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Froid Federal Credit Union Rates and Review January 2026

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Froid Federal Credit Union12-month CD rates can be found at 4.00%, 6-month CD rates at 0.45% and 3-month CD rates at 1.20%. Savings rates are at 0.25% and money market rates are at 0.35%. Mortgage rates on 30-year fixed loans are around 5.66%. Credit Card rates are at 12.49%. Personal Loan rates are at 9.99%. All these rates, and more, can be found in our database of rates which you can compare to Froid Federal Credit Union rates.

Compare Froid Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Froid Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

Rate Updates and Availability

Froid Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Froid Federal Credit Union? Share your experience about Froid Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Froid Federal Credit Union.

Overall, Froid Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Current Interest Rates

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A

"N/A" indicates the product is not offered or the rate is unavailable.

Froid Federal Credit Union
Main Office
105 2nd Ave N
Froid, MT 59226
Member NCUA
MonitorBankRates' Rating
5/5
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CD & Savings Rate Comparison

Bank
Product
APY
Min Dep
18-Month CD
4.00%
$500
24-Month CD
3.95%
$250
18-Month CD
3.87%
$1,000
12-Month CD
3.63%
$500
60-Month CD
3.45%
$1,000
12-Month CD
3.40%
$500
17-Month CD
3.30%
$1,000
60-Month CD
3.24%
$250
36-Month CD
3.15%
$1,000
12-Month CD
3.05%
$0
24-Month CD
3.03%
$1,000
18-Month CD
3.02%
$500
18-Month CD
3.00%
$1,000
60-Month CD
3.00%
$1,000
24-Month CD
2.90%
$1,000
6-Month CD
2.89%
$5,000
36-Month CD
2.87%
$500
48-Month CD
2.78%
$500
60-Month CD (IRA)
2.71%
$500
36-Month CD
2.63%
$100
Money Market
2.50%
$250,000
Kasasa Savings
2.00%
$5
24-Month CD
1.65%
$1,000
18-Month CD
1.51%
$500
48-Month CD
1.50%
$1,000
36-Month CD
1.31%
$1,000
Business High Yield Money Market
1.25%
$25,000
24-Month CD
1.25%
$10,000
Platinum Money Market
0.75%
$10,000
Premier Savings
0.75%
$25,000
36-Month CD
0.75%
$1,000
12-Month CD
0.65%
$500
12-Month CD
0.55%
$2,500
Savings
0.50%
$100
18-Month CD
0.45%
$1,000
Money Market
0.40%
$250,000
6-Month CD
0.40%
$500
18-Month CD (Bump-Up)
0.30%
$500
48-Month CD
0.25%
$1,000
Kasasa Savings
0.20%
$25
36-Month CD (Dream Maker)
0.20%
$250
Statement Savings
0.10%
$0
Money Market
0.05%
$0
Statement Savings
0.05%
$100
A+ Checking
0.05%
$500
24-Month CD
0.01%
$500
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rate Comparison

Lender
Product
Rate
APR
Points
5.500%
5.688%
0.125
30-Year Fixed
5.750%
5.886%
0.000
6.125%
6.282%
1.000
30 Year Fixed
5.875%
5.916%
0.000
30 Year Fixed
5.625%
5.704%
0.250
5.125%
5.304%
0.000
15-Year Fixed
5.500%
5.718%
0.000
6.125%
6.266%
0.000
6.125%
6.526%
0.000
5.125%
5.291%
0.000
15 Year Fixed
5.375%
5.588%
0.000
30-Year Fixed
6.125%
6.307%
0.000
15-Year Fixed
5.625%
5.986%
0.000
5.250%
5.382%
0.000
5.990%
6.290%
0.000
6.000%
6.061%
0.000
30-Year Fixed
6.125%
6.226%
0.000
6.000%
6.310%
0.000
6.999%
7.235%
0.000
30-Year Fixed
5.875%
5.941%
0.000
5.375%
5.446%
0.000
15-Year Fixed
5.750%
6.044%
0.000
5.125%
5.361%
1.000
5.375%
5.565%
1.000
5.375%
6.068%
1.000
10-Year Fixed
4.625%
5.148%
2.000
6.500%
6.582%
0.000
20 Year Fixed
5.500%
5.579%
0.000
20-Year Fixed
5.875%
6.057%
0.000
15-Year Fixed
5.375%
5.650%
0.000
5.115%
5.908%
0.946
5.750%
6.093%
0.000
5.625%
5.846%
0.000
5.875%
6.055%
0.000
6.000%
6.035%
0.375
15-Year Fixed
5.625%
5.750%
0.000
15-Year Fixed Jumbo
6.250%
6.481%
0.000
7/1 ARM Jumbo
5.500%
5.503%
0.000
5.625%
5.787%
0.000
30-Year Fixed
6.000%
6.133%
0.000
15 Year Fixed
5.375%
5.717%
0.706
30 Year Fixed (Jumbo)
6.125%
6.176%
0.000
5.500%
5.803%
0.000
30-Year Fixed
6.250%
6.263%
0.000
15-Year Fixed
5.750%
5.977%
0.000
30-Year Fixed
5.500%
5.606%
0.750
5.875%
5.958%
0.000
30-Year Fixed
5.625%
5.671%
0.000
20-Year Fixed
5.900%
6.129%
0.000
30-Year Fixed
6.125%
6.249%
0.000
View 50 More

Credit Card Rate Comparison

Institution
Product
APR
Notes
Visa Signature® Rewards
17.750%
Platinum Rewards Visa
15.400% - 24.400%
Earn 1 point for every purchase dollar spent. 12 Month Balance Transfer Rate 0%
VISA® Gold
11.960%
Access FCU Visa Classic
13.500%
Max Cash Secure Card Visa
29.990%
Make improving your credit score4 even more rewarding with up to 5% cash back in 2 categories you choose
8.900% - 13.900%
Based upon credit worthiness.
Acme Visa Credit Card
9.990% - 18.000%
680 and above rate = 9.90% with Score Card points or 8.80% with No points. 640-679 rate = 10.80%. 600-639 rate = 12.84%. 599 and below rate = 18.00%.
ABNB VISA Signature
14.740% - 17.740%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
Achieva Mastercard Credit Card
12.490% - 25.490%
12.49% to 25.49% when you open your account, based on your creditworthiness.
Visa Platinum Clarity
15.990%
Acadian CU Visa Classic
9.200%
9.20% APR for purchases, balance transfers and cash advances.
Visa Classic Card
12.900%
No annual fee
15.000% - 17.900%
Maximum Loan Amount Up to $35,000.00
Visa Balance Transfer
8.990%
The balance transfer rate is good only on balances transferred from non-Achieve credit cards.
Rewards Share Secured
18.000%
Credit Limit - $300 - $5,000
Visa Signature Rewards
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Security Service Power Rewards MasterCard
18.000%
CLASSIC FLAT 1% CASH BACK VISA
18.000%
1% Cash Back Classic Card
Max Rewards Visa Credit Card
15.250%
Visa Platinum
7.990%
Line of credit up to $20,000. $250,000 travel life insurance
VISA Traditional
14.240% - 18.000%
Platinum Low Rate VISA
12.240%
Low Rate Platinum Card
8.900%
13.240%
Prime Platinum Visa Credit Card
11.500%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Personal Loan Rate Comparison

Institution
Product
APR
Loan Amt
Loan Term Months
9.200% - 17.950%
$0 - $500
48 - 48
10.700%
$0 - $10,000
60 - 60
Unsecured Personal Loan
10.990%
$0 - $50,000
12 - 60
Personal Line of Credit
13.040%
$0
Student Loan Consolidation
5.490%
$0
8.990% - 18.000%
$0 - $30,000
72
7.990%
$0 - $30,000
Credit Starter Loan
16.250%
$0
11.900%
$0 - $15,000
24 - 60
Personal Loan
12.000% - 12.090%
$1,500 - $15,000
60 - 60
Consolidation Loans
14.850%
$0
37 - 60
Unsecured Signature Loan
9.250%
$0
1 - 24
Personal Signature Loan
11.000%
$0
96
9.200% - 17.950%
$0 - $15,000
60 - 60
11.740% - 17.990%
$0
10.490%
$0
60 - 60
11.990%
$0
Overdraft Protection Loan
11.500% - 17.900%
$0 - $5,000
11.240%
$0 - $10,000
60 - 60
14.700%
$8,000
60 - 60
10.250% - 17.950%
$0
1 - 36
Term Line of Credit 84 months
8.000%
$0
Bill Consolidation Loan
8.990%
$0
60
8.990% - 17.990%
$0
13.700%
$2,500 - $5,000
36 - 36
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have Froid Federal Credit Union rate data right now.

Credit Union Profile & Overview

Credit Union Name: Froid Federal Credit Union
Website:
Full Time Employees: 0
Part Time Employees: 2
President: David Christoffersen
CEO: Amanda Murray
Branch Locations: 1
ATM Locations: 0
Corporate Office Address:
105 2nd Ave N
Froid, MT 59226
Phone Number: 406-766-2350
Fax Number: 406-766-2232

Financials

Total Assets:
1,149,800
Total Amount of Shares and Deposits:
997,830
Total Shares and Deposits < 1 Year:
997,830
Total Insured Shares and Deposits > $250K (item 17 less item K):
997,830
Number of Accounts for Regular Shares:
165
Net Income (unless the amount is already included in Undivided Earnings):
19,289
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
214,475
Total Liabilities:
998,032
Show More
Source: NCUA Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Froid Federal Credit Union

Is a member application needed to join Froid Federal Credit Union?

Yes, to access services at Froid Federal Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, Froid Federal Credit Union provides a range of mortgage and home equity products.

Is Froid Federal Credit Union a safe place to deposit money?

Yes, Froid Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.

Does Froid Federal Credit Union offer online and mobile banking?

Most modern institutions like Froid Federal Credit Union provide digital access including online balance checks and transfers.

Current Froid Federal Credit Union Rates

ProductAPY

Rates subject to change.

Compare to other Credit Unions