Bozeman, Montana (MT) Savings Rates - March 2026
Brian McKay
Brian McKay
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The best savings rates for Bozeman, Montana and the surrounding area include Valley Financial Credit UnionValley Financial Credit Union1707 Oak St Ste A, Bozeman, MT 59715 2125A+5.0 ★Texas Ratio: 2.09% Youth Savings at 5.12% APY, Horizon Credit UnionHorizon Credit Union1400 N 19th Ave Ste A, Bozeman, MT 59718 3758A+5.0 ★Texas Ratio: 1.53% Tether Shares* at 3.03% APY, Madison Valley BankMadison Valley Bank200 S 23rd Ave, Bozeman, MT 59718A+5.0 ★Texas Ratio: 5.13% Holiday Savings at 0.75% APY, Sky Federal Credit UnionSky Federal Credit Union777 E Main St Ste 102, Bozeman, MT 59715B4.6 ★Texas Ratio: 20.02% Health Savings Account (HSA) at 0.50% APY, and Rocky Mountain Credit UnionRocky Mountain Credit Union8645 Huffine Ln, Bozeman, MT 59718 7564A5.0 ★Texas Ratio: 7.32% HSA Savings at 0.50% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Bozeman, 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 Bozeman, Montana (MT) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Bozeman, Montana and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Bozeman, Montana & Surrounding Communities
Qualifications Required: must open both the Tether savings and Tether checking account; agree to receive online statements; maintain a minimum balance of $50 in Tether Savings and make minimum deposit of $50 to the Tether savings each month from Tether checking by electronic means such as online banking, interactive voice response via our automated phone system. Any other non-human assisted deposit / transfer in order to obtain the disclosed annual percentage yield; Qualifying balance up to $15,000.00
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
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
Qualifying balance up to $0.01
Qualifying balance up to $0.01
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$25 minimum opening deposit
Qualifying balance up to $5,000.00
Qualifying balance up to $2,499.00
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.
Bozeman, MT Savings Rate Trends
Compare local Bozeman, 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.
Montana high-yield savings rates fell 1.218 points this week to 0.332% APY, down from 1.551% last week.
Montana standard savings rates fell 1.565 points this week to 0.458% APY, down from 2.023% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Bozeman, 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 Bozeman, 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 Bozeman, Montana
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Bozeman, Montana safe?
How often do savings rates change in Bozeman, Montana?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Bozeman, Montana?
How do I open a savings account in Bozeman, Montana?
Best Savings Rates in Bozeman, Montana
- Valley Financial Credit Union
Youth Savings — 5.12% APY - Horizon Credit Union
Tether Shares* — 3.03% APY - Madison Valley Bank
Holiday Savings — 0.75% APY - Sky Federal Credit Union
Health Savings Account (HSA) — 0.50% APY - Rocky Mountain Credit Union
HSA Savings — 0.50% APY
