Great Falls, Montana Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Great Falls, Montana savings account rates range from 0.01% to 5.12% APY, verified by MonitorBankRates as of October 13, 2026. The best savings rates for Great Falls, Montana and the surrounding area include US BankUS Bank215 1st St S, Great Falls, MT 59405A+5.0 ★Texas Ratio: 2.85%Real return: +0.70%APY minus 2.8% CPI (February 2026) Bank Smartly Savings Account at 3.50% APY, Horizon Credit UnionHorizon Credit Union1915 10th Ave S, Great Falls, MT 59405A+5.0 ★Texas Ratio: 1.61%Real return: +0.23%APY minus 2.8% CPI (February 2026) 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: 1.38%Real return: +0.20%APY minus 2.8% CPI (February 2026) Peak Rewards Savings at 3.00% APY, Billings Federal Credit UnionBillings Federal Credit Union501 Park Dr S, Great Falls, MT 59405 1879A+5.0 ★Texas Ratio: 5.23%Real return: -0.80%APY minus 2.8% CPI (February 2026) All IRA Shares at 2.00% APY, and 1st Liberty Federal Credit Union1st Liberty Federal Credit Union6200 3rd Ave N, Great Falls, MT 59405 1528A+5.0 ★Texas Ratio: 0.83%Real return: -1.79%APY minus 2.8% CPI (February 2026) Christmas Club Shares at 1.01% APY.
Great Falls has 35 local institutions in our database, with savings rates as high as 3.50% APY from US Bank at 215 1st St S, Great Falls, MT 59405. Use the table below to compare all available offers, including options from institutions serving the broader Montana area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Great Falls, Montana and the surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Savings Rates in Great Falls, Montana & Surrounding Communities
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank SmartlyTM Visa Signature Card and a CQB of at least $25,000. APYs may vary by location and are accurate for accounts opened on today's date. Restrictions apply.
Qualifications Required; Balance up to $50,000.00; Bundle with Summit or Replenish Checking to earn bonus dividends; Member must complete a homebuyer education program; Member must qualify for and close mortgage with Horizon by Dec 31, 2030; Offer includes $2,000 lender credit for first-time homebuyers (HomeStart account open and in good standing 12+ months)
Qualifications Required; Balance: $0.01 - $15,000.00; Qualifying balance up to $15,000.00; Balances above $15,000.00 earn the standard dividend rate; Bundled with Tether Checking; electronic statements required
Qualifications Required: 1 bill pay or ACH payment transaction; 12 debit card purchases; Be enrolled in and review eStatements; Balance: Balances up to $10,000
- Oct 8, 20263.00%▲ from 0.01%
- Oct 4, 20260.01%first recorded
Balance: Above $25,000
Balance: $5,000-$25,000
Balance: $0-4,999
Balance: $0 - $5,000; Matures October 1; Maximum Balance $5,000
Balance: $0 - $5,000; Matures June 1; Maximum Balance $5,000
Traditional, Roth; Balance: $25 and above; IRA Shares (Minimum Opening Balance $0) Traditional, Roth
Balance: $5000.00 or more
Balance: $25 - 1,999.99
Balance: $0 - 1,999.99
Balance: $5 - 1,999.99; Dividend Rate 0.15%; APY* 0.15%
Balance: $1,001 and above
Balance: $1500.00 to $4999.99
When linked to Premier Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- Oct 7, 20260.05%▲ from 0.01%
- Sep 27, 20260.01%▼ from 0.05%
- Sep 18, 20260.05%first recorded
Balance: $0+
Balance: $25-100
Balance: $5.00 or more
Balance: $250.00 or more
Balance: All Balance Ranges
Balance: $500.00 to $1499.99
Balance: $250.00 or more
When linked to Prime Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- Oct 7, 20260.02%▲ from 0.01%
- Sep 27, 20260.01%▼ from 0.02%
- Sep 18, 20260.02%first recorded
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
- Sep 27, 20260.01%▼ from 0.02%
- Sep 18, 20260.02%first recorded
Balance: $0+
All balances if qualifications not met
- Oct 12, 20260.01%▼ from 3.00%
- Oct 8, 20263.00%▲ from 0.01%
- Oct 4, 20260.01%first recorded
Earn up to 5.12 % APY*
Qualifications Required; Balance: up to $25,000.00
Balance: $0 - $5,000
Balance: 0 to $20,000
Qualifications Required; Balance: 0 - $50,000
Balance: 0 - $20,000
Qualifications Required: Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0-$100,000
Balance: 0 - $100,000
Balance: Up to $100,000 | Over $100,000
Balance: $10,000 and over
Balance: $2,500 - $19,999
Balance: up to $10,000
No Minimum Balance Required
Minimum Balances Required to Avoid Monthly Maintenance Fees
Balance: $20,000.00 and over
Dividend rate declared December 31, 2025; Must maintain minimum daily balance of $5 to earn dividends; Fees may reduce earnings on the account
Balance: $0 - $19,999.99
Minimum Balances Required to Avoid Monthly Maintenance Fees
Balance: $5,000 +
- Sep 24, 20260.50%▲ from 0.45%
- Sep 9, 20260.45%first recorded
- Sep 24, 20260.50%▲ from 0.45%
- Sep 9, 20260.45%first recorded
Balance: $2,500 +
- Sep 24, 20260.50%▲ from 0.45%
- Sep 9, 20260.45%first recorded
- Sep 24, 20260.50%▲ from 0.45%
- Sep 9, 20260.45%first recorded
- Sep 24, 20260.50%▲ from 0.45%
- Sep 9, 20260.45%first recorded
Balance: $0 - $2,499
- Sep 24, 20260.25%▲ from 0.15%
- Sep 14, 20260.15%first recorded
Balance: $0.01 +
- Sep 24, 20260.25%▲ from 0.15%
- Sep 14, 20260.15%first recorded
Qualifications Required: See reward qualifications and information for attached checking accounts on the personal checking pages.; Tier 1: An interest rate of 2.78% will be paid on the portion of your daily balance that is $100,000.00 or less. The annual percentage yield for this tier is 2.82%. Tier 2: An interest rate of 0.23% will be paid on the portion of your daily balance that is more than $100,000.00. The annual percentage yield for this tier will be 0.23%. Based on an example where your total account balance is $200,000.00 for each day of the monthly qualification cycle and does not change, the blended annual percentage yield for that balance in both Tiers will be 1.52%. Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account. We may change the interest rate on your account at any time.
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.
Great Falls, MT Savings Rate Trends
Compare local Great Falls, MT savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Montana high-yield savings rates fell 0.011 points over the past 7 days to 1.953% APY, down from 1.965%.
Montana standard savings rates rose 0.034 points over the past 7 days to 0.589% APY, up from 0.555%.
Great Falls, Montana Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current MT high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings 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 savings average of 1.953% 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 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
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 Great Falls, Montana.
Savings Account Earnings in Great Falls, Montana
Annual interest earnings at current MT average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.953% APY) | Monthly Earnings | Standard Savings (0.589% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $97.66 / year | $8.14 | $29.45 / year | $2.45 |
| $10,000 | $195.31 / year | $16.28 | $58.90 / year | $4.91 |
| $25,000 | $488.28 / year | $40.69 | $147.25 / year | $12.27 |
| $50,000 | $976.55 / year | $81.38 | $294.50 / year | $24.54 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Great Falls, Montana savings rate averages as of October 14, 2026. | ||||
About Our Great Falls, Montana Savings Rate Database
MonitorBankRates found 7 institutions with branches in Great Falls (2 banks, 5 credit unions), plus 19 additional state-chartered and national online institutions available to Great Falls residents. 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 to 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: US Bank offers a savings account at 3.50% APY with a minimum deposit of $25. Use the rate table above to compare all current offers in Great Falls, Montana.
How to Find the Best Savings Rates in Great Falls, Montana
What to compare when shopping for a savings account in Great Falls, Montana
To find the best savings APYs in Great Falls, Montana, start with credit unions and online-only banks: Great Falls, Montana has 15 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. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current MT high-yield savings average is 1.953% but top local institutions are offering as high as 3.50%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Great Falls, Montana high-yield savings rates currently average 1.953% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Great Falls, Montana institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 26 institutions in Great Falls, Montana report savings rates to our database.
- You’re among Great Falls, Montana’s 20.0% 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 Great Falls, Montana CD rates
- You want check-writing flexibility Great Falls, Montana money market rates
- You need daily transaction access Great Falls, Montana checking rates
Great Falls, Montana Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
20.0% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible savings 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 savings average of 1.953%, saving 10% of the local median salary ($3,907/year) would earn an additional $76 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Great Falls, Montana Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Great Falls, Montana.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current MT Avg APY | 1.953% | 0.589% | View MMA Rates | 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 | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $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 | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Great Falls, Montana averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Great Falls, Montana
At MT’s top rate of 3.50% from US Bank, a $10,000 deposit earns $350 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Great Falls, Montana earner is roughly $9,800. At 1.953% APY, saving $810/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsMontana’s high-yield savings average is 1.953% APY, variable and always accessible. 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 Great Falls, Montana earner makes $39,079/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.953% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.953% APY grows to roughly $36,809 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 Great Falls, Montana savings 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 Savings Rate Data: We aggregate savings account rates for Great Falls, 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 Great Falls, 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 Great Falls, Montana
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Great Falls, Montana safe?
How often do savings rates change in Great Falls, 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 Great Falls, Montana?
How do I open a savings account in Great Falls, Montana?
Best Savings Rates in Great Falls, Montana
- US Bank
Bank Smartly Savings Account: 3.50% APY - Horizon Credit Union
HomeStart Savings: 3.03% APY - Montana Federal Credit Union
Peak Rewards Savings: 3.00% APY - Billings Federal Credit Union
All IRA Shares: 2.00% APY - 1st Liberty Federal Credit Union
Christmas Club Shares: 1.01% APY
Great Falls, Montana Rates & Resources
