MonitorBankRates
iAdvertiser Disclosure
Advertiser Disclosure Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.

CD Rates Boyd, Montana (MT) for April 2026

Current Boyd, Montana CD rates include Park Side Financial Credit UnionPark Side Financial Credit UnionA+5.0 ★Texas Ratio: 1.87% offering 1-Year Youth Certificate at 4.40% APY, Mountain America Federal Credit UnionMountain America Federal Credit UnionA5.0 ★Texas Ratio: 11.38% offering Youth certificate 60-month youth certificate at 4.09% APY, Ravalli County Federal Credit UnionRavalli County Federal Credit UnionA+5.0 ★Texas Ratio: 0.44% offering 3 Month Youth Certificate at 4.06% APY, Sky Federal Credit UnionSky Federal Credit UnionB4.6 ★Texas Ratio: 20.02% offering 12 Month Term Certificate at 4.00% APY, and Unity Bank Augusta, WIUnity Bank Augusta, WIB-4.3 ★Texas Ratio: 23.34% offering 18 Month CD at 3.80% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.

Boyd is a smaller community with no bank or credit union branches currently in our database. 95 institutions serving the Montana area are available to Boyd residents, with CD rates as high as 4.40% APY from Park Side Financial Credit Union. Rates are continually updated — 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: April 5, 2026

Compare Best CD Rates in Boyd, Montana & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
3 Month Youth Certificate
$0
4.06%
Rate4.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Available to members who are 18 years old or younger.

Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
3 Month (Special) Share Certificates
$0
3.80%
Rate3.75%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3-Month Share Certificate
$0
3.65%
Rate3.59%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
90 Day Time CD
$100
3.31%
Rate3.25%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

First Federal Bank & Trust
Institution Rating:
B+4.8 ★Texas Ratio: 16.90%
3 Month CD
$250,000
3.10%
Rate
Min Deposit$250,000
Min Balance
UpdatedApr 5, 2026
Details

Pioneer Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
90 Day Certificate
$0
3.09%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
3 Month Standard Certificates of Deposit
$5,000
1.84%
Rate1.83%
Min Deposit$5,000
Min Balance
UpdatedApr 5, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
3 Month Term Certificate
$0
1.75%
Rate1.73%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
6 Month Share Certificates
$2,000
3.80%
Rate3.76%
Min Deposit$2,000
Min Balance
UpdatedApr 5, 2026
Details

Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
6 Month Certificate
$0
3.79%
Rate3.75%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
6 Month Certificates
$100,000
3.69%
Rate3.63%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

Summit National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
6 Month CD
$0
3.64%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Jumbo 6-Month Share Certificate
$0
3.60%
Rate3.54%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6 Month Certificate
$0
3.56%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
6 Month (Special) Share Certificates
$0
3.55%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
6 month Share Certificates
$0
3.50%
Rate3.44%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Pioneer Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
6 Month Certificate
$0
3.22%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
6 Month CD
$100
3.05%
Rate3.00%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
6 Month Standard Certificates of Deposit
$1,000
2.25%
Rate2.23%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
6 Month Term Certificate
$0
2.00%
Rate1.98%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

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: 1.87%
1-Year Youth Certificate
$0
4.40%
Rate4.31%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
12 Month Term Certificate
$0
4.00%
Rate3.93%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1 Year Share Certificates
$2,000
3.80%
Rate3.80%
Min Deposit$2,000
Min Balance
UpdatedApr 5, 2026
Details

Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
12 Month Certificates
$500
3.69%
Rate3.63%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
12 Month IRA
$500
3.66%
Rate3.60%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

$500.00 Minimum Opening Deposit; With .25% Bonus*

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Large Depositor Special 12 Month
$250,000
3.65%
Rate3.60%
Min Deposit$250,000
Min Balance
UpdatedApr 5, 2026
Details

Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12 Month Certificate
$0
3.56%
Rate3.50%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Belt Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1 Year CD
$500
3.55%
Rate3.50%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Penalty for early withdrawal may apply.

Pioneer Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
1 Year Certificate
$0
3.35%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Certificates of Deposit 12 month
$500
3.25%
Rate
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

$500 minimum to open; All certificates can be added onto, $200 minimum add on.

Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
12 Month Certificate
$0
3.03%
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1 Year CD
$100
2.98%
Rate2.95%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
12 Month Certificate of Deposit
$1,000
2.94%
Rate2.90%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
12 Month IRA Share Certificates
$0
2.78%
Rate2.75%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

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: 11.38%
Standard certificate 18-month certificate
$0
3.90%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Unity Bank Augusta, WI
Institution Rating:
B-4.3 ★Texas Ratio: 23.34%
18 Month CD
$2,500
3.80%
Rate
Min Deposit$2,500
Min Balance
UpdatedApr 5, 2026
Details

Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
18 Month Certificates
$100,000
3.69%
Rate3.63%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
18 Month Certificate
$0
3.51%
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Jumbo 18-Month Share Certificate
$0
3.40%
Rate3.35%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 month Share Certificates
$0
3.25%
Rate3.20%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Belt Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
18 Month CD
$500
3.15%
Rate3.11%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Penalty for early withdrawal may apply.

Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
IRA 18 Month Fixed
$100
3.03%
Rate3.00%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month IRA Share Certificates
$0
2.78%
Rate2.75%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
18 Month Certificate
$0
2.52%
Rate2.50%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 month IRA
$0
2.50%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
18 Month Standard Certificates of Deposit
$5,000
2.41%
Rate2.39%
Min Deposit$5,000
Min Balance
UpdatedApr 5, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
18 Month Term Certificate
$0
2.25%
Rate2.22%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
18 month multiple deposit IRA Certificates
$100
1.65%
Rate1.65%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
18 Month Certificate of Deposit
$1,000
1.27%
Rate1.25%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Unity Bank Augusta, WI
Institution Rating:
B-4.3 ★Texas Ratio: 23.34%
IRA 24 Month CD
$0
3.70%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
24 Month Certificates
$100,000
3.69%
Rate3.63%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
24 Month Certificate
$500
3.45%
Rate
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Limited time special!

Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
24-Month Share Certificate
$0
3.40%
Rate3.35%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
24 Month IRA
$500
3.25%
Rate3.20%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

$500.00 Minimum Opening Deposit

Belt Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2 Year CD
$500
3.23%
Rate3.19%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Penalty for early withdrawal may apply.

Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
24 Month IRA Share Certificates
$0
3.03%
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
24 month Share Certificates
$0
3.00%
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Pioneer Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
1-1/2 Year Certificate
$0
2.57%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
24 Month Standard Certificates of Deposit
$1,000
2.44%
Rate2.43%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
2 1/2 Year Fixed CD
$100
2.27%
Rate2.25%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
24 month IRA
$0
2.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
2 Year Certificate of Deposit
$1,000
1.76%
Rate1.75%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
24 Month Term Certificate
$0
1.75%
Rate1.73%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
36 Month Certificates
$100,000
3.69%
Rate3.63%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
3 Year Share Certificates
$2,000
3.60%
Rate3.73%
Min Deposit$2,000
Min Balance
UpdatedApr 5, 2026
Details

Belt Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
3 Year CD
$500
3.59%
Rate3.54%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Penalty for early withdrawal may apply.

Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
36-Month Share Certificate Step Up
$0
3.40%
Rate3.35%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
Share Certificate 36 Month - No Bump
$0
3.30%
Rate3.26%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
36 Month Certificate
$0
3.25%
Rate3.20%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
36 Month IRA
$500
3.19%
Rate3.15%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

$500.00 Minimum Opening Deposit

Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
36 month Share Certificates
$0
2.75%
Rate2.72%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
IRA 36 Month Fixed
$100
2.52%
Rate2.50%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
36 Month Standard Certificates of Deposit
$1,000
2.49%
Rate2.47%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
3 Year Certificate of Deposit
$1,000
2.02%
Rate2.00%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
36 Month Term Certificate
$0
1.75%
Rate1.73%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
36 month IRA
$0
1.25%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
4 Year Share Certificates
$2,000
3.50%
Rate3.68%
Min Deposit$2,000
Min Balance
UpdatedApr 5, 2026
Details

Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
Share Certificate 48 Month - No Bump
$0
3.30%
Rate3.26%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
48 Month Certificate
$0
3.14%
Rate3.10%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
48 month Share Certificates
$0
2.50%
Rate2.47%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
4 Year Fixed CD
$100
1.91%
Rate1.90%
Min Deposit$100
Min Balance
UpdatedApr 5, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
48 Month Term Certificate
$0
1.75%
Rate1.73%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
48 month IRA
$0
1.00%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

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: 11.38%
Youth certificate 60-month youth certificate
$0
4.09%
Rate
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
60 Month Certificates
$100,000
3.69%
Rate3.63%
Min Deposit$100,000
Min Balance
UpdatedApr 5, 2026
Details

Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
5 Year Share Certificates
$2,000
3.50%
Rate3.75%
Min Deposit$2,000
Min Balance
UpdatedApr 5, 2026
Details

Belt Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
5 Year CD
$500
3.44%
Rate3.39%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

Penalty for early withdrawal may apply.

Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
60-Month Share Certificate Step Up
$0
3.40%
Rate3.35%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
60 Month IRA
$500
3.35%
Rate3.30%
Min Deposit$500
Min Balance
UpdatedApr 5, 2026
Details

$500.00 Minimum Opening Deposit

Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
Share Certificate 60 Month - No Bump
$0
3.30%
Rate3.26%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
60 Month Certificate
$0
3.14%
Rate3.10%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
60 Month Standard Certificates of Deposit
$1,000
2.52%
Rate2.50%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
5 Year Certificate of Deposit
$1,000
2.02%
Rate2.00%
Min Deposit$1,000
Min Balance
UpdatedApr 5, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
60 Month Term Certificate
$0
1.75%
Rate1.73%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
60 Month Certificate
$0
1.51%
Rate1.50%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

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.

Boyd, MT CD Rate Trends

Compare local Boyd, MT 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.

View Full Montana CD Trends →
12-Month CD — MT Avg
3.019%
▼ 0.072 vs 7 days ago

Montana 12-month CD rates fell 0.072 points over the past 7 days to 3.019% APY.

6-Month CD — MT Avg
2.938%
▼ 0.204 vs 7 days ago

Montana 6-month CD rates fell 0.204 points over the past 7 days to 2.938% APY.

As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about CD Rates in Boyd, Montana

Are CD rates in Boyd, Montana FDIC insured?

Yes, most established banks in Boyd, 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 Boyd, 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 Boyd, 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 Boyd, 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 Boyd, Montana?

Here are recent top rates found for this area:
  • Park Side Financial Credit Union: 4.40% APY (1-Year Youth Certificate)
  • Mountain America Federal Credit Union: 4.09% APY (Youth certificate 60-month youth certificate)
  • Ravalli County Federal Credit Union: 4.06% APY (3 Month Youth Certificate)
  • Sky Federal Credit Union: 4.00% APY (12 Month Term Certificate)
  • Unity Bank Augusta, WI : 3.80% APY (18 Month CD)
  • Rimrock Credit Union: 3.80% APY (6 Month Share Certificates)
  • Mile High Federal Credit Union: 3.80% APY (3 Month (Special) Share Certificates)
  • Altana Federal Credit Union: 3.69% APY (60 Month Certificates)
  • Horizon Credit Union: 3.66% APY (12 Month IRA)
  • Flanagan State Bank: 3.65% APY (Large Depositor Special 12 Month)
Rates reflect recent verified offers available in Boyd, Montana. Last Updated: April 5, 2026

Methodology & Data Sources

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Boyd, 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 pulling data straight 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 Boyd, 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: April 5, 2026