Montana (MT) Savings Rates - March 2026
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The savings 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.
The best savings rates for Montana include Valley Financial Credit UnionValley Financial Credit Union1541 Custer Ave, Billings, MT 59102A+5.0 ★Texas Ratio: 2.09% Youth Savings at 5.12% APY, The Bank of CommerceThe Bank of Commerce110 S Idaho St, Dillon, MT 59725A+5.0 ★Texas Ratio: 1.34% $mart Cents savings at 3.50% APY, Horizon Credit UnionHorizon Credit Union2330 S Reserve St, Missoula, MT 59801A+5.0 ★Texas Ratio: 1.53% HomeStart Savings at 3.03% APY, Montana Federal Credit UnionMontana Federal Credit Union15 14th St S, Great Falls, MT 59401 3800A+5.0 ★Texas Ratio: 1.84% Peak Rewards Savings at 3.00% APY, and Pioneer Federal S&LPioneer Federal S&L202 N Main St, Deer Lodge, MT 59722A+5.0 ★Texas Ratio: 0.34% Money Market Savings at 2.57% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Montana compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Montana (MT) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Montana and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Montana
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1541 Custer Ave, Billings, MT 59102
Youth Savings
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
110 S Idaho St, Dillon, MT 59725
$mart Cents savings
3.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $5,000.00
The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
110 S Idaho St, Dillon, MT 59725
$mart Cents Savings
3.44%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
2330 S Reserve St, Missoula, MT 59801
HomeStart Savings
3.03%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifications Required: Bundle with a Horizon checking account (excluding - Tether and Explorer Checking); Log on to online banking at least one time each calendar month; Receive at least one direct deposit that successfully posts to an account in the membership each calendar month; Conduct a minimum of 15 debit card transactions via the checking account in each calendar month; Be enrolled in electronic statements; Qualifying balance up to $50,000; $2,000 lender credit for first-time homebuyers
Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
15 14th St S, Great Falls, MT 59401 3800
Peak Rewards Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifications Required; Qualifying balance up to $10,000
Pioneer Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
202 N Main St, Deer Lodge, MT 59722
Money Market Savings
2.57%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1541 Custer Ave, Billings, MT 59102
Money Market Savings/Business Money Market
2.17%
$0
▼
Rate2.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1111 24th St W, Billings, MT 59102 3809
Wealth Builder Savings Account
2.15%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
up to $10,000
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1111 24th St W, Billings, MT 59102 3809
Metro Savings
2.15%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
ADB Under $10,000
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1111 24th St W, Billings, MT 59102 3809
Wealth Builder Plus Savings Account
2.15%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$2,500 - $19,999
Pioneer Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
202 N Main St, Deer Lodge, MT 59722
Money Market Savings
2.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1541 Custer Ave, Billings, MT 59102
Money Market Savings/Business Money Market
1.92%
$0
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1541 Custer Ave, Billings, MT 59102
Rewards Savings
1.76%
$1
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 22, 2026
Details
Qualifications Required: At least 15 debit card purchases post and settle; Have at least 1 automatic payment (ACH) or direct deposit post and settle; Be enrolled in eStatements; Qualifying balance up to $20,000; Links to free [Rewards Checking](https://www.valleyfcu.com/accounts/personal-checking/rewards-checking.html) to auto-transfer rewards
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1541 Custer Ave, Billings, MT 59102
Money Market Savings/Business Money Market
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1541 Custer Ave, Billings, MT 59102
Money Market Savings/Business Money Market
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
430 Main St, Deer Lodge, MT 59722
Savings
1.51%
$100
▼
Rate1.50%
Min Deposit$100
Min Balance—
UpdatedMar 21, 2026
Details
Pioneer Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
202 N Main St, Deer Lodge, MT 59722
Money Market Savings
1.28%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1541 Custer Ave, Billings, MT 59102
Money Market Savings/Business Money Market
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
2910 Prospect Ave, Helena, MT 59601 9726
IRA SHARES and over
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
$20,000.00
Whitefish Credit Union Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
300 Baker Ave, Whitefish, MT 59937
Savings
1.10%
$0
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
6200 3rd Ave N, Great Falls, MT 59405 1528
Vacation Club Shares
1.01%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Matures June 1
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
2910 Prospect Ave, Helena, MT 59601 9726
IRA SHARES
1.01%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
$0 - $19,999.99
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
6200 3rd Ave N, Great Falls, MT 59405 1528
Christmas Club Shares
1.01%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Matures October 1
Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
15 14th St S, Great Falls, MT 59401 3800
Christmas Club Savings
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1541 Custer Ave, Billings, MT 59102
Money Market Savings/Business Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
15 14th St S, Great Falls, MT 59401 3800
IRA Savings
1.00%
$100
▼
Rate0.99%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
6200 3rd Ave N, Great Falls, MT 59405 1528
IRA Shares (Minimum Opening Traditional, Roth
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Balance $0
Pioneer Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
202 N Main St, Deer Lodge, MT 59722
Savings
0.77%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
213 E Main St, Ennis, MT 59729
Holiday Savings
0.75%
$50
▼
Rate0.75%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
213 E Main St, Ennis, MT 59729
Health Savings
0.65%
$100
▼
Rate0.65%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
777 E Main St Ste 102, Bozeman, MT 59715
IRA Shares
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Fort Peck Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
54176 US Highway 2, Glasgow, MT 59230
Share Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Computed on average daily balance, paid monthly
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
509 N MERRILL AVE, GLENDIVE, MT 59330
Basic Share Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
777 E Main St Ste 102, Bozeman, MT 59715
Health Savings Account (HSA)
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
777 E Main St Ste 102, Bozeman, MT 59715
Share Savings Account
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
777 E Main St Ste 102, Bozeman, MT 59715
Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
777 E Main St Ste 102, Bozeman, MT 59715
Borrow & Save Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
617 SE 4th St, Laurel, MT 59044 3307
Auxiliary Shares
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
$1000 min., $1500 to earn dividend
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
3400 N Montana Ave, Helena, MT 59602
HSA Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $0.01
The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
110 S Idaho St, Dillon, MT 59725
Health Savings account
0.45%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
110 S Idaho St, Dillon, MT 59725
$mart Cents savings
0.45%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
110 S Idaho St, Dillon, MT 59725
Savings
0.45%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
110 S Idaho St, Dillon, MT 59725
Idaho Medical Savings account
0.45%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
110 S Idaho St, Dillon, MT 59725
e-Savings
0.45%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
110 S Idaho St, Dillon, MT 59725
Health Savings account
0.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Qualifying balance up to $2,499.00
Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
213 E Main St, Ennis, MT 59729
Personal Savings
0.25%
$50
▼
Rate0.25%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
213 E Main St, Ennis, MT 59729
Montana Medical Savings
0.25%
$100
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
11 West Main Street, Belgrade, MT 59714
Regular Savings
0.05%
$50
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
623 2nd Ave S, Glasgow, MT 59230
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
623 2nd Ave S, Glasgow, MT 59230
Platinum Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
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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.
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.
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 Savings Rate Trends
Compare local Montana savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — MT Avg
0.332%
▼ 1.150 from last week
Montana high-yield savings rates fell 1.150 points this week to 0.332% APY, down from 1.482% last week.
Standard Savings — MT Avg
0.458%
▼ 0.973 from last week
Montana standard savings rates fell 0.973 points this week to 0.458% APY, down from 1.431% last week.
As of Mar 26, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings 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 savings 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 competitive regional banks to large national institutions available to savers in MT.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Montana
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Montana, help your money grow faster through a higher APY.
Are savings accounts in Montana safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Montana up to $250,000 per depositor, per institution.
How often do savings rates change in Montana?
Savings rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Montana rate tables daily to ensure you see the most current high-yield options.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Montana may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Montana?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Montana offer in-person customer service, which some customers prefer.
How do I open a savings account in Montana?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Montana
Here are recent savings rates observed in Montana:
- Valley Financial Credit Union
Youth Savings — 5.12% APY - The Bank of Commerce
$mart Cents savings — 3.50% APY - Horizon Credit Union
HomeStart Savings — 3.03% APY - Montana Federal Credit Union
Peak Rewards Savings — 3.00% APY - Pioneer Federal S&L
Money Market Savings — 2.57% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Montana. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
Cities in Montana
