below avg
Details
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
11 West Main Street, Belgrade, MT 59714
24 Month Standard Certificates of Deposit
$1,000
2.44%
▼ 0.40% below national avg
▼
Rate2.43%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.40% below avg
Details
Interest Frequency: 6 Months; Early Withdrawal Penalty: 182 Days
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
11 West Main Street, Belgrade, MT 59714
IRA Certificate 24 Month
$500
2.44%
▼ 0.40% below national avg
▼
Rate2.43%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.40% below avg
Details
Interest Frequency: 6 Months; Early Withdrawal Penalty: 182 Days
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
430 Main St, Deer Lodge, MT 59722
2 1/2 Year Fixed CD
$100
2.37%
▼ 0.47% below national avg
▼
Rate2.35%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.47% below avg
Details
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
430 Main St, Deer Lodge, MT 59722
2 1/2 Year Variable CD
$100
2.37%
▼ 0.47% below national avg
▼
Rate2.35%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.47% below avg
Details
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
617 SE 4th St, Laurel, MT 59044 3307
24 Month Certificates of Deposit
$0
2.21%
▼ 0.63% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.63% below avg
Details
Balance: $5,000.00 - $9,999
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
617 SE 4th St, Laurel, MT 59044 3307
24 Month Certificates of Deposit
$0
2.01%
▼ 0.83% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.83% below avg
Details
Balance: $500.00 - $4,999
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
24 Month IRA Certificates
$0
1.81%
▼ 1.03% below national avg
▼
Rate1.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 1.03% below avg
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
24 Month Regular Certificates (Minimum Opening
$0
1.81%
▼ 1.03% below national avg
▼
Rate1.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 1.03% below avg
Details
Balance $10,000
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
Regular Certificates (Minimum Opening - 24 Months
$0
1.81%
▼ 1.03% below national avg
▼
Rate1.80%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 1.03% below avg
Details
Balance $50,000
Farmers State Bank Victor, MT
Institution Rating:
A4.8 ★Texas Ratio: 6.69%
103 Main St, Victor, MT 59875
2 Year Certificate
$1,000
1.76%
▼ 1.08% below national avg
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 1.08% below avg
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
24 Month Regular Certificates
$0
1.71%
▼ 1.13% below national avg
▼
Rate1.70%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 1.13% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
24 Month Business Certificate of Deposit (CD)
$0
1.46%
▼ 1.38% below national avg
▼
Rate1.45%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 1.38% below avg
Details
Montana 36 Month CD Rates
MonitorBankRates National Average · 36 Month CD2.76% APYUnchanged from last week
The national average 36-month CD rate is 2.76% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2330 S Reserve St, Missoula, MT 59801
36 Month Certificate
$1,000
4.12%
▲ 1.36% above national avg
▼
Rate4.05%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.36% above avg
Details
With .50% Bonus**; Balance: $100,000.00 or more
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT 59330
36 month CD
$1,000
3.75%
▲ 0.99% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details
ALL RATES ARE REVIEWED MONTHLY AND CAN BE CHANGED AT THE BOARDS DIRECTIVE.
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
3400 N Montana Ave, Helena, MT 59602
3 Years Certificate
$0
3.71%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.95% above avg
Details
Balance: $1,000 <; Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
3400 N Montana Ave, Helena, MT 59602
IRA Certificates (3 Years)
$0
3.71%
▲ 0.95% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.95% above avg
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
36 Month Certificates
$0
3.69%
▲ 0.93% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.93% above avg
Details
Term: 36 Month Certificates; Balance: $100,000+
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
IRA 36 Month Certificates
$0
3.69%
▲ 0.93% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.93% above avg
Details
Term: IRA 36 Month Certificates; Balance: $100,000+
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
915 Kessler St, Helena, MT 59601
36 Month - No Bump
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
915 Kessler St, Helena, MT 59601
36 Month Individual Retirement Certificates
$0
3.65%
▲ 0.89% above national avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details
Balance: $1,000 - $9,999.99
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2330 S Reserve St, Missoula, MT 59801
36 Month Certificate
$1,000
3.61%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.85% above avg
Details
Balance: $25,000.00 to $99,999.99
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2330 S Reserve St, Missoula, MT 59801
36 Month IRA
$500
3.61%
▲ 0.85% above national avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.85% above avg
Details
With .50% Bonus*; Balance: $25,000.00 to $99,999.99
Belt Valley Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.38%
111 Castner St, Belt, MT 59412
3 Year CD
$500
3.59%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.83% above avg
Details
Penalty for early withdrawal may apply.
Belt Valley Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.38%
111 Castner St, Belt, MT 59412
3 Year Certificate of Deposit
$500
3.59%
▲ 0.83% above national avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.83% above avg
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
36 Month Certificates
$0
3.49%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.73% above avg
Details
Term: 36 Month Certificates; Balance: $50,000 - $99,999
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
IRA 36 Month Certificates
$0
3.49%
▲ 0.73% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.73% above avg
Details
Term: IRA 36 Month Certificates; Balance: $50,000 - $99,999
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
1300 Baker Ave, Whitefish, MT 59937 2988
36-Month Share Certificate Step Up
$500
3.40%
▲ 0.64% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.64% above avg
Details
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2910 Prospect Ave, Helena, MT 59601 9726
36 Month Certificate
$0
3.35%
▲ 0.59% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.59% above avg
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
952 Central Ave, Billings, MT 59102 5845
3 Year Certificate
$0
3.30%
▲ 0.54% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.54% above avg
Details
Balance: $2000.00 minimum
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
36 Month Certificates
$0
3.14%
▲ 0.38% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.38% above avg
Details
Term: 36 Month Certificates; Balance: $25,000 - $49,999
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
IRA 36 Month Certificates
$0
3.14%
▲ 0.38% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.38% above avg
Details
Term: IRA 36 Month Certificates; Balance: $10,000 - $49,999
Lincoln County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
714 W 6th St, Libby, MT 59923
3 Year Share Certificates
$0
3.00%
▲ 0.24% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.24% above avg
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
36 Month Certificates
$0
2.79%
▲ 0.03% above national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.03% above avg
Details
Term: 36 Month Certificates; Balance: $10,000 - $24,999
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
36 Month Certificates
$0
2.64%
▼ 0.12% below national avg
▼
Rate2.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.12% below avg
Details
Term: 36 Month Certificates; Balance: $500 - $9,999
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
IRA 36 Month Certificates
$0
2.64%
▼ 0.12% below national avg
▼
Rate2.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.12% below avg
Details
Term: IRA 36 Month Certificates; Balance: $500 - $9,999
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
430 Main St, Deer Lodge, MT 59722
IRA 36 Month Fixed
$100
2.63%
▼ 0.13% below national avg
▼
Rate2.60%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.13% below avg
Details
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
430 Main St, Deer Lodge, MT 59722
IRA 36 Month Variable
$100
2.63%
▼ 0.13% below national avg
▼
Rate2.60%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.13% below avg
Details
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
11 West Main Street, Belgrade, MT 59714
36 Month Standard Certificates of Deposit
$1,000
2.50%
▼ 0.26% below national avg
▼
Rate2.48%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.26% below avg
Details
Interest Frequency: 6 Months; Early Withdrawal Penalty: 365 Days
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
11 West Main Street, Belgrade, MT 59714
IRA Certificate 36 Month
$500
2.49%
▼ 0.27% below national avg
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.27% below avg
Details
Interest Frequency: 6 Months; Early Withdrawal Penalty: 365 Days
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
430 Main St, Deer Lodge, MT 59722
3 Year Fixed CD
$100
2.12%
▼ 0.64% below national avg
▼
Rate2.10%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.64% below avg
Details
Farmers State Bank Victor, MT
Institution Rating:
A4.8 ★Texas Ratio: 6.69%
103 Main St, Victor, MT 59875
3 Year Certificate
$1,000
2.02%
▼ 0.74% below national avg
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.74% below avg
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
36 Month IRA Certificates
$0
1.97%
▼ 0.79% below national avg
▼
Rate1.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.79% below avg
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
36 Month Regular Certificates (Minimum Opening
$0
1.97%
▼ 0.79% below national avg
▼
Rate1.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.79% below avg
Details
Balance $10,000
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
Regular Certificates (Minimum Opening - 36 Months
$0
1.97%
▼ 0.79% below national avg
▼
Rate1.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.79% below avg
Details
Balance $50,000
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
36 Month Regular Certificates
$0
1.87%
▼ 0.89% below national avg
▼
Rate1.85%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.76%▼ 0.89% below avg
Details
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 S Idaho St, Dillon, MT 59725
36 Month Certificates of Deposit
$500
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
All certificates can be added onto, $200 minimum add on.
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 S Idaho St, Dillon, MT 59725
36 month IRA
$0
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 S Idaho St, Dillon, MT 59725
IRA - 36 month
$0
1.50%
▼ 1.26% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 1.26% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
36 Month Business Certificate of Deposit (CD)
$0
1.36%
▼ 1.40% below national avg
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 1.40% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
36 Month Certificate
$0
1.36%
▼ 1.40% below national avg
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 1.40% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
36 Month Business Certificate of Deposit (CD)
$0
1.31%
▼ 1.45% below national avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 1.45% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
36 Month Certificate of Deposit (CD)
$0
1.31%
▼ 1.45% below national avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 1.45% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
36 Month Business Certificate of Deposit (CD)
$0
1.26%
▼ 1.50% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 1.50% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
36 Month Certificate of Deposit (CD)
$0
1.26%
▼ 1.50% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.76%▼ 1.50% below avg
Details
The Family First Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 16.61%
2901 11th Ave s, Great Falls, MT 59405 5301
3 Year Share Certificate
$0
0.20%
▼ 2.56% below national avg
▼
Rate0.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.76%▼ 2.56% below avg
Details
Montana 48 Month CD Rates
MonitorBankRates National Average · 48 Month CD2.77% APY▼ 0.01% from last week
The national average 48-month CD rate is 2.77% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT 59330
48 month CD
$1,000
3.85%
▲ 1.08% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▲ 1.08% above avg
Details
ALL RATES ARE REVIEWED MONTHLY AND CAN BE CHANGED AT THE BOARDS DIRECTIVE.
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
3400 N Montana Ave, Helena, MT 59602
4 Years Certificate
$0
3.71%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.94% above avg
Details
Balance: $1,000 <; Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
3400 N Montana Ave, Helena, MT 59602
IRA Certificates (4 Years)
$0
3.71%
▲ 0.94% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.94% above avg
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
915 Kessler St, Helena, MT 59601
48 Month - One Bump
$0
3.70%
▲ 0.93% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.93% above avg
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2330 S Reserve St, Missoula, MT 59801
48 Month Certificate
$0
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
Balance: $1,000.00 to $24,999.99
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2330 S Reserve St, Missoula, MT 59801
48 Month IRA
$500
3.45%
▲ 0.68% above national avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.68% above avg
Details
Balance: $25,000.00 to $99,999.99
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2910 Prospect Ave, Helena, MT 59601 9726
48 Month Certificate
$0
3.35%
▲ 0.58% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.58% above avg
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
952 Central Ave, Billings, MT 59102 5845
4 Year Certificate
$0
3.30%
▲ 0.53% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▲ 0.53% above avg
Details
Balance: $2000.00 minimum
Lincoln County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
714 W 6th St, Libby, MT 59923
4 Year Share Certificates
$0
2.75%
▼ 0.02% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 0.02% below avg
Details
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
430 Main St, Deer Lodge, MT 59722
4 Year Fixed CD
$100
2.07%
▼ 0.70% below national avg
▼
Rate2.05%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.70% below avg
Details
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
430 Main St, Deer Lodge, MT 59722
4 Year Variable CD
$100
2.07%
▼ 0.70% below national avg
▼
Rate2.05%
Min Deposit$100
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.70% below avg
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
48 Month IRA Certificates
$0
2.07%
▼ 0.70% below national avg
▼
Rate2.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.70% below avg
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
48 Month Regular Certificates (Minimum Opening
$0
2.07%
▼ 0.70% below national avg
▼
Rate2.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.70% below avg
Details
Balance $10,000
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
Regular Certificates (Minimum Opening - 48 Months
$0
2.07%
▼ 0.70% below national avg
▼
Rate2.05%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.70% below avg
Details
Balance $50,000
First Security Bank of Deer Lodge
Institution Rating:
A5.0 ★Texas Ratio: 11.95%
311 Milwaukee Ave, Deer Lodge, MT 59722
48 Month Certificate of Deposit
$1,000
2.02%
▼ 0.75% below national avg
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 0.75% below avg
Details
Minimum: $1000 Minimum Balance to Open Account
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
48 Month Regular Certificates
$0
1.97%
▼ 0.80% below national avg
▼
Rate1.95%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.77%▼ 0.80% below avg
Details
Madison Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
213 E Main St, Ennis, MT 59729
48 Month Business Certificates of Deposit
$500
1.86%
▼ 0.91% below national avg
▼
Rate1.85%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.77%▼ 0.91% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
48 Month Business Certificate of Deposit (CD)
$0
1.26%
▼ 1.51% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.51% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
48 Month Certificate
$0
1.26%
▼ 1.51% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.51% below avg
Details
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 S Idaho St, Dillon, MT 59725
48 Month Certificates of Deposit
$500
1.25%
▼ 1.52% below national avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.52% below avg
Details
All certificates can be added onto, $200 minimum add on.
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 S Idaho St, Dillon, MT 59725
48 month IRA
$0
1.25%
▼ 1.52% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.52% below avg
Details
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
110 S Idaho St, Dillon, MT 59725
IRA - 48 month
$0
1.25%
▼ 1.52% below national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.77%▼ 1.52% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
48 Month Business Certificate of Deposit (CD)
$0
1.21%
▼ 1.56% below national avg
▼
Rate1.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.56% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
48 Month Certificate of Deposit (CD)
$0
1.21%
▼ 1.56% below national avg
▼
Rate1.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.56% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
48 Month Business Certificate of Deposit (CD)
$0
1.16%
▼ 1.61% below national avg
▼
Rate1.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.61% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
48 Month Certificate of Deposit (CD)
$0
1.16%
▼ 1.61% below national avg
▼
Rate1.15%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.77%▼ 1.61% below avg
Details
Montana 60 Month CD Rates
MonitorBankRates National Average · 60 Month CD2.84% APY▼ 0.01% from last week
The national average 60-month CD rate is 2.84% APY as of September 22, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.84%
875 Main St, Billings, MT 59105
60 Month Certificate
$0
4.25%
▲ 1.41% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▲ 1.41% above avg
Details
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT 59330
60 month CD
$1,000
4.00%
▲ 1.16% above national avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▲ 1.16% above avg
Details
ALL RATES ARE REVIEWED MONTHLY AND CAN BE CHANGED AT THE BOARDS DIRECTIVE.
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
3400 N Montana Ave, Helena, MT 59602
5 Years Certificate
$0
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.87% above avg
Details
Balance: $1,000 <; Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.38%
3400 N Montana Ave, Helena, MT 59602
IRA Certificates (5 Years)
$0
3.71%
▲ 0.87% above national avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.87% above avg
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
915 Kessler St, Helena, MT 59601
60 Month - One Bump
$0
3.70%
▲ 0.86% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.86% above avg
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
60 Month Certificates
$0
3.69%
▲ 0.85% above national avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.85% above avg
Details
Term: 60 Month Certificates; Balance: $100,000+
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
IRA 60 Month Certificates
$0
3.69%
▲ 0.85% above national avg
▼
Rate2.66%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.85% above avg
Details
Term: IRA 60 Month Certificates; Balance: $100,000+
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2330 S Reserve St, Missoula, MT 59801
60 Month Certificate
$1,000
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $25,000.00 to $99,999.99
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2330 S Reserve St, Missoula, MT 59801
60 Month IRA
$500
3.55%
▲ 0.71% above national avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.71% above avg
Details
Balance: $25,000.00 to $99,999.99
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
60 Month Certificates
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.65% above avg
Details
Term: 60 Month Certificates; Balance: $50,000 - $99,999
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
IRA 60 Month Certificates
$0
3.49%
▲ 0.65% above national avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.65% above avg
Details
Term: IRA 60 Month Certificates; Balance: $50,000 - $99,999
Belt Valley Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.38%
111 Castner St, Belt, MT 59412
5 Year CD
$500
3.44%
▲ 0.60% above national avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.60% above avg
Details
Penalty for early withdrawal may apply.
Belt Valley Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.38%
111 Castner St, Belt, MT 59412
5 Year Certificate of Deposit
$500
3.44%
▲ 0.60% above national avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▲ 0.60% above avg
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
952 Central Ave, Billings, MT 59102 5845
5 Year Certificate
$0
3.40%
▲ 0.56% above national avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.56% above avg
Details
Balance: $2000.00 minimum
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.88%
1300 Baker Ave, Whitefish, MT 59937 2988
60-Month Share Certificate Step Up
$500
3.40%
▲ 0.56% above national avg
▼
Rate3.35%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.56% above avg
Details
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.50%
2910 Prospect Ave, Helena, MT 59601 9726
60 Month Certificate
$0
3.35%
▲ 0.51% above national avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.51% above avg
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
60 Month Certificates
$0
3.14%
▲ 0.30% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.30% above avg
Details
Term: 60 Month Certificates; Balance: $25,000 - $49,999
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
IRA 60 Month Certificates
$0
3.14%
▲ 0.30% above national avg
▼
Rate3.10%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.30% above avg
Details
Term: IRA 60 Month Certificates; Balance: $10,000 - $49,999
Lincoln County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
714 W 6th St, Libby, MT 59923
5 Year Share Certificates
$0
3.00%
▲ 0.16% above national avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▲ 0.16% above avg
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
60 Month Certificates
$0
2.79%
▼ 0.05% below national avg
▼
Rate2.75%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.05% below avg
Details
Term: 60 Month Certificates; Balance: $10,000 - $24,999
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
60 Month Certificates
$0
2.64%
▼ 0.20% below national avg
▼
Rate2.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.20% below avg
Details
Term: 60 Month Certificates; Balance: $500 - $9,999
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
1111 24th St W, Billings, MT 59102 3809
IRA 60 Month Certificates
$0
2.64%
▼ 0.20% below national avg
▼
Rate2.61%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 18, 2026
National Average2.84%▼ 0.20% below avg
Details
Term: IRA 60 Month Certificates; Balance: $500 - $9,999
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
11 West Main Street, Belgrade, MT 59714
60 Month Standard Certificates of Deposit
$1,000
2.52%
▼ 0.32% below national avg
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.32% below avg
Details
Interest Frequency: 6 Months; Early Withdrawal Penalty: 365 Days
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
11 West Main Street, Belgrade, MT 59714
IRA Certificate 60 Month
$500
2.52%
▼ 0.32% below national avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.32% below avg
Details
Interest Frequency: 6 Months; Early Withdrawal Penalty: 365 Days
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
60 Month IRA Certificates
$0
2.32%
▼ 0.52% below national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.52% below avg
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
60 Month Regular Certificates (Minimum Opening
$0
2.32%
▼ 0.52% below national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.52% below avg
Details
Balance $10,000
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
Regular Certificates (Minimum Opening - 60 Months
$0
2.32%
▼ 0.52% below national avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.52% below avg
Details
Balance $50,000
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.94%
6200 3rd Ave N, Great Falls, MT 59405 1528
60 Month Regular Certificates
$0
2.22%
▼ 0.62% below national avg
▼
Rate2.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 20, 2026
National Average2.84%▼ 0.62% below avg
Details
Farmers State Bank Victor, MT
Institution Rating:
A4.8 ★Texas Ratio: 6.69%
103 Main St, Victor, MT 59875
5 Year Certificate
$1,000
2.02%
▼ 0.82% below national avg
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedSep 19, 2026
National Average2.84%▼ 0.82% below avg
Details
Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
501 N 1st St, Hamilton, MT 59840 2129
60 Month Certificate
$0
1.51%
▼ 1.33% below national avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 21, 2026
National Average2.84%▼ 1.33% below avg
Details
Rates are subject to change at any time.
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
60 Month Business Certificate of Deposit (CD)
$0
1.31%
▼ 1.53% below national avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 1.53% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
60 Month Certificate
$0
1.31%
▼ 1.53% below national avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 1.53% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
60 Month Business Certificate of Deposit (CD)
$0
1.26%
▼ 1.58% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 1.58% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
60 Month Certificate of Deposit (CD)
$0
1.26%
▼ 1.58% below national avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 1.58% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
60 Month Business Certificate of Deposit (CD)
$0
1.21%
▼ 1.63% below national avg
▼
Rate1.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 1.63% below avg
Details
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
125 N Public Sq, Browning, MT 59417
60 Month Certificate of Deposit (CD)
$0
1.21%
▼ 1.63% below national avg
▼
Rate1.20%
Min Deposit$0
Min Balance—
Verified and UpdatedSep 14, 2026
National Average2.84%▼ 1.63% below avg
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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Montana CD Rate Trends
Compare local Montana CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
12-Month CD MT Avg
2.952%
▲ 0.030 vs 7 days ago
Montana 12-month CD rates rose 0.030 points over the past 7 days to 2.952% APY.
6-Month CD MT Avg
2.767%
▲ 0.021 vs 7 days ago
Montana 6-month CD rates rose 0.021 points over the past 7 days to 2.767% APY.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
MT CD Rate Forecast, Next 12 Months
Where are Montana CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MT 12-Month Avg APY
2.952%
6-Month Forecast
2.952%
Range: 2.75% – 3.10%
12-Month Forecast
3.202%
Range: 3.00% – 3.35%
Powered by
MonitorBankRates
What Your Savings Earn at MT CD Rates Today
Annual interest earnings at today’s Montana average APYs. State average used where available; national average as fallback.
| CD Term | MT Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 2.065% | $103.23 | $206.46 | $516.15 | $1,032.30 |
| 6-Month CD | 2.767% | $138.33 | $276.65 | $691.63 | $1,383.25 |
| 12-Month CD | 2.952% | $147.58 | $295.15 | $737.88 | $1,475.75 |
| 18-Month CD | 2.818% | $140.91 | $281.82 | $704.55 | $1,409.10 |
| 24-Month CD | 2.841% | $142.07 | $284.14 | $710.35 | $1,420.70 |
| 36-Month CD | 2.765% | $138.25 | $276.49 | $691.23 | $1,382.45 |
| 48-Month CD | 2.770% | $138.48 | $276.97 | $692.43 | $1,384.85 |
| 60-Month CD | 2.844% | $142.22 | $284.44 | $711.10 | $1,422.20 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 21, 2026. | |||||
Sample CD Ladder for Montana Savers
$25,000 split equally across 5 terms using today’s Montana average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MT Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 2.065% | $103.23 |
| 2 | 6-Month CD | $5,000 | 2.767% | $138.33 |
| 3 | 12-Month CD | $5,000 | 2.952% | $147.58 |
| 4 | 24-Month CD | $5,000 | 2.841% | $142.07 |
| 5 | 36-Month CD | $5,000 | 2.765% | $138.25 |
| Total ($25,000 invested) | $25,000 | 2.678% blended | $669.46/yr | |
Ladder example uses equal $5,000 rungs and Montana average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
339
CD Rates
Tracked in Montana
Tracked in Montana
10 Banks
20 Credit Unions
About Our Montana CD Rate Database
MonitorBankRates tracks 339 CD rates from 10 banks and 20 credit unions with locations in Montana, plus national online institutions available to Montana residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Horizon Credit Union offers a CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Montana.
How to Find the Best CD Rates in Montana
What to compare when shopping for a CD in Montana
To find the best APYs in Montana, start with credit unions and online-only banks: Montana has 20 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Montana
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Montana: 30 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Montana savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Montana money market rates
Montana Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
20.1%
National avg: 17.3%
Median Individual Earnings
$40,712
National avg: $47,340
Poverty Rate
11.5%
National avg: 11.1%
Unemployment Rate
3.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$120/yr
At MT 12-mo avg 2.952% APY
20.1% of residents are 65 or older, above the national average of 17.3%, making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 3.6% reflects a strong local economy. At today’s MT 12-month CD average of 2.952%, saving 10% of the local median salary ($4,071/year) and putting it in a CD would earn an additional $120 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Montana
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Montana
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Montana typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Montana as everywhere in the U.S.
Choosing a CD Term in Montana
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Montana savers easier access to their funds. For example, Valley Financial Credit Union is offering its 6 Month Certificate at 3.97% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Mountain America Federal Credit Union is offering its 60 Month Certificate at 4.25% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Montana Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Montana saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Montana
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Montana CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Montana
Most CDs carry a fixed rate that is locked for the entire term, protecting a Montana depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Montana
Are CD rates in Montana FDIC insured?
Yes, most established banks in Montana are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Montana?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Montana.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Montana may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Montana?
Here are recent top rates found for this area:
- Horizon Credit Union: 5.00% APY (18-Month Certificate)
- Lincoln County Credit Union: 4.50% APY (12 Month Share Certificates)
- Park Side Financial Credit Union: 4.40% APY (1-Year Youth Certificate)
- Mountain America Federal Credit Union: 4.25% APY (24 Month Certificate)
- Daniels-Sheridan Federal Credit Union: 4.08% APY (1-Year Share Certificate)
- Glendive BN Federal Credit Union: 4.00% APY (60 month CD)
- Valley Financial Credit Union: 3.97% APY (12 Month Certificate)
- St Pats Employees Federal Credit Union: 3.87% APY (1 Year Term Share Certificates)
- Altana Federal Credit Union: 3.79% APY (12 Month Certificates)
- The Bank of Commerce: 3.75% APY (180 Day Certificates of Deposit)
Rates reflect recent verified offers available in Montana. Last Updated: September 21, 2026
Montana CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Montana rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Montana
Montana CD Calculator
At today’s MT top rate of 5.00% APY, a $10,000 deposit earns $500 in the first year. Enter your amount to see your exact return.
Montana CD LadderMT CD rates currently range from 2.065% (3-month) to 2.765% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Montana CD at 5.00% APY, know your exit cost. Most institutions charge 90–180 days of interest. Calculate your real net return if you need early access.
CD vs. High-Yield SavingsMontana’s average 12-month CD is 2.952% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Montana CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Montana directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Montana. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MT.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: September 21, 2026
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