Helena, Montana (MT) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Helena, Montana and the surrounding area include Vocal Credit UnionVocal Credit Union2910 Prospect Ave, Helena, MT 59601 9726A+5.0 ★Texas Ratio: 5.34% IRA SHARES and over at 1.26% APY, Rocky Mountain Credit UnionRocky Mountain Credit Union3400 N Montana Ave, Helena, MT 59602A5.0 ★Texas Ratio: 7.32% HSA Savings at 0.50% APY, Intrepid Credit UnionIntrepid Credit Union915 Kessler St, Helena, MT 59601A+5.0 ★Texas Ratio: 1.35% Share Savings at 0.05% APY, Wells FargoWells Fargo350 N Last Chance Gulch, Helena, MT 59601A5.0 ★Texas Ratio: 7.44% Retirement High Yield Savings at 0.05% APY, and Farmers State Bank Victor, MTFarmers State Bank Victor, MT2125 N Last Chance Gulch, Helena, MT 59601A5.0 ★Texas Ratio: 8.58% Business Savings at 0.03% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Helena, 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 Helena, Montana (MT) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Helena, Montana and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Helena, Montana & Surrounding Communities
$20,000.00
$0 - $19,999.99
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
Open Account
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
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; Qualifying balance up to $10,000
up to $10,000
ADB Under $10,000
$2,500 - $19,999
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
Matures June 1
Matures October 1
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.
Helena, MT Savings Rate Trends
Compare local Helena, 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 2.668 points this week to 0.332% APY, down from 3.000% last week.
Montana standard savings rates fell 1.236 points this week to 0.463% APY, down from 1.700% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Helena, 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 Helena, 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 Helena, Montana
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Helena, Montana safe?
How often do savings rates change in Helena, 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 Helena, Montana?
How do I open a savings account in Helena, Montana?
Best Savings Rates in Helena, Montana
- Vocal Credit Union
IRA SHARES and over — 1.26% APY - Rocky Mountain Credit Union
HSA Savings — 0.50% APY - Intrepid Credit Union
Share Savings — 0.05% APY - Wells Fargo
Retirement High Yield Savings — 0.05% APY - Farmers State Bank Victor, MT
Business Savings — 0.03% APY
