Montana Money Market Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Montana money market deposit account rates include Mountain America Federal Credit UnionMountain America Federal Credit Union875 Main St, Billings, MT 59105A5.0 ★Texas Ratio: 7.84%Real return: +0.75%APY minus 2.8% CPI (February 2026) Business Money market at 3.55% APY, Farmers State Bank Victor, MTFarmers State Bank Victor, MT103 Main St, Victor, MT 59875A4.8 ★Texas Ratio: 6.69%Real return: +0.65%APY minus 2.8% CPI (February 2026) Platinum Money Market at 3.45% APY, Altana Federal Credit UnionAltana Federal Credit Union1111 24th St W, Billings, MT 59102 3809A+5.0 ★Texas Ratio: 5.02%Real return: +0.25%APY minus 2.8% CPI (February 2026) ACE Money Market at 3.05% APY, Peoples Bank of Deer LodgePeoples Bank of Deer Lodge430 Main St, Deer Lodge, MT 59722B4.6 ★Texas Ratio: 19.58%Real return: +0.09%APY minus 2.8% CPI (February 2026) Money Market at 2.89% APY, and The Bank of CommerceThe Bank of Commerce110 S Idaho St, Dillon, MT 59725A5.0 ★Texas Ratio: 6.88%Real return: -0.78%APY minus 2.8% CPI (February 2026) Money Market account at 2.02% APY. Money market rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across Montana side-by-side. Montana money market rates currently reach as high as 3.55% APY from Mountain America Federal Credit Union at 875 Main St, Billings, MT 59105. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Montana and surrounding area. Last Updated and Verified: September 21, 2026
Compare the Best Money Market Rates Today in Montana
$1,000,000 +; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 9/18/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
Balance: $1,500,000 and over
$250,000 - $999,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 9/18/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
Balance: $250,000+
Balance: $149,999.01+
Balance: $100,000+
Balance: $99,999.01 - $149,999
$100,000 - $249,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 9/18/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
Balance: $75,000 - $99,999.99
Balance: $50,000 - $74,999.99
Balance: $50,000.00 and over
Balance: $74,999.01 - $99,999
Balance: $24,999.01 - $74,999
$50,000 - $99,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 9/18/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
Balance: $.01 - $24,999
Balance: $25,000 - $49,999.99
Balance: $20,000.00 and over
Balance: $100,000.00 +
Balance: $100,000.00 - 249,999.99
Balance: $500,000 to $1,499,999.99
$25,000 - $49,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 9/18/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
Balance: $50,000.00 - $99,999.99
Balance: $100,000.01 and over
Balance: $50.000.00 - $99,999.99
Balance: $20,000.01 - $100,000.00
Balance: $0.00 - $20,000.00
Balance: $100,000+
Balance: $40,000.00 - $49,999.99
Balance: $250,000 to $499,999.99
Fees apply to any balance below $50,000; $25 if balance drops below $50,000; APY range: 1.04% - 1.28% APY
Balance: $0.00 - $49,999.99
Balance: $0 - $19,999.99
$10,000 - $24,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 9/18/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
Balance: $50,000-$99,999
Balance: $25,000.00 - $49,999.99
Balance: $100,000 and above
Balance: $20,000.00 - $39,999.99
Balance: $20,000 <
Balance: $10,000.00 -$49,999.99
$2,500 - $9,999; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 9/18/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
Balance: $2,500.00 - $9,999.99
Balance: $25.00 - $2,499.99*
Balance: $100,000 to $249,999.99
Balance: $25,000-$49,999
Balance: $10,000 - $19,999.99
Balance: $50,000 and Over; Interest Frequency: Monthly; Early Withdrawal Penalty:
Balance: $10,000.00 - $19,999.99
Balance: $0.00 - $24,999.99
Balance: $25,000.00 - $49,999.99; Interest Frequency: Monthly; Early Withdrawal Penalty:
under $2,500; Federally Insured by NCUA. APY=Annual Percentage Yield. Effective as of 9/18/2026. Rates and terms subject to change. Money Market tiered rates start on average daily balance of $2,500 or more. No minimum deposit required to open the account. Fees may reduce earnings on account.
Balance: $0-$9,999
Balance: $2,500 - $9,999.99
Balance: Under $250,000
Balance: .01 - $99,999.99
Balance: $0.00 - $9,999.99
Balance: $0.01 - $2,499.99
Balance: $10,000.00 - $24,999.99; Interest Frequency: Monthly; Early Withdrawal Penalty:
Balance: $1,000.00 - $24,999.99^
Balance: Less than $10,000.00; Interest Frequency: Monthly; Early Withdrawal Penalty:
Balance: Under $25,000
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Montana Money Market Rate Trends
Compare local Montana money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Montana high-yield MMA rates rose 0.023 points over the past 7 days to 3.060% APY.
Montana standard MMA rates fell 0.021 points over the past 7 days to 0.732% APY.
Montana Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current MT high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current MT high-yield money market average of 3.060% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60–90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Montana.
Money Market Account Earnings in Montana
Annual interest earnings at current MT average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.060% APY) | Monthly Earnings | Standard MMA (0.732% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $306.00 / year | $25.50 | $73.15 / year | $6.10 |
| $25,000 | $765.00 / year | $63.75 | $182.88 / year | $15.24 |
| $50,000 | $1,530.00 / year | $127.50 | $365.75 / year | $30.48 |
| $100,000 | $3,060.00 / year | $255.00 | $731.50 / year | $60.96 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Montana money market rate averages as of September 22, 2026. | ||||
About Our Montana Money Market Rate Database
MonitorBankRates tracks 17 money market rates from 6 banks and 11 credit unions offering money market deposit accounts to Montana residents, including community institutions, regional banks, and national online options. 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 (1–5), 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: Mountain America Federal Credit Union offers a money market account at 3.55% APY. Use the rate table above to compare all current offers in Montana.
How to Find the Best Money Market Rates in Montana
What to compare when shopping for a money market account in Montana
To find the best money market APYs in Montana, start with credit unions and online-only banks: Montana has 11 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000–$25,000, with lower rates (or monthly fees) below that threshold. The current MT high-yield money market average is 3.060% but top local institutions are offering as high as 3.55%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Montana high-yield money market rates currently average 3.060% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Montana institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 17 institutions in Montana report money market rates to our database.
- You’re among Montana’s 20.1% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return → Montana CD rates
- You don’t need check writing and want a lower minimum → Montana savings rates
- You need daily transaction access → Montana checking rates
Montana Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
20.1% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible money market accounts a particularly relevant option in this market; a low unemployment rate of 3.6% reflects a strong local economy with solid savings capacity. At today’s MT high-yield money market average of 3.060%, saving 10% of the local median salary ($4,071/year) would earn an additional $125 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Montana Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Montana.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current MT Avg APY | 3.060% | View Savings Rates | 0.732%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 – $2,500 | $0 – $100 | $25 – $100 | $500 – $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Montana averages tracked in our database as of September 22, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Montana Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Montana rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Montana
At MT’s top money market rate of 3.55% from Mountain America Federal Credit Union, a $10,000 deposit earns $355 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Montana earner is roughly $10,200. At 3.060% APY in a money market account, saving $850/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountMontana’s high-yield money market average is 3.060% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Montana earner makes $40,712/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.060% APY.
Retirement PlannerA $25,000 money market balance earning 3.060% APY grows to roughly $45,682 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Montana money market 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 Money Market Rate Data: We aggregate money market deposit account rates for Montana directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed 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 Montana. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in MT.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Montana
What is a Money Market Account (MMA)?
Are Money Market accounts in Montana safe?
How often do MMA rates change in Montana?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Montana?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Montana for money market accounts?
Best Money Market Rates in Montana
- Mountain America Federal Credit Union
Business Money market: 3.55% APY - Farmers State Bank Victor, MT
Platinum Money Market: 3.45% APY - Altana Federal Credit Union
ACE Money Market: 3.05% APY - Peoples Bank of Deer Lodge
Money Market: 2.89% APY - The Bank of Commerce
Money Market account: 2.02% APY
Cities in Montana
