Whitefish, 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 Whitefish, Montana and the surrounding area include Whitefish Credit Union AssociationWhitefish Credit Union Association300 Baker Ave, Whitefish, MT 59937A+5.0 ★Texas Ratio: 0.87% Savings at 1.10% APY, Park Side Financial Credit UnionPark Side Financial Credit Union1300 Baker Ave, Whitefish, MT 59937 2988A+5.0 ★Texas Ratio: 1.87% IRA Shares at 0.15% APY, 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, and Horizon Credit UnionHorizon Credit Union2330 S Reserve St, Missoula, MT 59801A+5.0 ★Texas Ratio: 1.53% HomeStart Savings at 3.03% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Whitefish, 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 Whitefish, Montana (MT) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Whitefish, Montana and the surrounding area. Last Updated and Verified: March 26, 2026
Compare the Best Savings Rates in Whitefish, Montana & Surrounding Communities
Qualifying balance up to $5,000.00
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
$2,500 - $19,999
ADB Under $10,000
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
$20,000.00
Matures October 1
Matures June 1
$0 - $19,999.99
Balance $0
Qualifying balance up to $2,499.00
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
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.
Whitefish, MT Savings Rate Trends
Compare local Whitefish, 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 1.150 points this week to 0.332% APY, down from 1.482% last week.
Montana standard savings rates fell 0.973 points this week to 0.458% APY, down from 1.431% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Whitefish, 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 Whitefish, 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 Whitefish, Montana
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Whitefish, Montana safe?
How often do savings rates change in Whitefish, 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 Whitefish, Montana?
How do I open a savings account in Whitefish, Montana?
Best Savings Rates in Whitefish, Montana
- Whitefish Credit Union Association
Savings — 1.10% APY - Park Side Financial Credit Union
IRA Shares — 0.15% APY - 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
