Best 2-Year CD Rates in Butte-Silver Bow, Montana, MT

You are viewing rates from banks across Butte-Silver Bow

Below are two-year Certificates of Deposit (CD) rates from banks in Butte-Silver Bow, Montana. Two year CDs generally offer a higher rate than 1 year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.

Butte-Silver Bow, MT - August 1, 2025

2 Year CD National Average : 0.66% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 270 days interest. Rate History: 4.10% → 4.20% → 4.15% → 4.05% → 4.15%
Neil \| Dec 18, 2023 I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More
Sallie Mae Bank	4.00%	$2,500	-	Learn More
Rate History: 4.50% → 4.20% → 4.05% → 3.75% → 4.00%
HAL1975 \| Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More Reviews (40)
TotalDirect, a division of City National Bank of Florida	4.00%	$25,000	-	Learn More Add Review
Rate History: 4.34% → 4.00% → 4.00% → 4.21% → 4.00%
79Thru \| Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More
Citizens	3.50%	$5,000	-	Learn More Add Review
james \| Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More
Vio Bank, A Division of MidFirst Bank	3.50%	$500	-	Learn More Add Review
Rate History: 3.50% → 3.50% → 3.75% → 3.50%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
Jenny Kingston \| Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More
Freedom Bank Freedom Bank Branch	1.00%	$10,000	-	Learn More Add Review
The First State Bank of Malta The First State Bank Of Malta Branch	0.90%	$10,000	-	Learn More Add Review
Merchants Bank Fairview Bank Branch	0.90%	$10,000	-	Learn More Add Review
The First State Bank of Shelby The First State Bank Of Shelby Branch	0.85%	$500	-	Learn More Add Review
Valley Bank of Kalispell Valley Bank Of Kalispell Branch	0.85%	$10,000	-	Learn More Add Review
Garfield County Bank Garfield County Bank Branch	0.80%	$10,000	-	Learn More Add Review
Madison Valley Bank First Madison Valley Bank Branch	0.80%	$10,000	-	Learn More Add Review
Manhattan Bank Manhattan Bank Branch	0.80%	$10,000	-	Learn More Add Review
Belt Valley Bank Belt Valley Bank Branch	0.75%	$10,000	-	Learn More Add Review
Citizens Alliance Bank First Bank Of Lincoln Branch	0.70%	$10,000	-	Learn More
Worst banking experience ever \| Jan 28, 2024 This is by far the worst banking experience I have ever had. They fail to understand the simple concept that you are the customer and that they are providing a service for you. They consistently slapped qu... Read More Reviews (1)
First Security Bank of Roundup First Security Bank Of Roundup Branch	0.65%	$1,000	-	Learn More Add Review
Citizens Bank & Trust Company Citizens Bank & Trust Company Branch	0.60%	$10,000	-	Learn More Add Review
Bank of Bozeman Bank Of Bozeman Branch	0.60%	$10,000	-	Learn More Add Review
Bank of The Rockies Bank Of The Rockies, National Association Branch	0.60%	$10,000	-	Learn More Add Review
First Montana Bank, Inc. First Montana Bank, Inc. Branch	0.59%	$10,000	-	Learn More
Mollyt \| Jul 13, 2022 Your online banking is not work is there something wrong with the website the is the second time. I g Could not loc.on Read More Reviews (1)
Independence Bank 214 Second Avenue Branch	0.55%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmefourtythousanddollars Read More Reviews (1)
Opportunity Bank of Montana Twin Bridges Branch	0.50%	$10,000	-	Learn More Add Review
Bank of The Rockies Bank Of The Rockies, National Association Branch	0.50%	$10,000	-	Learn More Add Review
The Yellowstone Bank 544 Pike Avenue Branch	0.50%	$10,000	-	Learn More Add Review
American Bank Center Community First Bank Of Glendive Bra Branch	0.50%	$10,000	-	Learn More
Boyd \| Nov 26, 2023 What is Bravera swift code Read More Reviews (1)
Three Rivers Bank of Montana Three Rivers Bank Of Montana Branch	0.48%	$10,000	-	Learn More Add Review
The Bank of Commerce Dillon Branch	0.45%	$10,000	-	Learn More Add Review
Little Horn State Bank Little Horn State Bank Branch	0.45%	$10,000	-	Learn More Add Review
Summit National Bank Ekalaka Branch	0.45%	$10,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.40%	$1,000	-	Learn More Add Review
RTN1949 \| Jun 2, 2022 I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More
Glacier Bank Ronan Branch	0.40%	$10,000	-	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
Native American Bank, National Association Main Office Branch	0.35%	$100,000	-	Learn More Add Review
Glacier Bank Ronan Branch	0.35%	$10,000	-	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
Glacier Bank Ronan Branch	0.30%	$10,000	-	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
Native American Bank, National Association Main Office Branch	0.30%	$10,000	-	Learn More Add Review
American Bank Livingston Branch	0.30%	$500	-	Learn More Add Review
Valley Bank of Ronan Lake County Bank Branch	0.30%	$10,000	-	Learn More Add Review
Farmers State Bank Farmers State Bank Branch	0.30%	$10,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
UtahJazz1 \| Jun 10, 2022 This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More
First Security Bank of Helena First Security Bank Of Helena Branch	0.25%	$10,000	-	Learn More Add Review
Glacier Bank Ronan Branch	0.21%	$10,000	-	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
wertlkgt \| Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More
First Interstate Bank Polson Branch	0.20%	$10,000	-	Learn More
kmills \| Nov 15, 2019 If you have a choice don't use these people for an auto loan. I called and got the loan pay off which I submitted electronically. I hadn't gotten any lean clearance info so I called. They said they held... Read More Reviews (2)
TrailWest Bank Ravalli Main Office Branch	0.20%	$10,000	-	Learn More Add Review
Eagle Bank Eagle Bank Branch	0.20%	$10,000	-	Learn More Add Review
Glacier Bank Ronan Branch	0.07%	$10,000	-	Learn More
CatAnn \| Dec 11, 2023 only series EE currently. I have I series and have to mail them in Read More Reviews (1)
U.S. Bank National Association Butte Branch	0.05%	$500	-	Learn More
Ugg \| Jun 12, 2023 US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More Reviews (2)

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around zip 10007

Branch	Street	City	State
Freedom Bank Freedom Bank Branch	530 9th Street West	Columbia Falls	MT
The First State Bank of Malta The First State Bank Of Malta Branch	1 South 1st Street East	Malta	MT
Merchants Bank Fairview Bank Branch	216 South Ellery Avenue	Fairview	MT
The First State Bank of Shelby The First State Bank Of Shelby Branch	320 Main Street	Shelby	MT
Valley Bank of Kalispell Valley Bank Of Kalispell Branch	41 3rd Street West	Kalispell	MT
Garfield County Bank Garfield County Bank Branch	444 Main Street	Jordan	MT
Madison Valley Bank First Madison Valley Bank Branch	213 East Main	Ennis	MT
Manhattan Bank Manhattan Bank Branch	124 South Broadway	Manhattan	MT
Belt Valley Bank Belt Valley Bank Branch	111 Castner Street	Belt	MT
Citizens Alliance Bank First Bank Of Lincoln Branch	503 Main Street	Lincoln	MT
First Security Bank of Roundup First Security Bank Of Roundup Branch	401 Main Street	Roundup	MT
Citizens Bank & Trust Company Citizens Bank & Trust Company Branch	130 Mcleod Street	Big Timber	MT
Bank of Bozeman Bank Of Bozeman Branch	875 Harmon Stream Boulevard	Bozeman	MT
Bank of The Rockies Bank Of The Rockies, National Association Branch	205 West Main Street	White Sulphur Springs	MT
First Montana Bank, Inc. First Montana Bank, Inc. Branch	201 North Higgins Avenue	Missoula	MT
Independence Bank 214 Second Avenue Branch	214 Second Avenue W	Poplar	MT
Opportunity Bank of Montana Twin Bridges Branch	107 South Main Street	Twin Bridges	MT
Bank of The Rockies Bank Of The Rockies, National Association Branch	205 West Main Street	White Sulphur Springs	MT
The Yellowstone Bank 544 Pike Avenue Branch	544 Pike Avenue	Columbus	MT
Bravera Bank Community First Bank Of Glendive Bra Branch	319 North Merrill Avenue	Glendive	MT
Three Rivers Bank of Montana Three Rivers Bank Of Montana Branch	233 East Idaho	Kalispell	MT
The Bank of Commerce Dillon Branch	110 South Idaho Street	Dillon	MT
Little Horn State Bank Little Horn State Bank Branch	835 North Center Avenue	Hardin	MT
Summit National Bank Ekalaka Branch	307 North Main Street	Ekalaka	MT
Glacier Bank Ronan Branch	63239 Us Highway 93	Ronan	MT
Native American Bank, National Association Main Office Branch	125 North Public Square	Browning	MT
Glacier Bank Ronan Branch	63239 Us Highway 93	Ronan	MT
Glacier Bank Ronan Branch	63239 Us Highway 93	Ronan	MT
Native American Bank, National Association Main Office Branch	125 North Public Square	Browning	MT
American Bank Livingston Branch	120 North 2nd Street	Livingston	MT
Valley Bank of Ronan Lake County Bank Branch	102 Crystal Street	Saint Ignatius	MT
Farmers State Bank Farmers State Bank Branch	103 Main Street	Victor	MT
Ascent Bank First Security Bank Of Helena Branch	1721 11th Avenue	Helena	MT
Glacier Bank Ronan Branch	63239 Us Highway 93	Ronan	MT
First Interstate Bank Polson Branch	Main Street	Polson	MT
TrailWest Bank Ravalli Main Office Branch	244 West Pinckney	Hamilton	MT
Eagle Bank Eagle Bank Branch	80 Heritage Lane	Polson	MT
Glacier Bank Ronan Branch	63239 Us Highway 93	Ronan	MT
U.S. Bank National Association Butte Branch	10 South Main Street	Butte	MT

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PRODUCT INFORMATION

Two Year CDs - Branch Banks 2025

Two year CDs, also know as 24 month CDs are an intermediate term product that commits a depositor to keeping their money in the bank for 24 months in return for a fixed rate of return during that period. All two year CDs shown on BestCashCow are FDIC insured.

While two year CDs commit a person to locking their money in for double the time of a 12 month CD, the rate is not double. As a result, a depositor should think about whether the extra rate is worth the extra time commitment.

In general, if rates are rising, it makes sense not to lock up money for an extended period of time.

If rates are falling, then it makes sense to put money into a longer-term instrument to lock-in a higher rate.

Many find opening CDs at local bank is often easier than online. In a branch, a depositor can sign CD documents and initiate a CD in person, and can often get it done faster than mailing a check or initiating a wire transfer in order to get their money to an online bank. Many also appreciate the opportunity to interact face to face with a real human being as opposed to by phone or instant messaging.

The advantages of a two year branch CD are:

A higher rate than 12 month CDs in return for leaving the money in the bank longer.
A fixed rate during the 24 month period.
A generally higher rate for the same term than what can be found in a branch-based bank.
FDIC insurance.
Convenience of opening and managing the CD online.

The disadvantages of a two year branch CDs are:

Rates are generally lower than on the top online savings and CD accounts.
Money is tied up for two years. Removing it early results in significant penalties.
Opening online can often take several days. Problems must be handled online or via the phone as there is no branch.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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Butte-Silver Bow, Montana CD Rates – 2-Year

Branches Info around zip 10007

PRODUCT INFORMATION

Two Year CDs - Branch Banks 2025

The advantages of a two year branch CD are:

The disadvantages of a two year branch CDs are:

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