Montana

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Credit Union CD Rates – 6-Month – Montana

You are viewing rates from credit unions across Montana





Below are the best six month CD Rates from credit unions in Montana. Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.

MT - July 31, 2025

6 Month CD National Average : 0.41% ?

Credit Unions APY MIN MILES ?

Rate History: 5.50% → 5.25% → 4.65% → 4.35% → 4.15%

Rate History: 4.50% → 4.40% → 4.25% → 3.90%

Rate History: 4.87% → 4.35% → 4.08% → 3.40% → 2.23%

| Dec 14, 2022

Agree with Jaben to stay away from docfcu. They don't appreciate loyal members and easily turn down any requests after a delayed response. I have closed my accounts and moved my funds to better institutio... Read More

0.85%

$100,000

-

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0.85%

$100,000

-

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0.65%

$10,000

-

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0.60%

$10,000

-

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0.50%

$100,000

-

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0.50%

$10,000

-

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0.45%

$100,000

-

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0.45%

$10,000

-

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0.45%

$10,000

-

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0.40%

$10,000

-

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0.40%

$2,000

-

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0.35%

$10,000

-

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0.30%

$100,000

-

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0.25%

$10,000

-

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0.25%

$10,000

-

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0.25%

$10,000

-

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0.25%

$10,000

-

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0.25%

$10,000

-

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0.25%

$10,000

-

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0.25%

$10,000

-

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0.25%

$100,000

-

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Valley Financial


Restrictions

0.25%

$1,000

-

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0.25%

$10,000

-

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0.25%

$10,000

-

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0.25%

$10,000

-

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| Nov 11, 2022

It would be great to hear back from someone regarding my bump-up rate currently available, BEFORE 18 days has passed. Still waiting. Read More

0.20%

$10,000

-

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0.20%

$10,000

-

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0.20%

$10,000

-

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0.15%

$10,000

-

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0.15%

$10,000

-

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0.10%

$10,000

-

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0.10%

$10,000

-

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Sky

Sky Branch
Restrictions

0.10%

$10,000

-

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0.05%

$10,000

-

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Edu


Restrictions

0.01%

$500

-

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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
PARK SIDE FINANCIAL
Expressway Expressway Branch
4500 Expressway Missoula MT
GRASSLANDS
Mccone County Mccone County Branch
311 Main Circle MT
PARK SIDE FINANCIAL
Expressway Expressway Branch
4500 Expressway Missoula MT
SEG
Seg Seg Branch
617 SE 4th Street Laurel MT
HORIZON
Butte Branch Butte Branch
1555 Harrison Ave Butte MT
CLEARWATER
Missoula Missoula Branch
3600 Brooks St Missoula MT
RUSSELL COUNTRY
Russell Country Russell Country Branch
810 1 Ave S Great Falls MT
DANIELS-SHERIDAN
Daniels-sheridan Daniels-sheridan Branch
404 Main Scobey MT
COMMUNITY 1ST
Community 1st Community 1st Branch
2905 Main Street Miles City MT
HORIZON
Butte Branch Butte Branch
1555 Harrison Ave Butte MT
RIMROCK
Rimrock Rimrock Branch
952 Central Avenue Billings MT
1ST LIBERTY
1st Liberty 1st Liberty Branch
6200 3rd Ave No Great Falls MT
ALTANA
Altana Altana Branch
3212 Central Avenue Billings MT
BILLINGS
Billings Billings Branch
2522 4th Ave N Billings MT
INTREPID
Helena Community Helena Community Branch
915 Kessler Street Helena MT
BEAR PAW
Bear Paw Bear Paw Branch
201 2nd Street Havre MT
RUSSELL COUNTRY
Russell Country Russell Country Branch
810 1 Ave S Great Falls MT
GRASSLANDS
Mccone County Mccone County Branch
311 Main Circle MT
WOLF POINT
Wolf Point Wolf Point Branch
217 3rd Ave South Wolf Point MT
MONTANA
Montana Montana Branch
901 8th Ave S Great Falls MT
RAVALLI COUNTY
Ravalli County Ravalli County Branch
510 N First Street Hamilton MT
BUTTE COMMUNITY
Main Office Main Office Branch
2901 Grand Ave Butte MT
BILLINGS
Billings Billings Branch
2522 4th Ave N Billings MT
MONTANA HEALTH
Montana Health Montana Health Branch
3100 2nd Avenue N Billings MT
MILES CITY
Miles City Miles City Branch
2513 Main Street Miles CIty MT
VOCAL
2910 Prospect Ave 2910 Prospect Ave Branch
2910 Prospect Ave Helena MT
EMBARK
Great Falls Teachers Great Falls Teachers Branch
1500 River Drive N Great Falls MT
SOUTHWEST MONTANA COMMUNITY
Southwest Montana Co Southwest Montana Co Branch
1035 West Park Anaconda MT
ALTANA
Altana Altana Branch
3212 Central Avenue Billings MT
MILE HIGH
Mile High Mile High Branch
3410 MONROE AVE BUTTE MT
BUTTE COMMUNITY
Main Office Main Office Branch
2901 Grand Ave Butte MT
BADLANDS
Badlands Badlands Branch
302 W. Towne Glendive MT
MONTANA EDUCATORS'
Montana Educators' Montana Educators' Branch
2000 S Russell Street Missoula MT
SKY
Sky Sky Branch
111 North B Street Livingston MT


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Credit Union Certificates of Deposit 2025

Credit union certificates of deposit (“CDs”, also commonly called “time deposits” at credit unions) are contract-based and time-based savings vehicles that are offered by credit unions. In return for agreeing to keep your money tied up with the credit union for a given time period, you earn a fixed rate or return that cannot change over the course of that period. Should you need your money before the expiration of the contractual period, the penalties for early withdrawal can be severe. Not all credit unions even offer early withdrawal from CDs; many that do offer it maintain the right to deny it in their fine print. It therefore is important to fully understand the terms of any time-based deposit that you enter with a credit union. Read this article for further detail on early withdrawal penalties.

Many Americans enjoy performing their banking transactions with credit unions, citing better rates, non-profit status (owned by its depositors), more helpful employees, and a commitment to the community that is above the level offered by local banks. You will find a map with all credit unions that are close to you here. It is important to note that some credit unions have limited fields of membership, although others are more open ended. Under any circumstance, you must meet the membership requirements in order to become a member and open a CD or time deposit.

Those who are willing to tie up their money for one year will often get a slight premium over the best available savings rates. People who work with credit unions may find that they offer better rates on CDs or time deposits than local banks and online banks. You however should check the local bank rates where you live here and the online rates here.

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

NCUA Insurance

Most, but not all, credit unions listed on BestCashCow are insured by the National Credit Union Administration (NCUA). You should confirm that the credit union that you are working with is NCUA-insured by visiting that institution’s BestCashCow page (NCUA coverage is detailed on the overview tab). The NCUA insures each named individual's deposits to $250,000 for all accounts at the credit union within ownership class. The rules are very similar, but not identical, to those for FDIC insurance. You should always stay within NCUA insurance limits.

BestCashCow strongly recommends that you deposit money only in NCUA insured credit unions and that you stay within insured limits. If you are considering depositing over $250,000 at a single NCUA-insured credit union across products (share certificates, time deposits, etc.) or across types of ownership (individual, joint, etc.) you should use the NCUA’s Share Insurance Toolkit in order to be sure that you are not exceeding coverage limits.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS

Is my money any less safe at a credit union?

As long as your credit union is NCUA insured and you stay within the NCUA limits, As long as your credit union is NCUA insured and you stay within the NCUA limits, your money is no less safe than it would be in an FDIC-insured bank.

Is there any difference between a time deposit offered by a credit union and a CD account offered by a bank?

The difference is mainly one of terminology. But, you should always completely understand the terms of a time deposit or CD before you enter it, paying careful attention to the early withdrawal penalties. A reasonable early withdrawal penalty for a 1-year CD or time deposit is 3 months, and a reasonable early withdrawal penalty for a longer term CD is 6 months.

Does the small amount of interest gained on a time deposit make sense given the fact that I am losing access to my capital (liquidity)?

This is a decision that depends on your own specific circumstances, your needs for cash, and other investments that you may wish to pursue over the period of your time deposit or CD. The premium in a one-year CD is very small, with the premium of longer-term CDs being a little wider. A small difference in compounding interest can make a large difference over long period of time. You may wish to familiarize yourself with our Savings Booster Calculator  in order to understand the importance of compounding interest at higher rates on your money over time.

SAVINGS & CD CALCULATOR

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