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 Rate Trends

Great Falls, Montana Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • 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.
Read Full Bio
| iEditorial Disclosure
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.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 14, 2026

Great Falls, Montana CD rates range from 0.05% to 4.50% APY, verified by MonitorBankRates as of October 14, 2026. Current Great Falls, Montana CD rates include Horizon Credit UnionHorizon Credit Union1915 10th Ave S, Great Falls, MT 59405A+5.0 ★Texas Ratio: 1.61%Real return: +1.58%APY minus CPI (February 2026) offering 12 Month IRA at 4.38% APY, Billings Federal Credit UnionBillings Federal Credit Union501 Park Dr S, Great Falls, MT 59405 1879A+5.0 ★Texas Ratio: 5.23%Real return: +1.10%APY minus CPI (February 2026) offering 18 Month Share Certificates - All Individual Retirement Accounts - (IRAs) at 3.90% APY, Montana Federal Credit UnionMontana Federal Credit Union15 14th St S, Great Falls, MT 59401 3800A+5.0 ★Texas Ratio: 1.38%Real return: +0.70%APY minus CPI (February 2026) offering 12 Month Share Certificate at 3.50% APY, 1st Liberty Federal Credit Union1st Liberty Federal Credit Union6200 3rd Ave N, Great Falls, MT 59405 1528A+5.0 ★Texas Ratio: 0.83%Real return: -0.48%APY minus CPI (February 2026) offering 60 Month Regular Certificates at 2.32% APY, and Wells FargoWells Fargo1400 3rd St Nw, Great Falls, MT 59404A+5.0 ★Texas Ratio: 5.36%Real return: -1.29%APY minus CPI (February 2026) offering 1 year Standard Fixed Rate at 1.51% APY. CD rates as of October 14, 2026 according to verified data from MonitorBankRates.

Great Falls has 89 local institutions in our database, with CD rates as high as 4.38% APY from Horizon Credit Union at 1915 10th Ave S, Great Falls, MT 59405. 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, 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: October 14, 2026

Compare Best CD Rates in Great Falls, Montana & the Surrounding Area

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Great Falls 3 Month CD Rates

Montana 3 Month CD Average2.39% APYNational 2.09%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1915 10th Ave S, Great Falls, MT 59405
Certificates - 90 Day
$2,500
3.40% ▲ 1.01% above Montana avg
View
▼
Rate3.40%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average2.39%▲ 1.01% above avgNationally 2.09%
Details

Balance: $2,500 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.40% APY
2.90%3.40%3.90%Oct 13, 2026: 3.40% APYOct 13, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1400 3rd St Nw, Great Falls, MT 59404
3 month Standard Fixed Rate
$2,500
0.06% ▼ 2.33% below Montana avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average2.39%▼ 2.33% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1400 3rd St Nw, Great Falls, MT 59404
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.33% below Montana avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average2.39%▼ 2.33% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1400 3rd St Nw, Great Falls, MT 59404
3 month Standard Fixed Rate
$2,500
0.05% ▼ 2.34% below Montana avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average2.39%▼ 2.34% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
3-Month Certificate
$100
4.00% ▲ 1.61% above Montana avg
View
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.39%▲ 1.61% above avgNationally 2.09%
Details

Balance: $100.00 to $499.99; Requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (ages 13 to 18)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 14, 2026
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month (Special) Share Certificate
$1,000
3.80% ▲ 1.41% above Montana avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.39%▲ 1.41% above avgNationally 2.09%
Details

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 14, 2026
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
3-Month Share Certificate
$500
3.75% ▲ 1.36% above Montana avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.39%▲ 1.36% above avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.75%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
3 Month Youth Certificate
$0
3.53% ▲ 1.14% above Montana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average2.39%▲ 1.14% above avgNationally 2.09%
Details

Available to members who are 18 years old or younger; APY* = Annual Percentage Yield

Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 7 times
3.03%3.53%4.03%Sep 14, 2026: 3.53% APYSep 14, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
90 Day Share Certificate
$0
3.50% ▲ 1.11% above Montana avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.39%▲ 1.11% above avgNationally 2.09%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Share Certificate - 90 Days
$0
3.50% ▲ 1.11% above Montana avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.39%▲ 1.11% above avgNationally 2.09%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
Regular Certificates - 90 Day
$0
3.45% ▲ 1.06% above Montana avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.39%▲ 1.06% above avgNationally 2.09%
Details

Balance: $1,000 and over; Dividends compounded and credited monthly

Rate History
No change since Oct 14, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 14, 2026: 3.45% APYOct 14, 2026Oct 14, 2026
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
90 Day Time CD
$100
3.40% ▲ 1.01% above Montana avg
View
▼
Rate3.35%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average2.39%▲ 1.01% above avgNationally 2.09%
Details

Rate History
1 change since Sep 11, 2026 · 3.31% → 3.40% ▲ 0.09 pts · high 3.40% / low 3.31%
2.81%3.36%3.90%Sep 11, 2026: 3.31% APYSep 19, 2026: 3.40% APYSep 11, 2026Oct 14, 2026
  • Sep 19, 20263.40%▲ from 3.31%
  • Sep 11, 20263.31%first recorded
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
90 Day Certificate of Deposit
$500
3.00% ▲ 0.61% above Montana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average2.39%▲ 0.61% above avgNationally 2.09%
Details

All certificates can be added onto, $200 minimum add on.

Rate History
No change since Oct 7, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 7, 2026: 3.00% APYOct 7, 2026Oct 14, 2026
First Federal Bank & Trust
Institution Rating:
B-4.2 ★Texas Ratio: 24.13%
3 Month CD
$0
3.00% ▲ 0.61% above Montana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average2.39%▲ 0.61% above avgNationally 2.09%
Details

Balance: $0 - $249,999

Rate History
No change since Sep 27, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 27, 2026: 3.00% APYSep 27, 2026Oct 14, 2026
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
3 Month Standard Certificates of Deposit
$5,000
1.84% ▼ 0.55% below Montana avg
View
▼
Rate1.83%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average2.39%▼ 0.55% below avgNationally 2.09%
Details

Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days

Rate History
No change since Sep 19, 2026 · 1.84% APY · checked 7 times
1.34%1.84%2.34%Sep 19, 2026: 1.84% APYSep 19, 2026Oct 14, 2026
Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Term Certificates - 3 Month
$0
1.75% ▼ 0.64% below Montana avg
View
▼
Rate1.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.39%▼ 0.64% below avgNationally 2.09%
Details

Balance: $50,000+

Rate History
No change since Sep 25, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Sep 25, 2026: 1.75% APYSep 25, 2026Oct 14, 2026
Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Term Certificates - 3 Month
$0
1.50% ▼ 0.89% below Montana avg
View
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.39%▼ 0.89% below avgNationally 2.09%
Details

Balance: $25,000 - $49,999

Rate History
No change since Sep 25, 2026 · 1.50% APY · checked 4 times
1.00%1.50%2.00%Sep 25, 2026: 1.50% APYSep 25, 2026Oct 14, 2026
Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Term Certificates - 3 Month
$0
1.25% ▼ 1.14% below Montana avg
View
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.39%▼ 1.14% below avgNationally 2.09%
Details

Balance: $10,000 - $24,999

Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Sep 25, 2026: 1.25% APYSep 25, 2026Oct 14, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
Share Certificate of Deposit - 3 Months
$500
1.00% ▼ 1.39% below Montana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.39%▼ 1.39% below avgNationally 2.09%
Details

Rate History
1 change since Sep 25, 2026 · 0.30% → 1.00% ▲ 0.70 pts · high 1.00% / low 0.30%
0.00%0.85%1.70%Sep 25, 2026: 0.30% APYOct 4, 2026: 1.00% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20261.00%▲ from 0.30%
  • Sep 25, 20260.30%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Business Certificate of Deposit (CD)
$0
0.85% ▼ 1.54% below Montana avg
View
▼
Rate0.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.39%▼ 1.54% below avgNationally 2.09%
Details

Rate History
1 change since Sep 14, 2026 · 0.60% → 0.85% ▲ 0.25 pts · high 0.85% / low 0.60%
0.10%0.73%1.35%Sep 14, 2026: 0.60% APYSep 28, 2026: 0.85% APYSep 14, 2026Oct 14, 2026
  • Sep 28, 20260.85%▲ from 0.60%
  • Sep 14, 20260.60%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month CD
$100,000
0.85% ▼ 1.54% below Montana avg
View
▼
Rate0.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.39%▼ 1.54% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.85% APY · checked 2 times
0.35%0.85%1.35%Oct 8, 2026: 0.85% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
3 Month Certificate
$0
0.80% ▼ 1.59% below Montana avg
View
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.39%▼ 1.59% below avgNationally 2.09%
Details

Rate History
2 changes since Sep 14, 2026 · 0.60% → 0.80% ▲ 0.20 pts · high 0.85% / low 0.60%
0.10%0.73%1.35%Sep 14, 2026: 0.60% APYSep 24, 2026: 0.85% APYOct 8, 2026: 0.80% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20260.80%▼ from 0.85%
  • Sep 24, 20260.85%▲ from 0.60%
  • Sep 14, 20260.60%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Business Certificate of Deposit (CD) - 3 Months
$0
0.80% ▼ 1.59% below Montana avg
View
▼
Rate0.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.39%▼ 1.59% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.80% APY · checked 2 times
0.30%0.80%1.30%Oct 8, 2026: 0.80% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Business Certificate of Deposit (CD) - 3 Months
$0
0.75% ▼ 1.64% below Montana avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.39%▼ 1.64% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 8, 2026: 0.75% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit (CD) - 3 Months
$0
0.75% ▼ 1.64% below Montana avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.39%▼ 1.64% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 8, 2026: 0.75% APYOct 8, 2026Oct 14, 2026
Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Term Certificates - 3 Month
$0
0.75% ▼ 1.64% below Montana avg
View
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.39%▼ 1.64% below avgNationally 2.09%
Details

Balance: $500 - $9,999

Rate History
No change since Sep 25, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Sep 25, 2026: 0.75% APYSep 25, 2026Oct 14, 2026

Great Falls 6 Month CD Rates

Montana 6 Month CD Average3.11% APYNational 2.77%▼ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
6 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$100,000
3.80% ▲ 0.69% above Montana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▲ 0.69% above avgNationally 2.77%
Details

Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
6 Month Share Certificates - Regular
$100,000
3.80% ▲ 0.69% above Montana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▲ 0.69% above avgNationally 2.77%
Details

Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
6 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$50,000
3.65% ▲ 0.54% above Montana avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▲ 0.54% above avgNationally 2.77%
Details

Rate History
No change since Oct 4, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 4, 2026: 3.65% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
6 Month Share Certificates - Regular
$50,000
3.65% ▲ 0.54% above Montana avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▲ 0.54% above avgNationally 2.77%
Details

Rate History
No change since Oct 4, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 4, 2026: 3.65% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
6 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$10,000
3.60% ▲ 0.49% above Montana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▲ 0.49% above avgNationally 2.77%
Details

Rate History
No change since Oct 4, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 4, 2026: 3.60% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
6 Month Share Certificates - Regular
$10,000
3.60% ▲ 0.49% above Montana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▲ 0.49% above avgNationally 2.77%
Details

Rate History
No change since Oct 4, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 4, 2026: 3.60% APYOct 4, 2026Oct 14, 2026
Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
15 14th St S, Great Falls, MT 59401 3800
6 Month Share Certificate
$1,000
3.50% ▲ 0.39% above Montana avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▲ 0.39% above avgNationally 2.77%
Details

Rates and terms are valid for both share certificates and IRA share certificates. Early withdrawal penalties apply. Fees may reduce earnings. Other rates and terms available.

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
6 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$2,500
3.40% ▲ 0.29% above Montana avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▲ 0.29% above avgNationally 2.77%
Details

Rate History
No change since Oct 4, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 4, 2026: 3.40% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
6 Month Share Certificates - Regular
$2,500
3.40% ▲ 0.29% above Montana avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▲ 0.29% above avgNationally 2.77%
Details

Rate History
No change since Oct 4, 2026 · 3.40% APY · checked 2 times
2.90%3.40%3.90%Oct 4, 2026: 3.40% APYOct 4, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1915 10th Ave S, Great Falls, MT 59405
Certificates - 6 Month
$2,500
3.30% ▲ 0.19% above Montana avg
View
▼
Rate3.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.11%▲ 0.19% above avgNationally 2.77%
Details

Balance: $2,500 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.30% APY
2.80%3.30%3.80%Oct 13, 2026: 3.30% APYOct 13, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
6 Month Share Certificates - Cubby or Student Members
$100
2.50% ▼ 0.61% below Montana avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▼ 0.61% below avgNationally 2.77%
Details

Cubby or Student Members

Rate History
No change since Oct 4, 2026 · 2.50% APY · checked 2 times
2.00%2.50%3.00%Oct 4, 2026: 2.50% APYOct 4, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1400 3rd St Nw, Great Falls, MT 59404
6 month Standard Fixed Rate
$2,500
0.06% ▼ 3.05% below Montana avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average3.11%▼ 3.05% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1400 3rd St Nw, Great Falls, MT 59404
6 month Standard Interest Rate
$2,500
0.06% ▼ 3.05% below Montana avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average3.11%▼ 3.05% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1400 3rd St Nw, Great Falls, MT 59404
6 month Standard Fixed Rate
$2,500
0.05% ▼ 3.06% below Montana avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average3.11%▼ 3.06% below avgNationally 2.77%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
The Family First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
2901 11th Ave s, Great Falls, MT 59405 5301
6 Month Share Certificate
$0
0.05% ▼ 3.06% below Montana avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.11%▼ 3.06% below avgNationally 2.77%
Details

Rate History
No change since Sep 17, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 17, 2026: 0.05% APYSep 17, 2026Oct 14, 2026
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Certificate
$1,000
4.07% ▲ 0.96% above Montana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.11%▲ 0.96% above avgNationally 2.77%
Details

Business Share Certificates; Certificate Special; Limited time special; Penalty for early withdrawal; Rates effective as of October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
3.47%4.02%4.57%Sep 14, 2026: 3.97% APYOct 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
6-Month Certificate
$100
4.00% ▲ 0.89% above Montana avg
View
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.11%▲ 0.89% above avgNationally 2.77%
Details

Balance: $100.00 to $499.99; requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (ages 13 to 18); early withdrawal penalty may apply

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
St Pats Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
6 Month Term Share Certificate
$0
3.76% ▲ 0.65% above Montana avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.11%▲ 0.65% above avgNationally 2.77%
Details

APY* = Annual Percentage Rate; Substantial penalty (90 days interest) for early withdrawal

Rate History
No change since Oct 9, 2026 · 3.76% APY · checked 2 times
3.26%3.76%4.26%Oct 9, 2026: 3.76% APYOct 9, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
180 Day Certificate of Deposit
$500
3.75% ▲ 0.64% above Montana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average3.11%▲ 0.64% above avgNationally 2.77%
Details

All certificates can be added onto, $200 minimum add on.

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 14, 2026
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
6-Month Share Certificate
$500
3.75% ▲ 0.64% above Montana avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.11%▲ 0.64% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 3.75% ▲ 0.30 pts · high 3.75% / low 3.45%
2.95%3.60%4.25%Sep 14, 2026: 3.45% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.75%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Jumbo 6-Month Share Certificate
$50,000
3.75% ▲ 0.64% above Montana avg
View
▼
Rate3.69%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.11%▲ 0.64% above avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.75%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Term Certificates - 6 Month
$0
3.70% ▲ 0.59% above Montana avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▲ 0.59% above avgNationally 2.77%
Details

Balance: $50,000+

Rate History
No change since Sep 25, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 25, 2026: 3.70% APYSep 25, 2026Oct 14, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
6 Month Certificates
$0
3.69% ▲ 0.58% above Montana avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.11%▲ 0.58% above avgNationally 2.77%
Details

Balance: $100,000+

Rate History
No change since Sep 18, 2026 · 3.69% APY · checked 9 times
3.19%3.69%4.19%Sep 18, 2026: 3.69% APYSep 18, 2026Oct 14, 2026
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
Share Certificates - 6 Month
$2,000
3.60% ▲ 0.49% above Montana avg
View
▼
Rate3.57%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.11%▲ 0.49% above avgNationally 2.77%
Details

Early Withdraw Penalty: 180 Dividend Days

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Montana Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Share Certificates - 6 months
$1,000
3.60% ▲ 0.49% above Montana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.11%▲ 0.49% above avgNationally 2.77%
Details

Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month (Special) Share Certificate
$1,000
3.55% ▲ 0.44% above Montana avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▲ 0.44% above avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 12, 2026: 3.55% APYOct 12, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
6 Month Share Certificate
$0
3.55% ▲ 0.44% above Montana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.11%▲ 0.44% above avgNationally 2.77%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Share Certificate - 6 Months
$0
3.55% ▲ 0.44% above Montana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.11%▲ 0.44% above avgNationally 2.77%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
6 Month Certificate
$0
3.53% ▲ 0.42% above Montana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.11%▲ 0.42% above avgNationally 2.77%
Details

APY* = Annual Percentage Yield

Rate History
No change since Sep 14, 2026 · 3.53% APY · checked 7 times
3.03%3.53%4.03%Sep 14, 2026: 3.53% APYSep 14, 2026Oct 14, 2026
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
Regular Certificates - 6 Month
$0
3.51% ▲ 0.40% above Montana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.11%▲ 0.40% above avgNationally 2.77%
Details

Balance: $1,000 and over; Dividends compounded and credited monthly

Rate History
No change since Oct 14, 2026 · 3.51% APY
3.01%3.51%4.01%Oct 14, 2026: 3.51% APYOct 14, 2026Oct 14, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
6 Month Share Certificate (CD)
$1,000
3.50% ▲ 0.39% above Montana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▲ 0.39% above avgNationally 2.77%
Details

Balance: $10,000 - $100,000+

Rate History
1 change since Sep 18, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25%
2.75%3.38%4.00%Sep 18, 2026: 3.25% APYSep 20, 2026: 3.50% APYSep 18, 2026Oct 14, 2026
  • Sep 20, 20263.50%▲ from 3.25%
  • Sep 18, 20263.25%first recorded
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
6 Month Certificates of Deposits
$0
3.50% ▲ 0.39% above Montana avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.11%▲ 0.39% above avgNationally 2.77%
Details

Rates effective October 1, 2026; APY calculated based upon monthly interest

Rate History
No change since Oct 10, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 10, 2026: 3.50% APYOct 10, 2026Oct 14, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
6 Month Certificates
$0
3.49% ▲ 0.38% above Montana avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.11%▲ 0.38% above avgNationally 2.77%
Details

Balance: $50,000 - $99,999

Rate History
No change since Sep 18, 2026 · 3.49% APY · checked 9 times
2.99%3.49%3.99%Sep 18, 2026: 3.49% APYSep 18, 2026Oct 14, 2026
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
6 Month Certificates of Deposit
$0
3.30% ▲ 0.19% above Montana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▲ 0.19% above avgNationally 2.77%
Details

Balance: $10,000 and up

Rate History
No change since Sep 18, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 18, 2026: 3.30% APYSep 18, 2026Oct 14, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
6 Month Share Certificate (CD)
$1,000
3.25% ▲ 0.14% above Montana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▲ 0.14% above avgNationally 2.77%
Details

Balance: $0 - $10,000

Rate History
No change since Sep 20, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Sep 20, 2026: 3.25% APYSep 20, 2026Oct 14, 2026
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
6 Month CD
$100
3.15% ▲ 0.04% above Montana avg
View
▼
Rate3.10%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average3.11%▲ 0.04% above avgNationally 2.77%
Details

Rate History
1 change since Sep 11, 2026 · 3.05% → 3.15% ▲ 0.10 pts · high 3.15% / low 3.05%
2.55%3.10%3.65%Sep 11, 2026: 3.05% APYSep 19, 2026: 3.15% APYSep 11, 2026Oct 14, 2026
  • Sep 19, 20263.15%▲ from 3.05%
  • Sep 11, 20263.05%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
6 Month Certificates
$0
3.14% ▲ 0.03% above Montana avg
View
▼
Rate3.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.11%▲ 0.03% above avgNationally 2.77%
Details

Balance: $25,000 - $49,999

Rate History
No change since Sep 18, 2026 · 3.14% APY · checked 9 times
2.64%3.14%3.64%Sep 18, 2026: 3.14% APYSep 18, 2026Oct 14, 2026
Northwestern Energy Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
I6 6-month Certificate
$1,000
3.02% ▼ 0.09% below Montana avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.11%▼ 0.09% below avgNationally 2.77%
Details

Share Certificates - Effective May 1, 2022; Daily Balance/Semi-Annual Dividend, Posts to Shares

Rate History
No change since Oct 9, 2026 · 3.02% APY · checked 2 times
2.52%3.02%3.52%Oct 9, 2026: 3.02% APYOct 9, 2026Oct 14, 2026
Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Term Certificates - 6 Month
$0
3.00% ▼ 0.11% below Montana avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▼ 0.11% below avgNationally 2.77%
Details

Balance: $25,000 - $49,999

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 14, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Student Certificates 6 Months
$100
2.85% ▼ 0.26% below Montana avg
View
▼
Rate2.81%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.11%▼ 0.26% below avgNationally 2.77%
Details

Rate History
No change since Sep 22, 2026 · 2.85% APY · checked 8 times
2.35%2.85%3.35%Sep 22, 2026: 2.85% APYSep 22, 2026Oct 14, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
6 Month Certificates
$0
2.79% ▼ 0.32% below Montana avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.11%▼ 0.32% below avgNationally 2.77%
Details

Balance: $10,000 - $24,999

Rate History
No change since Sep 18, 2026 · 2.79% APY · checked 9 times
2.29%2.79%3.29%Sep 18, 2026: 2.79% APYSep 18, 2026Oct 14, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
Share Certificate of Deposit - 6 Months
$500
2.76% ▼ 0.35% below Montana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▼ 0.35% below avgNationally 2.77%
Details

Rate History
1 change since Sep 25, 2026 · 2.50% → 2.76% ▲ 0.26 pts · high 2.76% / low 2.50%
2.00%2.63%3.26%Sep 25, 2026: 2.50% APYOct 4, 2026: 2.76% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20262.76%▲ from 2.50%
  • Sep 25, 20262.50%first recorded
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
6 Month Certificates of Deposit
$0
2.67% ▼ 0.44% below Montana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▼ 0.44% below avgNationally 2.77%
Details

Balance: $5,000.00 - $9,999

Rate History
No change since Sep 18, 2026 · 2.67% APY · checked 6 times
2.17%2.67%3.17%Sep 18, 2026: 2.67% APYSep 18, 2026Oct 14, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
6 Month Certificates
$0
2.64% ▼ 0.47% below Montana avg
View
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.11%▼ 0.47% below avgNationally 2.77%
Details

Balance: $500 - $9,999

Rate History
No change since Sep 18, 2026 · 2.64% APY · checked 9 times
2.14%2.64%3.14%Sep 18, 2026: 2.64% APYSep 18, 2026Oct 14, 2026
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
6 Month Certificates of Deposit
$0
2.62% ▼ 0.49% below Montana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▼ 0.49% below avgNationally 2.77%
Details

Balance: $500.00 - $4,999

Rate History
No change since Sep 18, 2026 · 2.62% APY · checked 6 times
2.12%2.62%3.12%Sep 18, 2026: 2.62% APYSep 18, 2026Oct 14, 2026
Freedom Bank Columbia Falls, MT
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
6 Month CD
$500
2.53% ▼ 0.58% below Montana avg
View
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.11%▼ 0.58% below avgNationally 2.77%
Details

Under $10,000.00; Balance: Under $10,000.00; Minimum Balance to Obtain APY: $500

Rate History
No change since Sep 30, 2026 · 2.53% APY · checked 5 times
2.03%2.53%3.03%Sep 30, 2026: 2.53% APYSep 30, 2026Oct 14, 2026
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
6 Month Standard Certificates of Deposit
$1,000
2.27% ▼ 0.84% below Montana avg
View
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average3.11%▼ 0.84% below avgNationally 2.77%
Details

Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days

Rate History
No change since Sep 19, 2026 · 2.27% APY · checked 7 times
1.77%2.27%2.77%Sep 19, 2026: 2.27% APYSep 19, 2026Oct 14, 2026
Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Term Certificates - 6 Month
$0
2.00% ▼ 1.11% below Montana avg
View
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▼ 1.11% below avgNationally 2.77%
Details

Balance: $500

Rate History
No change since Sep 25, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Sep 25, 2026: 2.00% APYSep 25, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month Business Certificate of Deposit (CD)
$0
1.61% ▼ 1.50% below Montana avg
View
▼
Rate1.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▼ 1.50% below avgNationally 2.77%
Details

Rate History
1 change since Sep 14, 2026 · 1.36% → 1.61% ▲ 0.25 pts · high 1.61% / low 1.36%
0.86%1.48%2.11%Sep 14, 2026: 1.36% APYSep 28, 2026: 1.61% APYSep 14, 2026Oct 14, 2026
  • Sep 28, 20261.61%▲ from 1.36%
  • Sep 14, 20261.36%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Month CD
$100,000
1.61% ▼ 1.50% below Montana avg
View
▼
Rate1.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.11%▼ 1.50% below avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 1.61% APY · checked 2 times
1.11%1.61%2.11%Oct 8, 2026: 1.61% APYOct 8, 2026Oct 14, 2026

Great Falls 12 Month CD Rates

Montana 12 Month CD Average3.31% APYNational 2.99%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1915 10th Ave S, Great Falls, MT 59405
12 Month IRA
$500
4.38% ▲ 1.07% above Montana avg
View
▼
Rate4.30%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.31%▲ 1.07% above avgNationally 2.99%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 4.38% APY
3.88%4.38%4.88%Oct 13, 2026: 4.38% APYOct 13, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1915 10th Ave S, Great Falls, MT 59405
Certificates - 12 Month
$1,000
4.38% ▲ 1.07% above Montana avg
View
▼
Rate4.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.31%▲ 1.07% above avgNationally 2.99%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 4.38% APY
3.88%4.38%4.88%Oct 13, 2026: 4.38% APYOct 13, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
12 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$100,000
3.75% ▲ 0.44% above Montana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▲ 0.44% above avgNationally 2.99%
Details

Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
12 Month Share Certificates - Regular
$100,000
3.75% ▲ 0.44% above Montana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▲ 0.44% above avgNationally 2.99%
Details

Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
12 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$50,000
3.70% ▲ 0.39% above Montana avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▲ 0.39% above avgNationally 2.99%
Details

Rate History
No change since Oct 4, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 4, 2026: 3.70% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
12 Month Share Certificates - Regular
$50,000
3.70% ▲ 0.39% above Montana avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▲ 0.39% above avgNationally 2.99%
Details

Rate History
No change since Oct 4, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 4, 2026: 3.70% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
12 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$10,000
3.65% ▲ 0.34% above Montana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▲ 0.34% above avgNationally 2.99%
Details

Rate History
No change since Oct 4, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 4, 2026: 3.65% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
12 Month Share Certificates - Regular
$10,000
3.65% ▲ 0.34% above Montana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▲ 0.34% above avgNationally 2.99%
Details

Rate History
No change since Oct 4, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 4, 2026: 3.65% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
12 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$2,500
3.50% ▲ 0.19% above Montana avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▲ 0.19% above avgNationally 2.99%
Details

Rate History
No change since Oct 4, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 4, 2026: 3.50% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
12 Month Share Certificates - Regular
$2,500
3.50% ▲ 0.19% above Montana avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▲ 0.19% above avgNationally 2.99%
Details

Rate History
No change since Oct 4, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 4, 2026: 3.50% APYOct 4, 2026Oct 14, 2026
Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
15 14th St S, Great Falls, MT 59401 3800
12 Month Share Certificate
$1,000
3.50% ▲ 0.19% above Montana avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▲ 0.19% above avgNationally 2.99%
Details

Rates and terms are valid for both share certificates and IRA share certificates. Early withdrawal penalties apply. Fees may reduce earnings. Other rates and terms available.

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1915 10th Ave S, Great Falls, MT 59405
Certificates - 12 Month Student
$0
2.78% ▼ 0.53% below Montana avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.31%▼ 0.53% below avgNationally 2.99%
Details

Balance: $250.00 or more; Only eligible to students 25 and under

Rate History
No change since Oct 13, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 13, 2026: 2.78% APYOct 13, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
12 Month Share Certificates - Cubby or Student Members
$100
2.75% ▼ 0.56% below Montana avg
View
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▼ 0.56% below avgNationally 2.99%
Details

Cubby or Student Members

Rate History
No change since Oct 4, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 4, 2026: 2.75% APYOct 4, 2026Oct 14, 2026
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6200 3rd Ave N, Great Falls, MT 59405 1528
12 Month Regular Certificates
$10,000
1.66% ▼ 1.65% below Montana avg
View
▼
Rate1.65%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▼ 1.65% below avgNationally 2.99%
Details

Share Certificate Rates; Regular Certificates (Minimum Opening Balance $10,000)

Rate History
1 change since Sep 20, 2026 · 1.56% → 1.66% ▲ 0.10 pts · high 1.66% / low 1.56%
1.06%1.61%2.16%Sep 20, 2026: 1.56% APYOct 8, 2026: 1.66% APYSep 20, 2026Oct 14, 2026
  • Oct 8, 20261.66%▲ from 1.56%
  • Sep 20, 20261.56%first recorded
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6200 3rd Ave N, Great Falls, MT 59405 1528
Regular Certificates - 12 Months
$50,000
1.66% ▼ 1.65% below Montana avg
View
▼
Rate1.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▼ 1.65% below avgNationally 2.99%
Details

Share Certificate; Minimum Opening Balance $50,000

Rate History
No change since Sep 25, 2026 · 1.66% APY · checked 3 times
1.16%1.66%2.16%Sep 25, 2026: 1.66% APYSep 25, 2026Oct 14, 2026
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6200 3rd Ave N, Great Falls, MT 59405 1528
Regular Certificates - 12 Months
$500
1.56% ▼ 1.75% below Montana avg
View
▼
Rate1.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▼ 1.75% below avgNationally 2.99%
Details

Minimum Opening Balance $500

Rate History
1 change since Sep 25, 2026 · 1.66% → 1.56% ▼ 0.10 pts · high 1.66% / low 1.56%
1.06%1.61%2.16%Sep 25, 2026: 1.66% APYOct 12, 2026: 1.56% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20261.56%▼ from 1.66%
  • Sep 25, 20261.66%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1400 3rd St Nw, Great Falls, MT 59404
1 year Standard Fixed Rate
$2,500
1.51% ▼ 1.80% below Montana avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average3.31%▼ 1.80% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
1 change since Sep 14, 2026 · 1.50% → 1.51% ▲ 0.01 pts · high 1.51% / low 1.50%
1.00%1.51%2.01%Sep 14, 2026: 1.50% APYOct 7, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
  • Oct 7, 20261.51%▲ from 1.50%
  • Sep 14, 20261.50%first recorded
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1400 3rd St Nw, Great Falls, MT 59404
1 year Standard Interest Rate
$2,500
1.51% ▼ 1.80% below Montana avg
View
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average3.31%▼ 1.80% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99; Relationship APY 1.51%

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 3 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
1400 3rd St Nw, Great Falls, MT 59404
1 year Standard Fixed Rate
$2,500
1.50% ▼ 1.81% below Montana avg
View
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average3.31%▼ 1.81% below avgNationally 2.99%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 3 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 14, 2026
The Family First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
2901 11th Ave s, Great Falls, MT 59405 5301
1 Year Share Certificate
$0
0.10% ▼ 3.21% below Montana avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.31%▼ 3.21% below avgNationally 2.99%
Details

Rate History
No change since Sep 17, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 17, 2026: 0.10% APYSep 17, 2026Oct 14, 2026
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
1-Year Youth Certificate
$100
4.50% ▲ 1.19% above Montana avg
View
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.31%▲ 1.19% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.40% → 4.50% ▲ 0.10 pts · high 4.50% / low 4.40%
3.90%4.45%5.00%Sep 14, 2026: 4.40% APYOct 10, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.50%▲ from 4.40%
  • Sep 14, 20264.40%first recorded
Lincoln County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Share Certificate - 12 Months
$1,000
4.25% ▲ 0.94% above Montana avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.31%▲ 0.94% above avgNationally 2.99%
Details

Minimum $1,000; A penalty will be imposed for early withdrawal; Rates can change daily

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.25% ▼ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.50% APYOct 9, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20264.25%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
12-Month Jumbo Share Certificate
$0
4.25% ▲ 0.94% above Montana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.31%▲ 0.94% above avgNationally 2.99%
Details

Featured rate

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.25% ▲ 0.70 pts · high 4.25% / low 3.55%
2.85%3.90%4.95%Sep 14, 2026: 3.55% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.25%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
12-Month Share Certificate
$500
4.25% ▲ 0.94% above Montana avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.31%▲ 0.94% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.25% ▲ 0.80 pts · high 4.25% / low 3.45%
2.65%3.85%5.05%Sep 14, 2026: 3.45% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.25%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Jumbo 12-Month Share Certificate
$100,000
4.25% ▲ 0.94% above Montana avg
View
▼
Rate4.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.31%▲ 0.94% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.25% ▲ 0.70 pts · high 4.25% / low 3.55%
2.85%3.90%4.95%Sep 14, 2026: 3.55% APYOct 10, 2026: 4.25% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.25%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Daniels-Sheridan Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
1-Year Share Certificate
$500
4.08% ▲ 0.77% above Montana avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▲ 0.77% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.08% APY · checked 7 times
3.58%4.08%4.58%Sep 14, 2026: 4.08% APYSep 14, 2026Oct 14, 2026
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
12 Month Certificate
$500
4.07% ▲ 0.76% above Montana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.31%▲ 0.76% above avgNationally 2.99%
Details

Business Share Certificates; Certificate Special; Limited time special; Penalty for early withdrawal; Rates effective as of October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
3.47%4.02%4.57%Sep 14, 2026: 3.97% APYOct 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
12 Month Certificate
$0
4.05% ▲ 0.74% above Montana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.31%▲ 0.74% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
12-Month Certificate
$100
4.00% ▲ 0.69% above Montana avg
View
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.31%▲ 0.69% above avgNationally 2.99%
Details

Balance: $100.00 to $499.99; Requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (ages 13 to 18); Dividends compounded daily and credited monthly

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 14, 2026
St Pats Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
1 Year Term Share Certificate
$0
3.87% ▲ 0.56% above Montana avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.31%▲ 0.56% above avgNationally 2.99%
Details

APY* = Annual Percentage Rate; Substantial penalty (90 days interest) for early withdrawal

Rate History
No change since Oct 9, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 9, 2026: 3.87% APYOct 9, 2026Oct 14, 2026
First Security Bank of Deer Lodge
Institution Rating:
A5.0 ★Texas Ratio: 11.95%
12 Month Certificate of Deposit
$1,000
3.80% ▲ 0.49% above Montana avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▲ 0.49% above avgNationally 2.99%
Details

$1000 Minimum Balance Required to Open Account

Rate History
No change since Oct 3, 2026 · 3.80% APY · checked 3 times
3.30%3.80%4.30%Oct 3, 2026: 3.80% APYOct 3, 2026Oct 14, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
12 Month Certificates
$0
3.79% ▲ 0.48% above Montana avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.31%▲ 0.48% above avgNationally 2.99%
Details

Balance: $500 - $9,999

Rate History
No change since Sep 18, 2026 · 3.79% APY · checked 9 times
3.29%3.79%4.29%Sep 18, 2026: 3.79% APYSep 18, 2026Oct 14, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA 12 Month Certificates
$0
3.79% ▲ 0.48% above Montana avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.31%▲ 0.48% above avgNationally 2.99%
Details

Balance: $500 - $9,999

Rate History
No change since Sep 18, 2026 · 3.79% APY · checked 9 times
3.29%3.79%4.29%Sep 18, 2026: 3.79% APYSep 18, 2026Oct 14, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
Student Certificates 12 Months
$100
3.79% ▲ 0.48% above Montana avg
View
▼
Rate3.73%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.31%▲ 0.48% above avgNationally 2.99%
Details

Rate History
No change since Sep 22, 2026 · 3.79% APY · checked 8 times
3.29%3.79%4.29%Sep 22, 2026: 3.79% APYSep 22, 2026Oct 14, 2026
Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Term Certificates - 12 Month
$0
3.75% ▲ 0.44% above Montana avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▲ 0.44% above avgNationally 2.99%
Details

Balance: $50,000+

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 14, 2026
Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Traditional/ROTH IRA Certificates - 1 Year Fixed
$0
3.75% ▲ 0.44% above Montana avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▲ 0.44% above avgNationally 2.99%
Details

Balance: $50,000+

Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 14, 2026
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
IRA Certificates - 12 Month
$0
3.66% ▲ 0.35% above Montana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.31%▲ 0.35% above avgNationally 2.99%
Details

Balance: $2,000 and over; Dividends compounded and credited monthly

Rate History
1 change since Sep 14, 2026 · 3.56% → 3.66% ▲ 0.10 pts · high 3.66% / low 3.56%
3.06%3.61%4.16%Sep 14, 2026: 3.56% APYOct 10, 2026: 3.66% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.66%▲ from 3.56%
  • Sep 14, 20263.56%first recorded
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
Regular Certificates - 12 Month
$0
3.66% ▲ 0.35% above Montana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.31%▲ 0.35% above avgNationally 2.99%
Details

Balance: $1,000 and over; Dividends compounded and credited monthly

Rate History
No change since Oct 14, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 14, 2026: 3.66% APYOct 14, 2026Oct 14, 2026
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.80%
12 Month Certificates of Deposit
$0
3.65% ▲ 0.34% above Montana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▲ 0.34% above avgNationally 2.99%
Details

Balance: $10,000 and up

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 6 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
Share Certificate of Deposit - 12 Months
$500
3.64% ▲ 0.33% above Montana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▲ 0.33% above avgNationally 2.99%
Details

Rate History
1 change since Sep 25, 2026 · 3.00% → 3.64% ▲ 0.64 pts · high 3.64% / low 3.00%
2.36%3.32%4.28%Sep 25, 2026: 3.00% APYOct 4, 2026: 3.64% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20263.64%▲ from 3.00%
  • Sep 25, 20263.00%first recorded
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
Share Certificates - 1 Year
$2,000
3.60% ▲ 0.29% above Montana avg
View
▼
Rate3.60%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.31%▲ 0.29% above avgNationally 2.99%
Details

Early Withdraw Penalty: 180 Dividend Days

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Belt Valley Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.38%
1 Year Certificate
$500
3.55% ▲ 0.24% above Montana avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average3.31%▲ 0.24% above avgNationally 2.99%
Details

Rate History
No change since Sep 7, 2026 · 3.55% APY · checked 3 times
3.05%3.55%4.05%Sep 7, 2026: 3.55% APYSep 7, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
12 Month Individual Retirement Certificates
$0
3.55% ▲ 0.24% above Montana avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.31%▲ 0.24% above avgNationally 2.99%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
12 Month Share Certificate
$0
3.55% ▲ 0.24% above Montana avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.31%▲ 0.24% above avgNationally 2.99%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 18, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 18, 2026: 3.55% APYSep 18, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Individual Retirement Certificates 12 Months
$0
3.55% ▲ 0.24% above Montana avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.31%▲ 0.24% above avgNationally 2.99%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Share Certificate - 12 Months
$0
3.55% ▲ 0.24% above Montana avg
View
▼
Rate3.49%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.31%▲ 0.24% above avgNationally 2.99%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
12 Month Certificates of Deposits
$0
3.55% ▲ 0.24% above Montana avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.31%▲ 0.24% above avgNationally 2.99%
Details

Rates effective October 1, 2026; APY calculated based upon monthly interest

Rate History
No change since Oct 10, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 10, 2026: 3.55% APYOct 10, 2026Oct 14, 2026
Northwestern Energy Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
I1 1-year Certificate
$1,000
3.53% ▲ 0.22% above Montana avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.31%▲ 0.22% above avgNationally 2.99%
Details

Share Certificates - Effective May 1, 2022; Daily Balance/Semi-Annual Dividend, Posts to Shares

Rate History
No change since Oct 9, 2026 · 3.53% APY · checked 2 times
3.03%3.53%4.03%Oct 9, 2026: 3.53% APYOct 9, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
12 Month Certificate of Deposit
$500
3.50% ▲ 0.19% above Montana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average3.31%▲ 0.19% above avgNationally 2.99%
Details

All certificates can be added onto, $200 minimum add on.

Rate History
No change since Oct 7, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 7, 2026: 3.50% APYOct 7, 2026Oct 14, 2026
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 month CD
$1,000
3.50% ▲ 0.19% above Montana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.31%▲ 0.19% above avgNationally 2.99%
Details

Share Certificate Rates; $1000 minimum

Rate History
No change since Sep 12, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Sep 12, 2026: 3.50% APYSep 12, 2026Oct 14, 2026

Great Falls 18 Month CD Rates

Montana 18 Month CD Average2.98% APYNational 2.88%▲ 0.06% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
18 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$100,000
3.90% ▲ 0.92% above Montana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.98%▲ 0.92% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 4, 2026: 3.90% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
18 Month Share Certificates - Regular
$100,000
3.90% ▲ 0.92% above Montana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.98%▲ 0.92% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.90% APY · checked 2 times
3.40%3.90%4.40%Oct 4, 2026: 3.90% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
18 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$50,000
3.80% ▲ 0.82% above Montana avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.98%▲ 0.82% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
18 Month Share Certificates - Regular
$50,000
3.80% ▲ 0.82% above Montana avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.98%▲ 0.82% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.80% APY · checked 2 times
3.30%3.80%4.30%Oct 4, 2026: 3.80% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
18 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$10,000
3.75% ▲ 0.77% above Montana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.98%▲ 0.77% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
18 Month Share Certificates - Regular
$10,000
3.75% ▲ 0.77% above Montana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.98%▲ 0.77% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 4, 2026: 3.75% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
18 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$2,500
3.55% ▲ 0.57% above Montana avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.98%▲ 0.57% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 4, 2026: 3.55% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
18 Month Share Certificates - Regular
$2,500
3.55% ▲ 0.57% above Montana avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.98%▲ 0.57% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 4, 2026: 3.55% APYOct 4, 2026Oct 14, 2026
Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
15 14th St S, Great Falls, MT 59401 3800
18 Month Share Certificate
$1,000
3.50% ▲ 0.52% above Montana avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.98%▲ 0.52% above avgNationally 2.88%
Details

Rates and terms are valid for both share certificates and IRA share certificates. Early withdrawal penalties apply. Fees may reduce earnings. Other rates and terms available.

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 14, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
18 Month Certificate
$0
4.15% ▲ 1.17% above Montana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average2.98%▲ 1.17% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.15% ▲ 0.15 pts · high 4.15% / low 4.00%
3.50%4.08%4.65%Sep 14, 2026: 4.00% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.15%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Lincoln County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Share Certificate - 18 Months
$1,000
4.00% ▲ 1.02% above Montana avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average2.98%▲ 1.02% above avgNationally 2.88%
Details

Minimum $1,000; A penalty will be imposed for early withdrawal; Rates can change daily

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
18-Month Share Certificate
$500
4.00% ▲ 1.02% above Montana avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.98%▲ 1.02% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.25% → 4.00% ▲ 0.75 pts · high 4.00% / low 3.25%
2.50%3.63%4.75%Sep 14, 2026: 3.25% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.00%▲ from 3.25%
  • Sep 14, 20263.25%first recorded
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
Jumbo 18-Month Share Certificate
$100,000
4.00% ▲ 1.02% above Montana avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.98%▲ 1.02% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.00% ▲ 0.60 pts · high 4.00% / low 3.40%
2.80%3.70%4.60%Sep 14, 2026: 3.40% APYOct 10, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20264.00%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
18-Month Certificate
$100
4.00% ▲ 1.02% above Montana avg
View
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.98%▲ 1.02% above avgNationally 2.88%
Details

Balance: $100.00 to $499.99; Requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (ages 13 to 18); Not valid for brokered deposits, institutional investors, business accounts or Public Funds

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 14, 2026
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
Children's Certificates - 18 Month
$0
3.71% ▲ 0.73% above Montana avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.98%▲ 0.73% above avgNationally 2.88%
Details

Minimum balance $250; Dividends compounded and credited monthly

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.71% ▲ 0.10 pts · high 3.71% / low 3.61%
3.11%3.66%4.21%Sep 14, 2026: 3.61% APYOct 14, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20263.71%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
IRA Certificates - 18 Month
$0
3.71% ▲ 0.73% above Montana avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.98%▲ 0.73% above avgNationally 2.88%
Details

Balance: $2,000 and over; Dividends compounded and credited monthly

Rate History
1 change since Sep 14, 2026 · 3.61% → 3.71% ▲ 0.10 pts · high 3.71% / low 3.61%
3.11%3.66%4.21%Sep 14, 2026: 3.61% APYOct 10, 2026: 3.71% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.71%▲ from 3.61%
  • Sep 14, 20263.61%first recorded
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
Regular Certificates - 18 Month
$0
3.71% ▲ 0.73% above Montana avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.98%▲ 0.73% above avgNationally 2.88%
Details

Balance: $1,000 and over; Dividends compounded and credited monthly

Rate History
No change since Oct 14, 2026 · 3.71% APY
3.21%3.71%4.21%Oct 14, 2026: 3.71% APYOct 14, 2026Oct 14, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
18 Month Certificates
$0
3.69% ▲ 0.71% above Montana avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.98%▲ 0.71% above avgNationally 2.88%
Details

Balance: $100,000+

Rate History
No change since Sep 18, 2026 · 3.69% APY · checked 9 times
3.19%3.69%4.19%Sep 18, 2026: 3.69% APYSep 18, 2026Oct 14, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
18 Month Certificates
$0
3.49% ▲ 0.51% above Montana avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.98%▲ 0.51% above avgNationally 2.88%
Details

Balance: $50,000 - $99,999

Rate History
No change since Sep 18, 2026 · 3.49% APY · checked 9 times
2.99%3.49%3.99%Sep 18, 2026: 3.49% APYSep 18, 2026Oct 14, 2026
Belt Valley Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.38%
18 Month Certificate
$500
3.15% ▲ 0.17% above Montana avg
View
▼
Rate3.11%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average2.98%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Sep 7, 2026 · 3.15% APY · checked 3 times
2.65%3.15%3.65%Sep 7, 2026: 3.15% APYSep 7, 2026Oct 14, 2026
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
IRA 18 Month Fixed
$100
3.14% ▲ 0.16% above Montana avg
View
▼
Rate3.10%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average2.98%▲ 0.16% above avgNationally 2.88%
Details

Rate History
1 change since Sep 11, 2026 · 3.03% → 3.14% ▲ 0.11 pts · high 3.14% / low 3.03%
2.53%3.09%3.64%Sep 11, 2026: 3.03% APYSep 19, 2026: 3.14% APYSep 11, 2026Oct 14, 2026
  • Sep 19, 20263.14%▲ from 3.03%
  • Sep 11, 20263.03%first recorded
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
IRA 18 Month Variable
$100
3.14% ▲ 0.16% above Montana avg
View
▼
Rate3.10%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average2.98%▲ 0.16% above avgNationally 2.88%
Details

Rate History
1 change since Sep 11, 2026 · 3.03% → 3.14% ▲ 0.11 pts · high 3.14% / low 3.03%
2.53%3.09%3.64%Sep 11, 2026: 3.03% APYSep 19, 2026: 3.14% APYSep 11, 2026Oct 14, 2026
  • Sep 19, 20263.14%▲ from 3.03%
  • Sep 11, 20263.03%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
18 Month Certificates
$0
3.14% ▲ 0.16% above Montana avg
View
▼
Rate3.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.98%▲ 0.16% above avgNationally 2.88%
Details

Balance: $25,000 - $49,999

Rate History
No change since Sep 18, 2026 · 3.14% APY · checked 9 times
2.64%3.14%3.64%Sep 18, 2026: 3.14% APYSep 18, 2026Oct 14, 2026
Freedom Bank Columbia Falls, MT
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
18 Month CD
$500
3.04% ▲ 0.06% above Montana avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.98%▲ 0.06% above avgNationally 2.88%
Details

Under $10,000.00; Balance: Under $10,000.00; Minimum Balance to Obtain APY: $500

Rate History
No change since Sep 30, 2026 · 3.04% APY · checked 5 times
2.54%3.04%3.54%Sep 30, 2026: 3.04% APYSep 30, 2026Oct 14, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
18 Month Certificates
$0
2.79% ▼ 0.19% below Montana avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.98%▼ 0.19% below avgNationally 2.88%
Details

Balance: $10,000 - $24,999

Rate History
No change since Sep 18, 2026 · 2.79% APY · checked 9 times
2.29%2.79%3.29%Sep 18, 2026: 2.79% APYSep 18, 2026Oct 14, 2026
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month IRA Share Certificate
$1,000
2.78% ▼ 0.20% below Montana avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.98%▼ 0.20% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Oct 8, 2026: 2.78% APYOct 8, 2026Oct 14, 2026
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Share Certificate
$1,000
2.78% ▼ 0.20% below Montana avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.98%▼ 0.20% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 2.78% APY · checked 2 times
2.28%2.78%3.28%Oct 8, 2026: 2.78% APYOct 8, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 Month Certificate of Deposit
$500
2.75% ▼ 0.23% below Montana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average2.98%▼ 0.23% below avgNationally 2.88%
Details

All certificates can be added onto, $200 minimum add on.

Rate History
No change since Oct 7, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Oct 7, 2026: 2.75% APYOct 7, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 month IRA
$0
2.75% ▼ 0.23% below Montana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average2.98%▼ 0.23% below avgNationally 2.88%
Details

Rate History
No change since Sep 9, 2026 · 2.75% APY · checked 7 times
2.25%2.75%3.25%Sep 9, 2026: 2.75% APYSep 9, 2026Oct 14, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
18 Month Certificates
$0
2.64% ▼ 0.34% below Montana avg
View
▼
Rate2.61%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.98%▼ 0.34% below avgNationally 2.88%
Details

Balance: $500 - $9,999

Rate History
No change since Sep 18, 2026 · 2.64% APY · checked 9 times
2.14%2.64%3.14%Sep 18, 2026: 2.64% APYSep 18, 2026Oct 14, 2026
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
18 Month CD
$100
2.63% ▼ 0.35% below Montana avg
View
▼
Rate2.60%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average2.98%▼ 0.35% below avgNationally 2.88%
Details

Rate History
1 change since Sep 11, 2026 · 2.52% → 2.63% ▲ 0.11 pts · high 2.63% / low 2.52%
2.02%2.58%3.13%Sep 11, 2026: 2.52% APYSep 19, 2026: 2.63% APYSep 11, 2026Oct 14, 2026
  • Sep 19, 20262.63%▲ from 2.52%
  • Sep 11, 20262.52%first recorded
Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
18 Month Certificate
$0
2.52% ▼ 0.46% below Montana avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average2.98%▼ 0.46% below avgNationally 2.88%
Details

APY* = Annual Percentage Yield

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 7 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Oct 14, 2026
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
18 Month Standard Certificates of Deposit
$5,000
2.41% ▼ 0.57% below Montana avg
View
▼
Rate2.39%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average2.98%▼ 0.57% below avgNationally 2.88%
Details

Interest Frequency: 3 Months; Early Withdrawal Penalty: 182 Days

Rate History
No change since Sep 19, 2026 · 2.41% APY · checked 7 times
1.91%2.41%2.91%Sep 19, 2026: 2.41% APYSep 19, 2026Oct 14, 2026
Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Term Certificates - 18 Month
$0
2.25% ▼ 0.73% below Montana avg
View
▼
Rate2.22%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.98%▼ 0.73% below avgNationally 2.88%
Details

Balance: $500

Rate History
No change since Sep 25, 2026 · 2.25% APY · checked 4 times
1.75%2.25%2.75%Sep 25, 2026: 2.25% APYSep 25, 2026Oct 14, 2026
First Security Bank of Deer Lodge
Institution Rating:
A5.0 ★Texas Ratio: 11.95%
18 Month Certificate of Deposit
$1,000
2.17% ▼ 0.81% below Montana avg
View
▼
Rate2.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.98%▼ 0.81% below avgNationally 2.88%
Details

$1000 Minimum Balance Required to Open Account

Rate History
No change since Oct 3, 2026 · 2.17% APY · checked 3 times
1.67%2.17%2.67%Oct 3, 2026: 2.17% APYOct 3, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Business Certificate of Deposit (CD)
$0
1.81% ▼ 1.17% below Montana avg
View
▼
Rate1.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.98%▼ 1.17% below avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 1.56% → 1.81% ▲ 0.25 pts · high 1.81% / low 1.56%
1.06%1.69%2.31%Sep 14, 2026: 1.56% APYSep 28, 2026: 1.81% APYSep 14, 2026Oct 14, 2026
  • Sep 28, 20261.81%▲ from 1.56%
  • Sep 14, 20261.56%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month CD
$100,000
1.81% ▼ 1.17% below Montana avg
View
▼
Rate1.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.98%▼ 1.17% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 1.81% APY · checked 2 times
1.31%1.81%2.31%Oct 8, 2026: 1.81% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate
$0
1.76% ▼ 1.22% below Montana avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.98%▼ 1.22% below avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 1.56% → 1.76% ▲ 0.20 pts · high 1.81% / low 1.56%
1.06%1.69%2.31%Sep 14, 2026: 1.56% APYSep 24, 2026: 1.81% APYOct 8, 2026: 1.76% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20261.76%▼ from 1.81%
  • Sep 24, 20261.81%▲ from 1.56%
  • Sep 14, 20261.56%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Business Certificate of Deposit (CD) - 18 Months
$0
1.76% ▼ 1.22% below Montana avg
View
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.98%▼ 1.22% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 1.76% APY · checked 2 times
1.26%1.76%2.26%Oct 8, 2026: 1.76% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Business Certificate of Deposit (CD) - 18 Months
$0
1.71% ▼ 1.27% below Montana avg
View
▼
Rate1.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.98%▼ 1.27% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 1.71% APY · checked 2 times
1.21%1.71%2.21%Oct 8, 2026: 1.71% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit (CD) - 18 Months
$0
1.71% ▼ 1.27% below Montana avg
View
▼
Rate1.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.98%▼ 1.27% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 1.71% APY · checked 2 times
1.21%1.71%2.21%Oct 8, 2026: 1.71% APYOct 8, 2026Oct 14, 2026
Madison Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
Business 18 month multiple deposit
$100
1.65% ▼ 1.33% below Montana avg
View
▼
Rate1.65%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average2.98%▼ 1.33% below avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 1.65% APY · checked 7 times
1.15%1.65%2.15%Sep 11, 2026: 1.65% APYSep 11, 2026Oct 14, 2026
Farmers State Bank Victor, MT
Institution Rating:
A4.8 ★Texas Ratio: 6.69%
18 Month Certificate
$1,000
1.27% ▼ 1.71% below Montana avg
View
▼
Rate1.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average2.98%▼ 1.71% below avgNationally 2.88%
Details

Rate History
No change since Sep 11, 2026 · 1.27% APY · checked 8 times
0.77%1.27%1.77%Sep 11, 2026: 1.27% APYSep 11, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
18 month variable IRA
$0
1.00% ▼ 1.98% below Montana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average2.98%▼ 1.98% below avgNationally 2.88%
Details

Rate History
No change since Sep 9, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 9, 2026: 1.00% APYSep 9, 2026Oct 14, 2026

Great Falls 24 Month CD Rates

Montana 24 Month CD Average3.13% APYNational 2.88%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
24 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$100,000
3.65% ▲ 0.52% above Montana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▲ 0.52% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 4, 2026: 3.65% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
24 Month Share Certificates - Regular
$100,000
3.65% ▲ 0.52% above Montana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▲ 0.52% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 4, 2026: 3.65% APYOct 4, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1915 10th Ave S, Great Falls, MT 59405
24 Month IRA
$500
3.61% ▲ 0.48% above Montana avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.13%▲ 0.48% above avgNationally 2.88%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1915 10th Ave S, Great Falls, MT 59405
Certificates - 24 Month
$1,000
3.61% ▲ 0.48% above Montana avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.13%▲ 0.48% above avgNationally 2.88%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
24 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$50,000
3.55% ▲ 0.42% above Montana avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▲ 0.42% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 4, 2026: 3.55% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
24 Month Share Certificates - Regular
$50,000
3.55% ▲ 0.42% above Montana avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▲ 0.42% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.55% APY · checked 2 times
3.05%3.55%4.05%Oct 4, 2026: 3.55% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
24 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$10,000
3.50% ▲ 0.37% above Montana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 4, 2026: 3.50% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
24 Month Share Certificates - Regular
$10,000
3.50% ▲ 0.37% above Montana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 4, 2026: 3.50% APYOct 4, 2026Oct 14, 2026
Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
15 14th St S, Great Falls, MT 59401 3800
24 Month Share Certificate
$1,000
3.50% ▲ 0.37% above Montana avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▲ 0.37% above avgNationally 2.88%
Details

Rates and terms are valid for both share certificates and IRA share certificates. Early withdrawal penalties apply. Fees may reduce earnings. Other rates and terms available.

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
24 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$2,500
3.30% ▲ 0.17% above Montana avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 4, 2026: 3.30% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
24 Month Share Certificates - Regular
$2,500
3.30% ▲ 0.17% above Montana avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Oct 4, 2026 · 3.30% APY · checked 2 times
2.80%3.30%3.80%Oct 4, 2026: 3.30% APYOct 4, 2026Oct 14, 2026
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6200 3rd Ave N, Great Falls, MT 59405 1528
24 Month Regular Certificates
$10,000
1.81% ▼ 1.32% below Montana avg
View
▼
Rate1.80%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▼ 1.32% below avgNationally 2.88%
Details

Share Certificate Rates; Regular Certificates (Minimum Opening Balance $10,000)

Rate History
1 change since Sep 20, 2026 · 1.71% → 1.81% ▲ 0.10 pts · high 1.81% / low 1.71%
1.21%1.76%2.31%Sep 20, 2026: 1.71% APYOct 8, 2026: 1.81% APYSep 20, 2026Oct 14, 2026
  • Oct 8, 20261.81%▲ from 1.71%
  • Sep 20, 20261.71%first recorded
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6200 3rd Ave N, Great Falls, MT 59405 1528
Regular Certificates - 24 Months
$50,000
1.81% ▼ 1.32% below Montana avg
View
▼
Rate1.80%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▼ 1.32% below avgNationally 2.88%
Details

Share Certificate; Minimum Opening Balance $50,000

Rate History
No change since Sep 25, 2026 · 1.81% APY · checked 3 times
1.31%1.81%2.31%Sep 25, 2026: 1.81% APYSep 25, 2026Oct 14, 2026
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6200 3rd Ave N, Great Falls, MT 59405 1528
Regular Certificates - 24 Months
$500
1.71% ▼ 1.42% below Montana avg
View
▼
Rate1.70%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▼ 1.42% below avgNationally 2.88%
Details

Minimum Opening Balance $500

Rate History
1 change since Sep 25, 2026 · 1.81% → 1.71% ▼ 0.10 pts · high 1.81% / low 1.71%
1.21%1.76%2.31%Sep 25, 2026: 1.81% APYOct 12, 2026: 1.71% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20261.71%▼ from 1.81%
  • Sep 25, 20261.81%first recorded
The Family First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
2901 11th Ave s, Great Falls, MT 59405 5301
2 Year Share Certificate
$0
0.15% ▼ 2.98% below Montana avg
View
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.13%▼ 2.98% below avgNationally 2.88%
Details

Rate History
No change since Sep 17, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 17, 2026: 0.15% APYSep 17, 2026Oct 14, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
24 Month Certificate
$0
4.50% ▲ 1.37% above Montana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.13%▲ 1.37% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
24 Month Certificate
$500
4.18% ▲ 1.05% above Montana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▲ 1.05% above avgNationally 2.88%
Details

Business Share Certificates; Certificate Special; Limited time special; Penalty for early withdrawal; Rates effective as of October 1, 2026

Rate History
1 change since Sep 14, 2026 · 3.66% → 4.18% ▲ 0.52 pts · high 4.18% / low 3.66%
3.14%3.92%4.70%Sep 14, 2026: 3.66% APYOct 14, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20264.18%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
24 Month Certificate
$100
4.00% ▲ 0.87% above Montana avg
View
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▲ 0.87% above avgNationally 2.88%
Details

Minimum opening balance $100.00 to $499.99; requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (ages 13 through 18)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 14, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
24 Month Certificates
$0
3.89% ▲ 0.76% above Montana avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▲ 0.76% above avgNationally 2.88%
Details

Balance: $100,000+

Rate History
1 change since Sep 18, 2026 · 3.69% → 3.89% ▲ 0.20 pts · high 3.89% / low 3.69%
3.19%3.79%4.39%Sep 18, 2026: 3.69% APYOct 5, 2026: 3.89% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.89%▲ from 3.69%
  • Sep 18, 20263.69%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA 24 Month Certificates
$0
3.89% ▲ 0.76% above Montana avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▲ 0.76% above avgNationally 2.88%
Details

Balance: $100,000+

Rate History
1 change since Sep 18, 2026 · 3.69% → 3.89% ▲ 0.20 pts · high 3.89% / low 3.69%
3.19%3.79%4.39%Sep 18, 2026: 3.69% APYOct 5, 2026: 3.89% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.89%▲ from 3.69%
  • Sep 18, 20263.69%first recorded
St Pats Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
2 Year Term Share Certificate
$0
3.87% ▲ 0.74% above Montana avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.13%▲ 0.74% above avgNationally 2.88%
Details

APY* = Annual Percentage Rate; Substantial penalty (90 days interest) for early withdrawal

Rate History
No change since Oct 9, 2026 · 3.87% APY · checked 2 times
3.37%3.87%4.37%Oct 9, 2026: 3.87% APYOct 9, 2026Oct 14, 2026
Unity Bank Augusta, WI
Institution Rating:
F1.0 ★Texas Ratio: 70.30%
24 Month IRA CD
$2,500
3.85% ▲ 0.72% above Montana avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▲ 0.72% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 8, 2026: 3.85% APYOct 8, 2026Oct 14, 2026
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
IRA Certificates - 2 Years
$0
3.76% ▲ 0.63% above Montana avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▲ 0.63% above avgNationally 2.88%
Details

Balance: $2,000 and over; Dividends compounded and credited monthly

Rate History
1 change since Sep 14, 2026 · 3.66% → 3.76% ▲ 0.10 pts · high 3.76% / low 3.66%
3.16%3.71%4.26%Sep 14, 2026: 3.66% APYOct 10, 2026: 3.76% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.76%▲ from 3.66%
  • Sep 14, 20263.66%first recorded
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
Regular Certificates - 2 Years
$0
3.76% ▲ 0.63% above Montana avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▲ 0.63% above avgNationally 2.88%
Details

Balance: $1,000 and over; Dividends compounded and credited monthly

Rate History
No change since Oct 14, 2026 · 3.76% APY
3.26%3.76%4.26%Oct 14, 2026: 3.76% APYOct 14, 2026Oct 14, 2026
Lincoln County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Share Certificate - 2 Years
$1,000
3.75% ▲ 0.62% above Montana avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.13%▲ 0.62% above avgNationally 2.88%
Details

Minimum $1,000; A penalty will be imposed for early withdrawal; Rates can change daily

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 9, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
24-Month Share Certificate
$500
3.75% ▲ 0.62% above Montana avg
View
▼
Rate3.69%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▲ 0.62% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 14, 2026: 3.40% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.75%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
24 Month Certificates
$0
3.69% ▲ 0.56% above Montana avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▲ 0.56% above avgNationally 2.88%
Details

Balance: $50,000 - $99,999

Rate History
1 change since Sep 18, 2026 · 3.49% → 3.69% ▲ 0.20 pts · high 3.69% / low 3.49%
2.99%3.59%4.19%Sep 18, 2026: 3.49% APYOct 5, 2026: 3.69% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.69%▲ from 3.49%
  • Sep 18, 20263.49%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA 24 Month Certificates
$0
3.69% ▲ 0.56% above Montana avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▲ 0.56% above avgNationally 2.88%
Details

Balance: $50,000 - $99,999

Rate History
1 change since Sep 18, 2026 · 3.49% → 3.69% ▲ 0.20 pts · high 3.69% / low 3.49%
2.99%3.59%4.19%Sep 18, 2026: 3.49% APYOct 5, 2026: 3.69% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.69%▲ from 3.49%
  • Sep 18, 20263.49%first recorded
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 month CD
$1,000
3.60% ▲ 0.47% above Montana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▲ 0.47% above avgNationally 2.88%
Details

Share Certificate Rates; $1000 minimum

Rate History
No change since Sep 12, 2026 · 3.60% APY · checked 6 times
3.10%3.60%4.10%Sep 12, 2026: 3.60% APYSep 12, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
24 Month Individual Retirement Certificates
$0
3.60% ▲ 0.47% above Montana avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▲ 0.47% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
24 Month Share Certificate
$0
3.60% ▲ 0.47% above Montana avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▲ 0.47% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Individual Retirement Certificates 24 Months
$0
3.60% ▲ 0.47% above Montana avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▲ 0.47% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Share Certificate - 24 Months
$0
3.60% ▲ 0.47% above Montana avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▲ 0.47% above avgNationally 2.88%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 7 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
24 Month Certificates of Deposits
$0
3.60% ▲ 0.47% above Montana avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▲ 0.47% above avgNationally 2.88%
Details

Rates effective October 1, 2026; APY calculated based upon monthly interest

Rate History
No change since Oct 10, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 10, 2026: 3.60% APYOct 10, 2026Oct 14, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
Share Certificate of Deposit - 24 Months
$500
3.54% ▲ 0.41% above Montana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▲ 0.41% above avgNationally 2.88%
Details

Rate History
1 change since Sep 25, 2026 · 3.25% → 3.54% ▲ 0.29 pts · high 3.54% / low 3.25%
2.75%3.40%4.04%Sep 25, 2026: 3.25% APYOct 4, 2026: 3.54% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20263.54%▲ from 3.25%
  • Sep 25, 20263.25%first recorded
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
Share Certificates - 2 Year
$2,000
3.40% ▲ 0.27% above Montana avg
View
▼
Rate3.40%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.13%▲ 0.27% above avgNationally 2.88%
Details

Early Withdraw Penalty: 180 Dividend Days

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
24 Month Certificates
$0
3.34% ▲ 0.21% above Montana avg
View
▼
Rate3.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▲ 0.21% above avgNationally 2.88%
Details

Balance: $25,000 - $49,999

Rate History
1 change since Sep 18, 2026 · 3.14% → 3.34% ▲ 0.20 pts · high 3.34% / low 3.14%
2.64%3.24%3.84%Sep 18, 2026: 3.14% APYOct 5, 2026: 3.34% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.34%▲ from 3.14%
  • Sep 18, 20263.14%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA 24 Month Certificates
$0
3.34% ▲ 0.21% above Montana avg
View
▼
Rate3.29%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▲ 0.21% above avgNationally 2.88%
Details

Balance: $10,000 - $49,999

Rate History
1 change since Sep 18, 2026 · 3.14% → 3.34% ▲ 0.20 pts · high 3.34% / low 3.14%
2.64%3.24%3.84%Sep 18, 2026: 3.14% APYOct 5, 2026: 3.34% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.34%▲ from 3.14%
  • Sep 18, 20263.14%first recorded
Daniels-Sheridan Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
2-Year Share Certificate
$500
3.30% ▲ 0.17% above Montana avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▲ 0.17% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 7 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
Montana Educators Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
Share Certificates - 2 years
$1,000
3.25% ▲ 0.12% above Montana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▲ 0.12% above avgNationally 2.88%
Details

Penalty for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
Belt Valley Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.38%
2 Year Certificate
$500
3.23% ▲ 0.10% above Montana avg
View
▼
Rate3.19%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average3.13%▲ 0.10% above avgNationally 2.88%
Details

Rate History
No change since Sep 7, 2026 · 3.23% APY · checked 3 times
2.73%3.23%3.73%Sep 7, 2026: 3.23% APYSep 7, 2026Oct 14, 2026
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month IRA Share Certificate
$1,000
3.03% ▼ 0.10% below Montana avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▼ 0.10% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.03% APY · checked 2 times
2.53%3.03%3.53%Oct 8, 2026: 3.03% APYOct 8, 2026Oct 14, 2026
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Share Certificate
$1,000
3.03% ▼ 0.10% below Montana avg
View
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▼ 0.10% below avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.03% APY · checked 2 times
2.53%3.03%3.53%Oct 8, 2026: 3.03% APYOct 8, 2026Oct 14, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
24 Month Share Certificate (CD)
$1,000
3.00% ▼ 0.13% below Montana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▼ 0.13% below avgNationally 2.88%
Details

Balance: $10,000 - $100,000+

Rate History
1 change since Sep 18, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 18, 2026: 2.75% APYSep 20, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
  • Sep 20, 20263.00%▲ from 2.75%
  • Sep 18, 20262.75%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
24 Month Certificates
$0
2.99% ▼ 0.14% below Montana avg
View
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▼ 0.14% below avgNationally 2.88%
Details

Balance: $10,000 - $24,999

Rate History
1 change since Sep 18, 2026 · 2.79% → 2.99% ▲ 0.20 pts · high 2.99% / low 2.79%
2.29%2.89%3.49%Sep 18, 2026: 2.79% APYOct 5, 2026: 2.99% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20262.99%▲ from 2.79%
  • Sep 18, 20262.79%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
24 Month Certificates
$0
2.84% ▼ 0.29% below Montana avg
View
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▼ 0.29% below avgNationally 2.88%
Details

Balance: $500 - $9,999

Rate History
1 change since Sep 18, 2026 · 2.64% → 2.84% ▲ 0.20 pts · high 2.84% / low 2.64%
2.14%2.74%3.34%Sep 18, 2026: 2.64% APYOct 5, 2026: 2.84% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20262.84%▲ from 2.64%
  • Sep 18, 20262.64%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA 24 Month Certificates
$0
2.84% ▼ 0.29% below Montana avg
View
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▼ 0.29% below avgNationally 2.88%
Details

Balance: $500 - $9,999

Rate History
1 change since Sep 18, 2026 · 2.64% → 2.84% ▲ 0.20 pts · high 2.84% / low 2.64%
2.14%2.74%3.34%Sep 18, 2026: 2.64% APYOct 5, 2026: 2.84% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20262.84%▲ from 2.64%
  • Sep 18, 20262.64%first recorded
Freedom Bank Columbia Falls, MT
Institution Rating:
A+5.0 ★Texas Ratio: 4.15%
24 Month CD
$500
2.78% ▼ 0.35% below Montana avg
View
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.13%▼ 0.35% below avgNationally 2.88%
Details

Under $10,000.00; Balance: Under $10,000.00; Minimum Balance to Obtain APY: $500

Rate History
No change since Sep 30, 2026 · 2.78% APY · checked 5 times
2.28%2.78%3.28%Sep 30, 2026: 2.78% APYSep 30, 2026Oct 14, 2026
Northwestern Energy Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
I2 2-year Certificate
$1,000
2.77% ▼ 0.36% below Montana avg
View
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.13%▼ 0.36% below avgNationally 2.88%
Details

Share Certificates - Effective May 1, 2022; Daily Balance/Semi-Annual Dividend, Posts to Shares

Rate History
No change since Oct 9, 2026 · 2.77% APY · checked 2 times
2.27%2.77%3.27%Oct 9, 2026: 2.77% APYOct 9, 2026Oct 14, 2026
Mountain West Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.80%
24 Month Share Certificate (CD)
$1,000
2.75% ▼ 0.38% below Montana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.13%▼ 0.38% below avgNationally 2.88%
Details

Balance: $0 - $10,000

Rate History
No change since Sep 20, 2026 · 2.75% APY · checked 2 times
2.25%2.75%3.25%Sep 20, 2026: 2.75% APYSep 20, 2026Oct 14, 2026

Great Falls 36 Month CD Rates

Montana 36 Month CD Average2.91% APYNational 2.81%▲ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1915 10th Ave S, Great Falls, MT 59405
36 Month IRA
$500
3.61% ▲ 0.70% above Montana avg
View
▼
Rate3.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average2.91%▲ 0.70% above avgNationally 2.81%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1915 10th Ave S, Great Falls, MT 59405
Certificates - 36 Month
$1,000
3.61% ▲ 0.70% above Montana avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average2.91%▲ 0.70% above avgNationally 2.81%
Details

Balance: $1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.61% APY
3.11%3.61%4.11%Oct 13, 2026: 3.61% APYOct 13, 2026Oct 14, 2026
Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
15 14th St S, Great Falls, MT 59401 3800
36 Month Share Certificate
$1,000
3.50% ▲ 0.59% above Montana avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.91%▲ 0.59% above avgNationally 2.81%
Details

Rates and terms are valid for both share certificates and IRA share certificates. Early withdrawal penalties apply. Fees may reduce earnings. Other rates and terms available.

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 14, 2026
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6200 3rd Ave N, Great Falls, MT 59405 1528
36 Month Regular Certificates
$10,000
1.97% ▼ 0.94% below Montana avg
View
▼
Rate1.95%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.91%▼ 0.94% below avgNationally 2.81%
Details

Share Certificate Rates; Regular Certificates (Minimum Opening Balance $10,000)

Rate History
1 change since Sep 20, 2026 · 1.87% → 1.97% ▲ 0.10 pts · high 1.97% / low 1.87%
1.37%1.92%2.47%Sep 20, 2026: 1.87% APYOct 8, 2026: 1.97% APYSep 20, 2026Oct 14, 2026
  • Oct 8, 20261.97%▲ from 1.87%
  • Sep 20, 20261.87%first recorded
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6200 3rd Ave N, Great Falls, MT 59405 1528
Regular Certificates - 36 Months
$50,000
1.97% ▼ 0.94% below Montana avg
View
▼
Rate1.95%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.91%▼ 0.94% below avgNationally 2.81%
Details

Share Certificate; Minimum Opening Balance $50,000

Rate History
No change since Sep 25, 2026 · 1.97% APY · checked 3 times
1.47%1.97%2.47%Sep 25, 2026: 1.97% APYSep 25, 2026Oct 14, 2026
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6200 3rd Ave N, Great Falls, MT 59405 1528
Regular Certificates - 36 Months
$500
1.87% ▼ 1.04% below Montana avg
View
▼
Rate1.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.91%▼ 1.04% below avgNationally 2.81%
Details

Minimum Opening Balance $500

Rate History
1 change since Sep 25, 2026 · 1.97% → 1.87% ▼ 0.10 pts · high 1.97% / low 1.87%
1.37%1.92%2.47%Sep 25, 2026: 1.97% APYOct 12, 2026: 1.87% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20261.87%▼ from 1.97%
  • Sep 25, 20261.97%first recorded
The Family First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.95%
2901 11th Ave s, Great Falls, MT 59405 5301
3 Year Share Certificate
$0
0.20% ▼ 2.71% below Montana avg
View
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average2.91%▼ 2.71% below avgNationally 2.81%
Details

Rate History
No change since Sep 17, 2026 · 0.20% APY · checked 9 times
0.00%0.35%0.70%Sep 17, 2026: 0.20% APYSep 17, 2026Oct 14, 2026
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
36-Month Certificate
$100
4.00% ▲ 1.09% above Montana avg
View
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.91%▲ 1.09% above avgNationally 2.81%
Details

Opening balance: $100.00 to $499.99; requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (ages 13 to 18)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 14, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
36 Month Certificates
$0
3.99% ▲ 1.08% above Montana avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.91%▲ 1.08% above avgNationally 2.81%
Details

Balance: $100,000+

Rate History
1 change since Sep 18, 2026 · 3.69% → 3.99% ▲ 0.30 pts · high 3.99% / low 3.69%
3.19%3.84%4.49%Sep 18, 2026: 3.69% APYOct 5, 2026: 3.99% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.99%▲ from 3.69%
  • Sep 18, 20263.69%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA 36 Month Certificates
$0
3.99% ▲ 1.08% above Montana avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.91%▲ 1.08% above avgNationally 2.81%
Details

Balance: $100,000+

Rate History
1 change since Sep 18, 2026 · 3.69% → 3.99% ▲ 0.30 pts · high 3.99% / low 3.69%
3.19%3.84%4.49%Sep 18, 2026: 3.69% APYOct 5, 2026: 3.99% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.99%▲ from 3.69%
  • Sep 18, 20263.69%first recorded
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
IRA Certificates - 3 Years
$0
3.82% ▲ 0.91% above Montana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.91%▲ 0.91% above avgNationally 2.81%
Details

Balance: $2,000 and over; Dividends compounded and credited monthly

Rate History
1 change since Sep 14, 2026 · 3.71% → 3.82% ▲ 0.11 pts · high 3.82% / low 3.71%
3.21%3.77%4.32%Sep 14, 2026: 3.71% APYOct 10, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.82%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
Regular Certificates - 3 Years
$0
3.82% ▲ 0.91% above Montana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.91%▲ 0.91% above avgNationally 2.81%
Details

Balance: $1,000 and over; Dividends compounded and credited monthly

Rate History
No change since Oct 14, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 14, 2026: 3.82% APYOct 14, 2026Oct 14, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
Share Certificate of Deposit - 36 Months
$500
3.80% ▲ 0.89% above Montana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.91%▲ 0.89% above avgNationally 2.81%
Details

Rate History
1 change since Sep 25, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50%
3.00%3.65%4.30%Sep 25, 2026: 3.50% APYOct 4, 2026: 3.80% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20263.80%▲ from 3.50%
  • Sep 25, 20263.50%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
36 Month Certificates
$0
3.79% ▲ 0.88% above Montana avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.91%▲ 0.88% above avgNationally 2.81%
Details

Balance: $50,000 - $99,999

Rate History
1 change since Sep 18, 2026 · 3.49% → 3.79% ▲ 0.30 pts · high 3.79% / low 3.49%
2.99%3.64%4.29%Sep 18, 2026: 3.49% APYOct 5, 2026: 3.79% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.79%▲ from 3.49%
  • Sep 18, 20263.49%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA 36 Month Certificates
$0
3.79% ▲ 0.88% above Montana avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.91%▲ 0.88% above avgNationally 2.81%
Details

Balance: $50,000 - $99,999

Rate History
1 change since Sep 18, 2026 · 3.49% → 3.79% ▲ 0.30 pts · high 3.79% / low 3.49%
2.99%3.64%4.29%Sep 18, 2026: 3.49% APYOct 5, 2026: 3.79% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.79%▲ from 3.49%
  • Sep 18, 20263.49%first recorded
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 month CD
$1,000
3.75% ▲ 0.84% above Montana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.91%▲ 0.84% above avgNationally 2.81%
Details

Share Certificate Rates; $1000 minimum

Rate History
No change since Sep 12, 2026 · 3.75% APY · checked 6 times
3.25%3.75%4.25%Sep 12, 2026: 3.75% APYSep 12, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
36 Month Individual Retirement Certificates
$0
3.65% ▲ 0.74% above Montana avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.91%▲ 0.74% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 18, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 18, 2026: 3.65% APYSep 18, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
36 Month Share Certificate
$0
3.65% ▲ 0.74% above Montana avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.91%▲ 0.74% above avgNationally 2.81%
Details

No Bump; Balance: N/A

Rate History
No change since Oct 14, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Individual Retirement Certificates 36 Months
$0
3.65% ▲ 0.74% above Montana avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.91%▲ 0.74% above avgNationally 2.81%
Details

Balance: $1,000 - $9,999.99

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 7 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Share Certificate - 36 Month - No Bump
$0
3.65% ▲ 0.74% above Montana avg
View
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.91%▲ 0.74% above avgNationally 2.81%
Details

No Bump; Minimum Balance: N/A

Rate History
No change since Oct 14, 2026 · 3.65% APY
3.15%3.65%4.15%Oct 14, 2026: 3.65% APYOct 14, 2026Oct 14, 2026
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
36 Month Certificates of Deposits
$0
3.65% ▲ 0.74% above Montana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.91%▲ 0.74% above avgNationally 2.81%
Details

Rates effective October 1, 2026; APY calculated based upon monthly interest

Rate History
No change since Oct 10, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 10, 2026: 3.65% APYOct 10, 2026Oct 14, 2026
Lincoln County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Share Certificate - 3 Years
$1,000
3.50% ▲ 0.59% above Montana avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average2.91%▲ 0.59% above avgNationally 2.81%
Details

Minimum $1,000; A penalty will be imposed for early withdrawal; Rates can change daily

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APYOct 9, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
36-Month Share Certificate Step Up
$500
3.50% ▲ 0.59% above Montana avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.91%▲ 0.59% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 14, 2026: 3.40% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.50%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
36 Month Certificates
$0
3.44% ▲ 0.53% above Montana avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.91%▲ 0.53% above avgNationally 2.81%
Details

Balance: $25,000 - $49,999

Rate History
1 change since Sep 18, 2026 · 3.14% → 3.44% ▲ 0.30 pts · high 3.44% / low 3.14%
2.64%3.29%3.94%Sep 18, 2026: 3.14% APYOct 5, 2026: 3.44% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.44%▲ from 3.14%
  • Sep 18, 20263.14%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA 36 Month Certificates
$0
3.44% ▲ 0.53% above Montana avg
View
▼
Rate3.39%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.91%▲ 0.53% above avgNationally 2.81%
Details

Balance: $10,000 - $49,999

Rate History
1 change since Sep 18, 2026 · 3.14% → 3.44% ▲ 0.30 pts · high 3.44% / low 3.14%
2.64%3.29%3.94%Sep 18, 2026: 3.14% APYOct 5, 2026: 3.44% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.44%▲ from 3.14%
  • Sep 18, 20263.14%first recorded
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
Share Certificates - 3 Year
$2,000
3.30% ▲ 0.39% above Montana avg
View
▼
Rate3.30%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average2.91%▲ 0.39% above avgNationally 2.81%
Details

Early Withdraw Penalty: 180 Dividend Days

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
Belt Valley Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.38%
3 Year Certificate
$500
3.14% ▲ 0.23% above Montana avg
View
▼
Rate3.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average2.91%▲ 0.23% above avgNationally 2.81%
Details

Rate History
1 change since Sep 7, 2026 · 3.59% → 3.14% ▼ 0.45 pts · high 3.59% / low 3.14%
2.64%3.37%4.09%Sep 7, 2026: 3.59% APYOct 7, 2026: 3.14% APYSep 7, 2026Oct 14, 2026
  • Oct 7, 20263.14%▼ from 3.59%
  • Sep 7, 20263.59%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
36 Month Certificates
$0
3.09% ▲ 0.18% above Montana avg
View
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.91%▲ 0.18% above avgNationally 2.81%
Details

Balance: $10,000 - $24,999

Rate History
1 change since Sep 18, 2026 · 2.79% → 3.09% ▲ 0.30 pts · high 3.09% / low 2.79%
2.29%2.94%3.59%Sep 18, 2026: 2.79% APYOct 5, 2026: 3.09% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.09%▲ from 2.79%
  • Sep 18, 20262.79%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
36 Month Certificates
$0
2.94% ▲ 0.03% above Montana avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.91%▲ 0.03% above avgNationally 2.81%
Details

Balance: $500 - $9,999

Rate History
1 change since Sep 18, 2026 · 2.64% → 2.94% ▲ 0.30 pts · high 2.94% / low 2.64%
2.14%2.79%3.44%Sep 18, 2026: 2.64% APYOct 5, 2026: 2.94% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20262.94%▲ from 2.64%
  • Sep 18, 20262.64%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA 36 Month Certificates
$0
2.94% ▲ 0.03% above Montana avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.91%▲ 0.03% above avgNationally 2.81%
Details

Balance: $500 - $9,999

Rate History
1 change since Sep 18, 2026 · 2.64% → 2.94% ▲ 0.30 pts · high 2.94% / low 2.64%
2.14%2.79%3.44%Sep 18, 2026: 2.64% APYOct 5, 2026: 2.94% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20262.94%▲ from 2.64%
  • Sep 18, 20262.64%first recorded
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
IRA 36 Month Fixed
$100
2.63% ▼ 0.28% below Montana avg
View
▼
Rate2.60%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average2.91%▼ 0.28% below avgNationally 2.81%
Details

Rate History
1 change since Sep 11, 2026 · 2.52% → 2.63% ▲ 0.11 pts · high 2.63% / low 2.52%
2.02%2.58%3.13%Sep 11, 2026: 2.52% APYSep 19, 2026: 2.63% APYSep 11, 2026Oct 14, 2026
  • Sep 19, 20262.63%▲ from 2.52%
  • Sep 11, 20262.52%first recorded
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
IRA 36 Month Variable
$100
2.63% ▼ 0.28% below Montana avg
View
▼
Rate2.60%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average2.91%▼ 0.28% below avgNationally 2.81%
Details

Rate History
1 change since Sep 11, 2026 · 2.52% → 2.63% ▲ 0.11 pts · high 2.63% / low 2.52%
2.02%2.58%3.13%Sep 11, 2026: 2.52% APYSep 19, 2026: 2.63% APYSep 11, 2026Oct 14, 2026
  • Sep 19, 20262.63%▲ from 2.52%
  • Sep 11, 20262.52%first recorded
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
36 Month Standard Certificates of Deposit
$1,000
2.50% ▼ 0.41% below Montana avg
View
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average2.91%▼ 0.41% below avgNationally 2.81%
Details

Interest Frequency: 6 Months; Early Withdrawal Penalty: 365 Days

Rate History
No change since Sep 19, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 19, 2026: 2.50% APYSep 19, 2026Oct 14, 2026
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
36 Month Certificate
$500
2.49% ▼ 0.42% below Montana avg
View
▼
Rate2.47%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average2.91%▼ 0.42% below avgNationally 2.81%
Details

Interest Frequency: 6 Months; Early Withdrawal Penalty: 365 Days

Rate History
No change since Oct 7, 2026 · 2.49% APY · checked 2 times
1.99%2.49%2.99%Oct 7, 2026: 2.49% APYOct 7, 2026Oct 14, 2026
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
3 Year Fixed CD
$100
2.12% ▼ 0.79% below Montana avg
View
▼
Rate2.10%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average2.91%▼ 0.79% below avgNationally 2.81%
Details

Rate History
1 change since Sep 11, 2026 · 2.02% → 2.12% ▲ 0.10 pts · high 2.12% / low 2.02%
1.52%2.07%2.62%Sep 11, 2026: 2.02% APYSep 19, 2026: 2.12% APYSep 11, 2026Oct 14, 2026
  • Sep 19, 20262.12%▲ from 2.02%
  • Sep 11, 20262.02%first recorded
Farmers State Bank Victor, MT
Institution Rating:
A4.8 ★Texas Ratio: 6.69%
3 Year Certificate
$1,000
2.02% ▼ 0.89% below Montana avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average2.91%▼ 0.89% below avgNationally 2.81%
Details

Rate History
No change since Sep 11, 2026 · 2.02% APY · checked 8 times
1.52%2.02%2.52%Sep 11, 2026: 2.02% APYSep 11, 2026Oct 14, 2026
Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Term Certificates - 36 Month
$0
1.75% ▼ 1.16% below Montana avg
View
▼
Rate1.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.91%▼ 1.16% below avgNationally 2.81%
Details

Balance: $500

Rate History
No change since Sep 25, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Sep 25, 2026: 1.75% APYSep 25, 2026Oct 14, 2026
Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Traditional/ROTH IRA Certificates - 3 Year Fixed
$0
1.75% ▼ 1.16% below Montana avg
View
▼
Rate1.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.91%▼ 1.16% below avgNationally 2.81%
Details

Balance: $500

Rate History
No change since Oct 4, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 4, 2026: 1.75% APYOct 4, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Business Certificate of Deposit (CD)
$0
1.61% ▼ 1.30% below Montana avg
View
▼
Rate1.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.91%▼ 1.30% below avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 1.36% → 1.61% ▲ 0.25 pts · high 1.61% / low 1.36%
0.86%1.48%2.11%Sep 14, 2026: 1.36% APYSep 28, 2026: 1.61% APYSep 14, 2026Oct 14, 2026
  • Sep 28, 20261.61%▲ from 1.36%
  • Sep 14, 20261.36%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month CD
$100,000
1.61% ▼ 1.30% below Montana avg
View
▼
Rate1.60%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.91%▼ 1.30% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 1.61% APY · checked 2 times
1.11%1.61%2.11%Oct 8, 2026: 1.61% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Month Certificate
$0
1.56% ▼ 1.35% below Montana avg
View
▼
Rate1.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.91%▼ 1.35% below avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 1.36% → 1.56% ▲ 0.20 pts · high 1.61% / low 1.36%
0.86%1.48%2.11%Sep 14, 2026: 1.36% APYSep 24, 2026: 1.61% APYOct 8, 2026: 1.56% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20261.56%▼ from 1.61%
  • Sep 24, 20261.61%▲ from 1.36%
  • Sep 14, 20261.36%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Business Certificate of Deposit (CD) - 36 Months
$0
1.56% ▼ 1.35% below Montana avg
View
▼
Rate1.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.91%▼ 1.35% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 1.56% APY · checked 2 times
1.06%1.56%2.06%Oct 8, 2026: 1.56% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Business Certificate of Deposit (CD) - 36 Months
$0
1.51% ▼ 1.40% below Montana avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.91%▼ 1.40% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 8, 2026: 1.51% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit (CD) - 36 Months
$0
1.51% ▼ 1.40% below Montana avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.91%▼ 1.40% below avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 8, 2026: 1.51% APYOct 8, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
36 Month Certificate of Deposit
$500
1.50% ▼ 1.41% below Montana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average2.91%▼ 1.41% below avgNationally 2.81%
Details

All certificates can be added onto, $200 minimum add on.

Rate History
No change since Oct 7, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 7, 2026: 1.50% APYOct 7, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
36 month IRA
$0
1.50% ▼ 1.41% below Montana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average2.91%▼ 1.41% below avgNationally 2.81%
Details

Rate History
No change since Sep 9, 2026 · 1.50% APY · checked 7 times
1.00%1.50%2.00%Sep 9, 2026: 1.50% APYSep 9, 2026Oct 14, 2026

Great Falls 48 Month CD Rates

Montana 48 Month CD Average2.78% APYNational 2.80%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
15 14th St S, Great Falls, MT 59401 3800
48 Month Share Certificate
$1,000
3.50% ▲ 0.72% above Montana avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.78%▲ 0.72% above avgNationally 2.80%
Details

Rates and terms are valid for both share certificates and IRA share certificates. Early withdrawal penalties apply. Fees may reduce earnings. Other rates and terms available.

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1915 10th Ave S, Great Falls, MT 59405
48 Month IRA
$500
3.45% ▲ 0.67% above Montana avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average2.78%▲ 0.67% above avgNationally 2.80%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1915 10th Ave S, Great Falls, MT 59405
Certificates - 48 Month
$0
3.45% ▲ 0.67% above Montana avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average2.78%▲ 0.67% above avgNationally 2.80%
Details

Balance: $1,000.00 to $24,999.99

Rate History
No change since Oct 13, 2026 · 3.45% APY
2.95%3.45%3.95%Oct 13, 2026: 3.45% APYOct 13, 2026Oct 14, 2026
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6200 3rd Ave N, Great Falls, MT 59405 1528
48 Month Regular Certificates
$10,000
2.07% ▼ 0.71% below Montana avg
View
▼
Rate2.05%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.78%▼ 0.71% below avgNationally 2.80%
Details

Share Certificate Rates; Regular Certificates (Minimum Opening Balance $10,000)

Rate History
1 change since Sep 20, 2026 · 1.97% → 2.07% ▲ 0.10 pts · high 2.07% / low 1.97%
1.47%2.02%2.57%Sep 20, 2026: 1.97% APYOct 8, 2026: 2.07% APYSep 20, 2026Oct 14, 2026
  • Oct 8, 20262.07%▲ from 1.97%
  • Sep 20, 20261.97%first recorded
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6200 3rd Ave N, Great Falls, MT 59405 1528
Regular Certificates - 48 Months
$50,000
2.07% ▼ 0.71% below Montana avg
View
▼
Rate2.05%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.78%▼ 0.71% below avgNationally 2.80%
Details

Share Certificate; Minimum Opening Balance $50,000

Rate History
No change since Sep 25, 2026 · 2.07% APY · checked 3 times
1.57%2.07%2.57%Sep 25, 2026: 2.07% APYSep 25, 2026Oct 14, 2026
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6200 3rd Ave N, Great Falls, MT 59405 1528
Regular Certificates - 48 Months
$500
1.97% ▼ 0.81% below Montana avg
View
▼
Rate1.95%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.78%▼ 0.81% below avgNationally 2.80%
Details

Minimum Opening Balance $500

Rate History
1 change since Sep 25, 2026 · 2.07% → 1.97% ▼ 0.10 pts · high 2.07% / low 1.97%
1.47%2.02%2.57%Sep 25, 2026: 2.07% APYOct 12, 2026: 1.97% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20261.97%▼ from 2.07%
  • Sep 25, 20262.07%first recorded
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
48-Month Certificate
$100
4.00% ▲ 1.22% above Montana avg
View
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.78%▲ 1.22% above avgNationally 2.80%
Details

Balance: $100.00 to $499.99; Requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (ages 13 to 18)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 14, 2026
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
Share Certificate of Deposit - 48 Months
$500
3.85% ▲ 1.07% above Montana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.78%▲ 1.07% above avgNationally 2.80%
Details

Rate History
1 change since Sep 25, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75%
3.25%3.80%4.35%Sep 25, 2026: 3.75% APYOct 4, 2026: 3.85% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20263.85%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 month CD
$1,000
3.85% ▲ 1.07% above Montana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.78%▲ 1.07% above avgNationally 2.80%
Details

Share Certificate Rates; $1000 minimum

Rate History
No change since Sep 12, 2026 · 3.85% APY · checked 6 times
3.35%3.85%4.35%Sep 12, 2026: 3.85% APYSep 12, 2026Oct 14, 2026
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
IRA Certificates - 4 Years
$0
3.82% ▲ 1.04% above Montana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.78%▲ 1.04% above avgNationally 2.80%
Details

Balance: $2,000 and over; Dividends compounded and credited monthly

Rate History
1 change since Sep 14, 2026 · 3.71% → 3.82% ▲ 0.11 pts · high 3.82% / low 3.71%
3.21%3.77%4.32%Sep 14, 2026: 3.71% APYOct 10, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.82%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
Regular Certificates - 4 Years
$0
3.82% ▲ 1.04% above Montana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.78%▲ 1.04% above avgNationally 2.80%
Details

Balance: $1,000 and over; Dividends compounded and credited monthly

Rate History
No change since Oct 14, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 14, 2026: 3.82% APYOct 14, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
48 Month Share Certificate
$0
3.70% ▲ 0.92% above Montana avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.78%▲ 0.92% above avgNationally 2.80%
Details

One Bump; Balance: N/A

Rate History
No change since Oct 14, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Share Certificate - 48 Month - One Bump
$0
3.70% ▲ 0.92% above Montana avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.78%▲ 0.92% above avgNationally 2.80%
Details

One Bump; Minimum Balance: N/A

Rate History
No change since Oct 14, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 14, 2026
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
48 Month Certificates of Deposits
$0
3.65% ▲ 0.87% above Montana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average2.78%▲ 0.87% above avgNationally 2.80%
Details

Rates effective October 1, 2026; APY calculated based upon monthly interest

Rate History
No change since Oct 10, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 10, 2026: 3.65% APYOct 10, 2026Oct 14, 2026
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
Share Certificates - 4 Year
$2,000
3.30% ▲ 0.52% above Montana avg
View
▼
Rate3.30%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average2.78%▲ 0.52% above avgNationally 2.80%
Details

Early Withdraw Penalty: 180 Dividend Days

Rate History
No change since Sep 14, 2026 · 3.30% APY · checked 6 times
2.80%3.30%3.80%Sep 14, 2026: 3.30% APYSep 14, 2026Oct 14, 2026
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
4 Year Fixed CD
$100
2.07% ▼ 0.71% below Montana avg
View
▼
Rate2.05%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average2.78%▼ 0.71% below avgNationally 2.80%
Details

Rate History
1 change since Sep 11, 2026 · 1.91% → 2.07% ▲ 0.16 pts · high 2.07% / low 1.91%
1.41%1.99%2.57%Sep 11, 2026: 1.91% APYSep 19, 2026: 2.07% APYSep 11, 2026Oct 14, 2026
  • Sep 19, 20262.07%▲ from 1.91%
  • Sep 11, 20261.91%first recorded
Peoples Bank of Deer Lodge
Institution Rating:
B4.6 ★Texas Ratio: 19.58%
4 Year Variable CD
$100
2.07% ▼ 0.71% below Montana avg
View
▼
Rate2.05%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average2.78%▼ 0.71% below avgNationally 2.80%
Details

Rate History
1 change since Sep 11, 2026 · 1.91% → 2.07% ▲ 0.16 pts · high 2.07% / low 1.91%
1.41%1.99%2.57%Sep 11, 2026: 1.91% APYSep 19, 2026: 2.07% APYSep 11, 2026Oct 14, 2026
  • Sep 19, 20262.07%▲ from 1.91%
  • Sep 11, 20261.91%first recorded
First Security Bank of Deer Lodge
Institution Rating:
A5.0 ★Texas Ratio: 11.95%
48 Month Certificate of Deposit
$1,000
2.02% ▼ 0.76% below Montana avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.78%▼ 0.76% below avgNationally 2.80%
Details

$1000 Minimum Balance Required to Open Account

Rate History
No change since Oct 3, 2026 · 2.02% APY · checked 3 times
1.52%2.02%2.52%Oct 3, 2026: 2.02% APYOct 3, 2026Oct 14, 2026
Madison Valley Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.90%
48 Month Business Certificates of Deposit
$500
1.86% ▼ 0.92% below Montana avg
View
▼
Rate1.85%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average2.78%▼ 0.92% below avgNationally 2.80%
Details

Rate History
No change since Sep 19, 2026 · 1.86% APY · checked 6 times
1.36%1.86%2.36%Sep 19, 2026: 1.86% APYSep 19, 2026Oct 14, 2026
Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Term Certificates - 48 Month
$0
1.75% ▼ 1.03% below Montana avg
View
▼
Rate1.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.78%▼ 1.03% below avgNationally 2.80%
Details

Balance: $500

Rate History
No change since Sep 25, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Sep 25, 2026: 1.75% APYSep 25, 2026Oct 14, 2026
Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Traditional/ROTH IRA Certificates - 4 Year Fixed
$0
1.75% ▼ 1.03% below Montana avg
View
▼
Rate1.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.78%▼ 1.03% below avgNationally 2.80%
Details

Balance: $500

Rate History
No change since Oct 4, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 4, 2026: 1.75% APYOct 4, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Business Certificate of Deposit (CD)
$0
1.51% ▼ 1.27% below Montana avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.78%▼ 1.27% below avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 1.26% → 1.51% ▲ 0.25 pts · high 1.51% / low 1.26%
0.76%1.38%2.01%Sep 14, 2026: 1.26% APYSep 28, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
  • Sep 28, 20261.51%▲ from 1.26%
  • Sep 14, 20261.26%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month CD
$100,000
1.51% ▼ 1.27% below Montana avg
View
▼
Rate1.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.78%▼ 1.27% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 8, 2026: 1.51% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate
$0
1.46% ▼ 1.32% below Montana avg
View
▼
Rate1.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.78%▼ 1.32% below avgNationally 2.80%
Details

Rate History
2 changes since Sep 14, 2026 · 1.26% → 1.46% ▲ 0.20 pts · high 1.51% / low 1.26%
0.76%1.38%2.01%Sep 14, 2026: 1.26% APYSep 24, 2026: 1.51% APYOct 8, 2026: 1.46% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20261.46%▼ from 1.51%
  • Sep 24, 20261.51%▲ from 1.26%
  • Sep 14, 20261.26%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Business Certificate of Deposit (CD) - 48 Months
$0
1.46% ▼ 1.32% below Montana avg
View
▼
Rate1.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.78%▼ 1.32% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 1.46% APY · checked 2 times
0.96%1.46%1.96%Oct 8, 2026: 1.46% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Business Certificate of Deposit (CD) - 48 Months
$0
1.41% ▼ 1.37% below Montana avg
View
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.78%▼ 1.37% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 1.41% APY · checked 2 times
0.91%1.41%1.91%Oct 8, 2026: 1.41% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit (CD) - 48 Months
$0
1.41% ▼ 1.37% below Montana avg
View
▼
Rate1.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average2.78%▼ 1.37% below avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 1.41% APY · checked 2 times
0.91%1.41%1.91%Oct 8, 2026: 1.41% APYOct 8, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
48 Month Certificate of Deposit
$500
1.25% ▼ 1.53% below Montana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average2.78%▼ 1.53% below avgNationally 2.80%
Details

All certificates can be added onto, $200 minimum add on.

Rate History
No change since Oct 7, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 7, 2026: 1.25% APYOct 7, 2026Oct 14, 2026
The Bank of Commerce
Institution Rating:
A5.0 ★Texas Ratio: 6.88%
48 month IRA
$0
1.25% ▼ 1.53% below Montana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Montana Average2.78%▼ 1.53% below avgNationally 2.80%
Details

Rate History
No change since Sep 9, 2026 · 1.25% APY · checked 7 times
0.75%1.25%1.75%Sep 9, 2026: 1.25% APYSep 9, 2026Oct 14, 2026

Great Falls 60 Month CD Rates

Montana 60 Month CD Average3.18% APYNational 2.91%▲ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
60 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$100,000
3.60% ▲ 0.42% above Montana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▲ 0.42% above avgNationally 2.91%
Details

Rate History
No change since Oct 4, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 4, 2026: 3.60% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
60 Month Share Certificates - Regular
$100,000
3.60% ▲ 0.42% above Montana avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▲ 0.42% above avgNationally 2.91%
Details

Rate History
No change since Oct 4, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 4, 2026: 3.60% APYOct 4, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1915 10th Ave S, Great Falls, MT 59405
60 Month IRA
$500
3.55% ▲ 0.37% above Montana avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.18%▲ 0.37% above avgNationally 2.91%
Details

Balance: $500.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 14, 2026
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.61%
1915 10th Ave S, Great Falls, MT 59405
Certificates - 60 Month
$1,000
3.55% ▲ 0.37% above Montana avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.18%▲ 0.37% above avgNationally 2.91%
Details

Balance: 1,000.00 Minimum Opening Deposit

Rate History
No change since Oct 13, 2026 · 3.55% APY
3.05%3.55%4.05%Oct 13, 2026: 3.55% APYOct 13, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
60 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$50,000
3.50% ▲ 0.32% above Montana avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▲ 0.32% above avgNationally 2.91%
Details

Rate History
No change since Oct 4, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 4, 2026: 3.50% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
60 Month Share Certificates - Regular
$50,000
3.50% ▲ 0.32% above Montana avg
View
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▲ 0.32% above avgNationally 2.91%
Details

Rate History
No change since Oct 4, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 4, 2026: 3.50% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
60 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$10,000
3.45% ▲ 0.27% above Montana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▲ 0.27% above avgNationally 2.91%
Details

Rate History
No change since Oct 4, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 4, 2026: 3.45% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
60 Month Share Certificates - Regular
$10,000
3.45% ▲ 0.27% above Montana avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▲ 0.27% above avgNationally 2.91%
Details

Rate History
No change since Oct 4, 2026 · 3.45% APY · checked 2 times
2.95%3.45%3.95%Oct 4, 2026: 3.45% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
60 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
$2,500
3.25% ▲ 0.07% above Montana avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▲ 0.07% above avgNationally 2.91%
Details

Rate History
No change since Oct 4, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 4, 2026: 3.25% APYOct 4, 2026Oct 14, 2026
Billings Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.23%
501 Park Dr S, Great Falls, MT 59405 1879
60 Month Share Certificates - Regular
$2,500
3.25% ▲ 0.07% above Montana avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▲ 0.07% above avgNationally 2.91%
Details

Rate History
No change since Oct 4, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 4, 2026: 3.25% APYOct 4, 2026Oct 14, 2026
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6200 3rd Ave N, Great Falls, MT 59405 1528
60 Month Regular Certificates
$10,000
2.32% ▼ 0.86% below Montana avg
View
▼
Rate2.30%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▼ 0.86% below avgNationally 2.91%
Details

Share Certificate Rates; Regular Certificates (Minimum Opening Balance $10,000)

Rate History
1 change since Sep 20, 2026 · 2.22% → 2.32% ▲ 0.10 pts · high 2.32% / low 2.22%
1.72%2.27%2.82%Sep 20, 2026: 2.22% APYOct 8, 2026: 2.32% APYSep 20, 2026Oct 14, 2026
  • Oct 8, 20262.32%▲ from 2.22%
  • Sep 20, 20262.22%first recorded
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6200 3rd Ave N, Great Falls, MT 59405 1528
Regular Certificates - 60 Months
$50,000
2.32% ▼ 0.86% below Montana avg
View
▼
Rate2.30%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▼ 0.86% below avgNationally 2.91%
Details

Share Certificate; Minimum Opening Balance $50,000

Rate History
No change since Sep 25, 2026 · 2.32% APY · checked 3 times
1.82%2.32%2.82%Sep 25, 2026: 2.32% APYSep 25, 2026Oct 14, 2026
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
6200 3rd Ave N, Great Falls, MT 59405 1528
Regular Certificates - 60 Months
$500
2.22% ▼ 0.96% below Montana avg
View
▼
Rate2.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▼ 0.96% below avgNationally 2.91%
Details

Minimum Opening Balance $500

Rate History
1 change since Sep 25, 2026 · 2.32% → 2.22% ▼ 0.10 pts · high 2.32% / low 2.22%
1.72%2.27%2.82%Sep 25, 2026: 2.32% APYOct 12, 2026: 2.22% APYSep 25, 2026Oct 14, 2026
  • Oct 12, 20262.22%▼ from 2.32%
  • Sep 25, 20262.32%first recorded
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.78%
60 Month Certificate
$0
4.50% ▲ 1.32% above Montana avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.18%▲ 1.32% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 14, 2026: 4.25% APYOct 5, 2026: 4.50% APYSep 14, 2026Oct 14, 2026
  • Oct 5, 20264.50%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
60 Month Certificates
$0
4.09% ▲ 0.91% above Montana avg
View
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.18%▲ 0.91% above avgNationally 2.91%
Details

Balance: $100,000+

Rate History
1 change since Sep 18, 2026 · 3.69% → 4.09% ▲ 0.40 pts · high 4.09% / low 3.69%
3.19%3.89%4.59%Sep 18, 2026: 3.69% APYOct 5, 2026: 4.09% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20264.09%▲ from 3.69%
  • Sep 18, 20263.69%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA 60 Month Certificates
$0
4.09% ▲ 0.91% above Montana avg
View
▼
Rate4.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.18%▲ 0.91% above avgNationally 2.91%
Details

Balance: $100,000+

Rate History
1 change since Sep 18, 2026 · 3.69% → 4.09% ▲ 0.40 pts · high 4.09% / low 3.69%
3.19%3.89%4.59%Sep 18, 2026: 3.69% APYOct 5, 2026: 4.09% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20264.09%▲ from 3.69%
  • Sep 18, 20263.69%first recorded
Southwest Montana Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.40%
Share Certificate of Deposit - 60 Months
$500
4.06% ▲ 0.88% above Montana avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▲ 0.88% above avgNationally 2.91%
Details

Rate History
1 change since Sep 25, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 25, 2026: 3.80% APYOct 4, 2026: 4.06% APYSep 25, 2026Oct 14, 2026
  • Oct 4, 20264.06%▲ from 3.80%
  • Sep 25, 20263.80%first recorded
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 month CD
$1,000
4.00% ▲ 0.82% above Montana avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▲ 0.82% above avgNationally 2.91%
Details

Share Certificate Rates; $1000 minimum

Rate History
No change since Sep 12, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 12, 2026: 4.00% APYSep 12, 2026Oct 14, 2026
BLACK HILLS
Institution Rating:
A5.0 ★Texas Ratio: 6.04%
60-Month Certificate
$100
4.00% ▲ 0.82% above Montana avg
View
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.18%▲ 0.82% above avgNationally 2.91%
Details

Requires membership in VIBZ Kid$ Club (ages 12 and under) or VIBZ Teen Club (ages 13 to 18); Rates effective as of Oct 1, 2026

Rate History
1 change since Sep 30, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 30, 2026: 3.75% APYOct 1, 2026: 4.00% APYSep 30, 2026Oct 14, 2026
  • Oct 1, 20264.00%▲ from 3.75%
  • Sep 30, 20263.75%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
60 Month Certificates
$0
3.89% ▲ 0.71% above Montana avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.18%▲ 0.71% above avgNationally 2.91%
Details

Balance: $50,000 - $99,999

Rate History
1 change since Sep 18, 2026 · 3.49% → 3.89% ▲ 0.40 pts · high 3.89% / low 3.49%
2.99%3.69%4.39%Sep 18, 2026: 3.49% APYOct 5, 2026: 3.89% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.89%▲ from 3.49%
  • Sep 18, 20263.49%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA 60 Month Certificates
$0
3.89% ▲ 0.71% above Montana avg
View
▼
Rate3.82%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.18%▲ 0.71% above avgNationally 2.91%
Details

Balance: $50,000 - $99,999

Rate History
1 change since Sep 18, 2026 · 3.49% → 3.89% ▲ 0.40 pts · high 3.89% / low 3.49%
2.99%3.69%4.39%Sep 18, 2026: 3.49% APYOct 5, 2026: 3.89% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.89%▲ from 3.49%
  • Sep 18, 20263.49%first recorded
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
IRA Certificates - 5 Years
$0
3.82% ▲ 0.64% above Montana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.18%▲ 0.64% above avgNationally 2.91%
Details

Balance: $2,000 and over; Dividends compounded and credited monthly

Rate History
1 change since Sep 14, 2026 · 3.71% → 3.82% ▲ 0.11 pts · high 3.82% / low 3.71%
3.21%3.77%4.32%Sep 14, 2026: 3.71% APYOct 10, 2026: 3.82% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.82%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.79%
Regular Certificates - 5 Years
$0
3.82% ▲ 0.64% above Montana avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.18%▲ 0.64% above avgNationally 2.91%
Details

Balance: $1,000 and over; Dividends compounded and credited monthly

Rate History
No change since Oct 14, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 14, 2026: 3.82% APYOct 14, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
60 Month Share Certificate
$0
3.70% ▲ 0.52% above Montana avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.18%▲ 0.52% above avgNationally 2.91%
Details

One Bump; Balance: N/A

Rate History
No change since Oct 14, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 14, 2026
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.64%
Share Certificate - 60 Month - One Bump
$0
3.70% ▲ 0.52% above Montana avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.18%▲ 0.52% above avgNationally 2.91%
Details

One Bump; Minimum Balance: N/A

Rate History
No change since Oct 14, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 14, 2026
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.80%
60 Month Certificates of Deposits
$0
3.65% ▲ 0.47% above Montana avg
View
▼
Rate3.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.18%▲ 0.47% above avgNationally 2.91%
Details

Rates effective October 1, 2026; APY calculated based upon monthly interest

Rate History
No change since Oct 10, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 10, 2026: 3.65% APYOct 10, 2026Oct 14, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
60 Month Certificates
$0
3.54% ▲ 0.36% above Montana avg
View
▼
Rate3.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.18%▲ 0.36% above avgNationally 2.91%
Details

Balance: $25,000 - $49,999

Rate History
1 change since Sep 18, 2026 · 3.14% → 3.54% ▲ 0.40 pts · high 3.54% / low 3.14%
2.64%3.34%4.04%Sep 18, 2026: 3.14% APYOct 5, 2026: 3.54% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.54%▲ from 3.14%
  • Sep 18, 20263.14%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA 60 Month Certificates
$0
3.54% ▲ 0.36% above Montana avg
View
▼
Rate3.48%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.18%▲ 0.36% above avgNationally 2.91%
Details

Balance: $10,000 - $49,999

Rate History
1 change since Sep 18, 2026 · 3.14% → 3.54% ▲ 0.40 pts · high 3.54% / low 3.14%
2.64%3.34%4.04%Sep 18, 2026: 3.14% APYOct 5, 2026: 3.54% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.54%▲ from 3.14%
  • Sep 18, 20263.14%first recorded
Lincoln County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Share Certificate - 5 Years
$1,000
3.50% ▲ 0.32% above Montana avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.18%▲ 0.32% above avgNationally 2.91%
Details

Minimum $1,000; A penalty will be imposed for early withdrawal; Rates can change daily

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APYOct 9, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 9, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.42%
60-Month Share Certificate Step Up
$500
3.50% ▲ 0.32% above Montana avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.18%▲ 0.32% above avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40%
2.90%3.45%4.00%Sep 14, 2026: 3.40% APYOct 10, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
  • Oct 10, 20263.50%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.25%
Share Certificates - 5 Year
$2,000
3.40% ▲ 0.22% above Montana avg
View
▼
Rate3.40%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.18%▲ 0.22% above avgNationally 2.91%
Details

Early Withdraw Penalty: 180 Dividend Days

Rate History
No change since Sep 14, 2026 · 3.40% APY · checked 6 times
2.90%3.40%3.90%Sep 14, 2026: 3.40% APYSep 14, 2026Oct 14, 2026
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
60 Month Certificates
$0
3.19% ▲ 0.01% above Montana avg
View
▼
Rate3.14%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.18%▲ 0.01% above avgNationally 2.91%
Details

Balance: $10,000 - $24,999

Rate History
1 change since Sep 18, 2026 · 2.79% → 3.19% ▲ 0.40 pts · high 3.19% / low 2.79%
2.29%2.99%3.69%Sep 18, 2026: 2.79% APYOct 5, 2026: 3.19% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.19%▲ from 2.79%
  • Sep 18, 20262.79%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
60 Month Certificates
$0
3.04% ▼ 0.14% below Montana avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.18%▼ 0.14% below avgNationally 2.91%
Details

Balance: $500 - $9,999

Rate History
1 change since Sep 18, 2026 · 2.64% → 3.04% ▲ 0.40 pts · high 3.04% / low 2.64%
2.14%2.84%3.54%Sep 18, 2026: 2.64% APYOct 5, 2026: 3.04% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.04%▲ from 2.64%
  • Sep 18, 20262.64%first recorded
Altana Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.18%
IRA 60 Month Certificates
$0
3.04% ▼ 0.14% below Montana avg
View
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Montana Average3.18%▼ 0.14% below avgNationally 2.91%
Details

Balance: $500 - $9,999

Rate History
1 change since Sep 18, 2026 · 2.64% → 3.04% ▲ 0.40 pts · high 3.04% / low 2.64%
2.14%2.84%3.54%Sep 18, 2026: 2.64% APYOct 5, 2026: 3.04% APYSep 18, 2026Oct 14, 2026
  • Oct 5, 20263.04%▲ from 2.64%
  • Sep 18, 20262.64%first recorded
Belt Valley Bank
Institution Rating:
B4.5 ★Texas Ratio: 21.38%
5 Year Certificate
$500
2.93% ▼ 0.25% below Montana avg
View
▼
Rate2.90%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average3.18%▼ 0.25% below avgNationally 2.91%
Details

Rate History
1 change since Sep 7, 2026 · 3.44% → 2.93% ▼ 0.51 pts · high 3.44% / low 2.93%
2.42%3.19%3.95%Sep 7, 2026: 3.44% APYOct 7, 2026: 2.93% APYSep 7, 2026Oct 14, 2026
  • Oct 7, 20262.93%▼ from 3.44%
  • Sep 7, 20263.44%first recorded
Flanagan State Bank
Institution Rating:
A4.7 ★Texas Ratio: 2.58%
60 Month Standard Certificates of Deposit
$1,000
2.52% ▼ 0.66% below Montana avg
View
▼
Rate2.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average3.18%▼ 0.66% below avgNationally 2.91%
Details

Interest Frequency: 6 Months; Early Withdrawal Penalty: 365 Days

Rate History
No change since Sep 19, 2026 · 2.52% APY · checked 7 times
2.02%2.52%3.02%Sep 19, 2026: 2.52% APYSep 19, 2026Oct 14, 2026
Farmers State Bank Victor, MT
Institution Rating:
A4.8 ★Texas Ratio: 6.69%
5 Year Certificate
$1,000
2.02% ▼ 1.16% below Montana avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Montana Average3.18%▼ 1.16% below avgNationally 2.91%
Details

Rate History
No change since Sep 11, 2026 · 2.02% APY · checked 8 times
1.52%2.02%2.52%Sep 11, 2026: 2.02% APYSep 11, 2026Oct 14, 2026
Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Term Certificates - 60 Month
$0
1.75% ▼ 1.43% below Montana avg
View
▼
Rate1.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▼ 1.43% below avgNationally 2.91%
Details

Balance: $500

Rate History
No change since Sep 25, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Sep 25, 2026: 1.75% APYSep 25, 2026Oct 14, 2026
Sky Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
Traditional/ROTH IRA Certificates - 5 Year Fixed
$0
1.75% ▼ 1.43% below Montana avg
View
▼
Rate1.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▼ 1.43% below avgNationally 2.91%
Details

Balance: $500

Rate History
No change since Oct 4, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 4, 2026: 1.75% APYOct 4, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Business Certificate of Deposit (CD)
$0
1.56% ▼ 1.62% below Montana avg
View
▼
Rate1.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▼ 1.62% below avgNationally 2.91%
Details

Rate History
1 change since Sep 14, 2026 · 1.31% → 1.56% ▲ 0.25 pts · high 1.56% / low 1.31%
0.81%1.43%2.06%Sep 14, 2026: 1.31% APYSep 28, 2026: 1.56% APYSep 14, 2026Oct 14, 2026
  • Sep 28, 20261.56%▲ from 1.31%
  • Sep 14, 20261.31%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month CD
$100,000
1.56% ▼ 1.62% below Montana avg
View
▼
Rate1.55%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▼ 1.62% below avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 1.56% APY · checked 2 times
1.06%1.56%2.06%Oct 8, 2026: 1.56% APYOct 8, 2026Oct 14, 2026
Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
60 Month Certificate
$0
1.51% ▼ 1.67% below Montana avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Montana Average3.18%▼ 1.67% below avgNationally 2.91%
Details

APY* = Annual Percentage Yield

Rate History
No change since Sep 14, 2026 · 1.51% APY · checked 7 times
1.01%1.51%2.01%Sep 14, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Month Certificate
$0
1.51% ▼ 1.67% below Montana avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▼ 1.67% below avgNationally 2.91%
Details

Rate History
2 changes since Sep 14, 2026 · 1.31% → 1.51% ▲ 0.20 pts · high 1.56% / low 1.31%
0.81%1.43%2.06%Sep 14, 2026: 1.31% APYSep 24, 2026: 1.56% APYOct 8, 2026: 1.51% APYSep 14, 2026Oct 14, 2026
  • Oct 8, 20261.51%▼ from 1.56%
  • Sep 24, 20261.56%▲ from 1.31%
  • Sep 14, 20261.31%first recorded
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Business Certificate of Deposit (CD) - 60 Months
$0
1.51% ▼ 1.67% below Montana avg
View
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▼ 1.67% below avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 1.51% APY · checked 2 times
1.01%1.51%2.01%Oct 8, 2026: 1.51% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Business Certificate of Deposit (CD) - 60 Months
$0
1.46% ▼ 1.72% below Montana avg
View
▼
Rate1.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▼ 1.72% below avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 1.46% APY · checked 2 times
0.96%1.46%1.96%Oct 8, 2026: 1.46% APYOct 8, 2026Oct 14, 2026
Native American Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
Certificate of Deposit (CD) - 60 Months
$0
1.46% ▼ 1.72% below Montana avg
View
▼
Rate1.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Montana Average3.18%▼ 1.72% below avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 1.46% APY · checked 2 times
0.96%1.46%1.96%Oct 8, 2026: 1.46% APYOct 8, 2026Oct 14, 2026
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.

Top CD Rates from Great Falls, Montana Institutions

Highest verified APYs available today, updated October 14, 2026

B Top 5 Bank Rates
Wells Fargo
1 year Standard Fixed Rate
A+ 5.0 ★ TX: 5.36%
Min: $2,500
1.51%
Unity Bank Augusta, WI
24 Month IRA CD
F 1.0 ★ TX: 70.30%
Min: $2,500
3.85%
First Security Bank of Deer Lodge
12 Month Certificate of Deposit
A 5.0 ★ TX: 11.95%
Min: $1,000
3.80%
The Bank of Commerce
180 Day Certificate of Deposit
A 5.0 ★ TX: 6.88%
Min: $500
3.75%
Belt Valley Bank
1 Year Certificate
B 4.5 ★ TX: 21.38%
Min: $500
3.55%
CU Top 5 Credit Union Rates
Horizon Credit Union
12 Month IRA
A+ 5.0 ★ TX: 1.61%
Min: $500
4.38%
Billings Federal Credit Union
18 Month Share Certificates - All Individual Retirement Accounts - (IRAs)
A+ 5.0 ★ TX: 5.23%
Min: $100,000
3.90%
Montana Federal Credit Union
12 Month Share Certificate
A+ 5.0 ★ TX: 1.38%
Min: $1,000
3.50%
1st Liberty Federal Credit Union
60 Month Regular Certificates
A+ 5.0 ★ TX: 0.83%
Min: $10,000
2.32%
The Family First Federal Credit Union
3 Year Share Certificate
A 5.0 ★ TX: 8.95%
Min: $0
0.20%
Rates verified October 14, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

Great Falls, MT CD Rate Trends

Compare local Great Falls, 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
3.306%
▲ 0.011 vs 7 days ago

Montana 12-month CD rates rose 0.011 points over the past 7 days to 3.306% APY.

6-Month CD MT Avg
3.115%
▼ 0.009 vs 7 days ago

Montana 6-month CD rates fell 0.009 points over the past 7 days to 3.115% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

MT CD Rate Forecast, Next 12 Months

Where are Montana CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

MT 12-Month Avg APY
3.306%
6-Month Forecast
3.306%
Range: 3.11%, 3.46%
12-Month Forecast
3.556%
Range: 3.36%, 3.71%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Montana average 12-month CD APY in our database.

Spread model: The Montana 12-month CD average currently trades 1.07% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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 2.394% $119.69 $239.38 $598.45 $1,196.90
6-Month CD 3.115% $155.75 $311.49 $778.73 $1,557.45
12-Month CD 3.306% $165.31 $330.61 $826.53 $1,653.05
18-Month CD 2.976% $148.80 $297.60 $744.00 $1,488.00
24-Month CD 3.129% $156.44 $312.88 $782.20 $1,564.40
36-Month CD 2.906% $145.31 $290.62 $726.55 $1,453.10
48-Month CD 2.782% $139.10 $278.20 $695.50 $1,391.00
60-Month CD 3.180% $159.02 $318.03 $795.07 $1,590.15
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026.
Powered byMonitorBankRates

Sample CD Ladder for Great Falls, 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.

Build Your Ladder
Rung Term Deposit MT Avg APY Annual Earnings
1 3-Month CD $5,000 2.394% $119.69
2 6-Month CD $5,000 3.115% $155.75
3 12-Month CD $5,000 3.306% $165.31
4 24-Month CD $5,000 3.129% $156.44
5 36-Month CD $5,000 2.906% $145.31
Total ($25,000 invested) $25,000 2.970% blended $742.50/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.

Powered byMonitorBankRates
454
CD Rates
Tracked in Great Falls, Montana
12 Banks 27 Credit Unions

About Our Great Falls, Montana CD Rate Database

MonitorBankRates tracks 454 CD rates from 12 banks and 27 credit unions with locations in Great Falls, 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 to 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 4.38% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Great Falls, Montana.

How to Find the Best CD Rates in Great Falls, Montana

What to compare when shopping for a CD in Great Falls, Montana

To find the best APYs in Great Falls, Montana, start with credit unions and online-only banks: Great Falls, Montana has 27 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 Great Falls, 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 Great Falls, Montana: 39 institutions here report CD rates

Consider an Alternative If…

Great Falls, Montana Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
20.0%
National avg: 17.3%
Median Individual Earnings
$39,079
National avg: $47,340
Poverty Rate
14.5%
National avg: 11.1%
Unemployment Rate
3.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$129/yr
At MT 12-mo avg 3.306% APY

20.0% 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 3.306%, saving 10% of the local median salary ($3,907/year) and putting it in a CD would earn an additional $129 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 Great Falls, 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 to 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 Great Falls, 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 Great Falls, 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 Great Falls, Montana as everywhere in the U.S.

Choosing a CD Term in Great Falls, 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 Great Falls, Montana savers easier access to their funds. For example, Billings Federal Credit Union is offering its 6 Month Share Certificates - All Individual Retirement Accounts - (IRAs) at 3.80% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Billings Federal Credit Union is offering its 60 Month Share Certificates - All Individual Retirement Accounts - (IRAs) at 3.60% 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 Great Falls, 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 Great Falls, 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 Great Falls, 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 Great Falls, 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 Great Falls, Montana

Most CDs carry a fixed rate that is locked for the entire term, protecting a Great Falls, 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 Great Falls, Montana

Are CD rates in Great Falls, Montana FDIC insured?

Yes, most established banks in Great Falls, 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 Great Falls, 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 Great Falls, 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 Great Falls, 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 Great Falls, Montana?

Here are recent top rates found for this area:
  • Horizon Credit Union: 4.38% APY (12 Month IRA)
  • Billings Federal Credit Union: 3.90% APY (18 Month Share Certificates - All Individual Retirement Accounts - (IRAs))
  • Montana Federal Credit Union: 3.50% APY (12 Month Share Certificate)
  • 1st Liberty Federal Credit Union: 2.32% APY (60 Month Regular Certificates)
  • Wells Fargo: 1.51% APY (1 year Standard Fixed Rate)
  • The Family First Federal Credit Union: 0.20% APY (3 Year Share Certificate)
  • Mountain America Federal Credit Union: 4.50% APY (24 Month Certificate)
  • Park Side Financial Credit Union: 4.50% APY (1-Year Youth Certificate)
  • Lincoln County Credit Union: 4.25% APY (Share Certificate - 12 Months)
  • Valley Financial Credit Union: 4.18% APY (24 Month Certificate)
Rates reflect recent verified offers available in Great Falls, Montana. Last Updated: October 14, 2026

Great Falls, 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 Great Falls, 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 to 180 days of interest. Estimates are for informational purposes only.

Top Great Falls, Montana CD Rates by Term

Verified October 14, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Great Falls, Montana. Averages shown use the Montana state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Great Falls, Montana

Great Falls, Montana CD Calculator

At today’s MT top rate of 4.38% APY, a $10,000 deposit earns $438 in the first year. Enter your amount to see your exact return.

Great Falls, Montana CD Ladder

MT CD rates currently range from 2.394% (3-month) to 2.906% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Great Falls, Montana CD at 4.38% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Montana’s average 12-month CD is 3.306% 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 Great Falls, 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 Great Falls, 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 Great Falls, 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: October 14, 2026

Great Falls, Montana Rates & Resources

$
Great Falls, Montana Mortgage Rates
$
Great Falls, Montana Refinance Rates
$
Great Falls, Montana Home Equity Loan Rates
$
Great Falls, Montana Savings Rates
$
Great Falls, Montana Money Market Rates
$
Great Falls, Montana Checking Rates
$
Great Falls, Montana Auto Loan Rates
$
Great Falls, Montana Personal Loan Rates
$
Great Falls, Montana Homeowners Insurance
$
Great Falls, Montana Car Insurance