Billings, 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 Billings, Montana and the surrounding area 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, Altana Federal Credit UnionAltana Federal Credit Union1111 24th St W, Billings, MT 59102 3809A+5.0 ★Texas Ratio: 5.84% Wealth Builder Savings Account at 2.15% APY, SEG Federal Credit UnionSEG Federal Credit Union2320 Zoo Dr, Billings, MT 59101 6231A+5.0 ★Texas Ratio: 2.32% Auxiliary Shares at 0.50% APY, Rimrock Credit UnionRimrock Credit Union952 Central Ave, Billings, MT 59102 5845A+5.0 ★Texas Ratio: 0.55% Coverdell Education Savings at 0.35% APY, and Wells FargoWells Fargo175 N 27th St, Billings, MT 59101A5.0 ★Texas Ratio: 7.44% Platinum Savings at 0.05% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Billings, Montana, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Billings, Montana (MT) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Billings, Montana and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Billings, Montana & Surrounding Communities
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
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
Wealth Builder Plus Savings Account
2.15%
$0
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$2,500 - $19,999
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
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
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
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
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
2320 Zoo Dr, Billings, MT 59101 6231
Auxiliary Shares
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
$1000 min., $1500 to earn dividend
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
952 Central Ave, Billings, MT 59102 5845
Coverdell Education Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
952 Central Ave, Billings, MT 59102 5845
Roth IRA - Share Account
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
952 Central Ave, Billings, MT 59102 5845
IRA Share
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
2320 Zoo Dr, Billings, MT 59101 6231
IRA Shares
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
$5000.00 - $14,999.00
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
2320 Zoo Dr, Billings, MT 59101 6231
IRA Shares
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
$25.00 - $4999.00
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1541 Custer Ave, Billings, MT 59102
IRA Variable Rate Share Acct.
0.25%
$0
▼
Rate0.25%
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
Coverdell, Traditional & Roth IRA Shares
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$100,000+
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
2320 Zoo Dr, Billings, MT 59101 6231
Alternate Shares
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1111 24th St W, Billings, MT 59102 3809
Coverdell, Traditional & Roth IRA Shares
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$50,000 - $99,999
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1111 24th St W, Billings, MT 59102 3809
Coverdell, Traditional & Roth IRA Shares
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$25,000 - $49,999
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
2320 Zoo Dr, Billings, MT 59101 6231
Base Shares
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
$5 minimum, $25 to earn dividend
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1541 Custer Ave, Billings, MT 59102
Business Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
952 Central Ave, Billings, MT 59102 5845
Reserve Share Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
952 Central Ave, Billings, MT 59102 5845
Secondary Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
952 Central Ave, Billings, MT 59102 5845
Share Draft
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
952 Central Ave, Billings, MT 59102 5845
Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
1111 24th St W, Billings, MT 59102 3809
Coverdell, Traditional & Roth IRA Shares
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$10,000 - $24,999
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
175 N 27th St, Billings, MT 59101
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
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
175 N 27th St, Billings, MT 59101
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
2320 Zoo Dr, Billings, MT 59101 6231
Share Draft (Checking)
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
175 N 27th St, Billings, MT 59101
Platinum Savings
0.02%
$25
▼
Rate0.02%
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
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
175 N 27th St, Billings, MT 59101
Platinum Savings
0.01%
$25
▼
Rate0.01%
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
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
175 N 27th St, Billings, MT 59101
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
$25 minimum opening deposit
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
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
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
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
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 27, 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 27, 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
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
0.45%
$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
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 27, 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 27, 2026
Details
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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.
Billings, MT Savings Rate Trends
Compare local Billings, MT 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%
▼ 2.668 from last week
Montana high-yield savings rates fell 2.668 points this week to 0.332% APY, down from 3.000% last week.
Standard Savings — MT Avg
0.463%
▼ 1.236 from last week
Montana standard savings rates fell 1.236 points this week to 0.463% APY, down from 1.700% last week.
As of Mar 28, 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 Billings, 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 Billings, 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 Billings, 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 Billings, 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 Billings, 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 Billings, 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 Billings, Montana?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Billings, Montana offer in-person customer service, which some customers prefer.
How do I open a savings account in Billings, 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 Billings, Montana
Here are recent savings rates observed in Billings, Montana and the surrounding area:
- Valley Financial Credit Union
Youth Savings — 5.12% APY - Altana Federal Credit Union
Wealth Builder Savings Account — 2.15% APY - SEG Federal Credit Union
Auxiliary Shares — 0.50% APY - Rimrock Credit Union
Coverdell Education Savings — 0.35% APY - Wells Fargo
Platinum Savings — 0.05% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Billings, Montana. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
