Montana CD Rate Trends
Track current and weekly average certificate of deposit APYs across all products in Montana, view interactive rate trend charts, and compare MT APYs against the national average.
Current Montana CD Rate Trends
CD APYs in Montana fell by -0.006 this week, bringing the current 12-Month CD average APY down to 3.312%. Savers in MT are seeing slightly reduced yields compared to last week, when the average stood at 3.318%.
At 3.312%, Montana's 12-Month CD APY sits +0.517 above the current national average of 2.795%. This above-average spread may reflect more competitive deposit offerings from local banks and credit unions in MT.
The 6-Month CD APY in Montana currently averages 2.806%, compared to 2.841% last week. Savers weighing a shorter term should note that 6-Month CDs typically offer lower APYs than 12-Month CDs but provide more flexibility to access funds sooner.
The Montana certificate of deposit rate averages displayed on this page are calculated from 237 verified CD rate quotes collected across 24 banks and credit unions actively operating in Montana. Our proprietary systems collect and verify deposit rates daily — tracking what real licensed institutions are actually offering to depositors, not promotional teaser rates.
Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated certificate of deposit rate database spanning community banks, regional lenders, national institutions, and credit unions across Montana. This scale allows us to calculate averages that reflect the full deposit landscape — not just the most aggressive advertisers — giving savers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like in MT.
Data reflects average APYs offered by licensed institutions operating in MT. Last Updated: April 15, 2026
Montana CD Rate Trends
Weekly average APYs across all CD terms. Hover over the chart to see exact APYs for each week.
Montana CD rate averages compiled from 237 current CD rates across 24 banks and credit unions operating in MT — updated daily.
As of Apr 15, 2026 • Data provided by MonitorBankRates.com
For Media, Researchers & Real Estate Professionals
Journalists covering Montana financial markets, personal finance professionals advising clients on deposit strategy, and academic researchers studying regional banking patterns are welcome to cite and reference this data. All historical MT cd rate data is free to use for editorial, research, and educational purposes.
Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report — and optionally link to https://monitorbankrates.com/certificate-of-deposit-cd-rates/montana/trends. For custom data pulls, contact us here.
