Current Bozeman, Montana CD rates include Sky Federal Credit UnionSky Federal Credit Union777 E Main St Ste 102, Bozeman, MT 59715B4.6 ★Texas Ratio: 20.02% offering 12 Month Term Certificate at 4.00% APY, Horizon Credit UnionHorizon Credit Union1400 N 19th Ave Ste A, Bozeman, MT 59718 3758A+5.0 ★Texas Ratio: 1.53% offering 12 Month IRA at 3.66% APY, Valley Financial Credit UnionValley Financial Credit Union1707 Oak St Ste A, Bozeman, MT 59715 2125A+5.0 ★Texas Ratio: 2.09% offering 6 Month Certificate at 3.56% APY, Intrepid Credit UnionIntrepid Credit Union424 E Main St Ste 102B, Bozeman, MT 59715 4756A+5.0 ★Texas Ratio: 1.35% offering Share Certificate 36 Month - No Bump at 3.30% APY, and Madison Valley BankMadison Valley Bank200 S 23rd Ave, Bozeman, MT 59718A+5.0 ★Texas Ratio: 5.13% offering 18 month multiple deposit IRA Certificates at 1.65% APY. CD rates as of April 6, 2026 according to verified data from MonitorBankRates.
Bozeman has 23 local institutions in our database, with CD rates as high as 4.00% APY from Sky Federal Credit Union at 777 E Main St Ste 102, Bozeman, MT 59715. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Montana area. 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 6, 2026
Available to members who are 18 years old or younger.
$500.00 Minimum Opening Deposit; With .25% Bonus*
Penalty for early withdrawal may apply.
Penalty for early withdrawal may apply.
Limited time special!
$500.00 Minimum Opening Deposit
Penalty for early withdrawal may apply.
$500.00 Minimum Opening Deposit
Penalty for early withdrawal may apply.
$500.00 Minimum Opening Deposit
Penalty for early withdrawal may apply.
Compare local Bozeman, 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.
Montana 12-month CD rates rose 0.017 points over the past 7 days to 3.109% APY.
Montana 6-month CD rates fell 0.198 points over the past 7 days to 2.945% APY.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Bozeman, 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 Bozeman, 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.