Best CD Rates in Montana, MT

You are viewing rates from banks across Montana

Below are the best one-year CD Rates from banks in Montana. One-year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

MT - July 30, 2025

1 Year CD National Average : 0.55% ^?

Banks	APY	MIN	MILES ^?
Finworth, a division of InsBank	4.46%	$50,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.35% → 4.55% → 4.35% → 4.20% → 4.46%
Geoffrey Christopher 1 \| Nov 12, 2023 Finworth looks legit, but their online disclosures and incomplete and you cannot reach them by phone and they don't respond to inquiries. I am moving along and you should too. Read More
Popular Direct	4.40%	$10,000	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 270 days interest. Rate History: 4.50% → 4.40% → 4.30% → 4.25% → 4.40%
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
Colorado Federal Savings Bank	4.40%	$5,000	-	Learn More Add Review
Early Withdrawal Penalty is 3 months interest. Rate History: 4.50% → 4.45% → 4.40% → 4.00% → 4.40%
jp2 \| Jul 1, 2022 not really an onllne bank. compare this interface that gives you no information with that of any other bank (I cannot even confirm the rate). cannot switch in and out of cds or np cds. just not an online b... Read More
Merrick Bank	4.35%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.10% → 4.35% → 4.25% → 4.05% → 4.35%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
Prime Alliance Bank	4.30%	$500	-	Learn More
Early Withdrawal Penalty is 30 days interest. Rate History: 4.75% → 4.50% → 4.45% → 4.25% → 4.30%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
Bask Bank, a division of Texas Capital Bank	4.30%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.40% → 4.25% → 4.40% → 4.30%
smithy1968 \| Apr 20, 2024 Save your tears for another day. Very frustrating. 1-star. Read More
TotalDirect, a division of City National Bank of Florida	4.25%	$25,000	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 5.35% → 4.50% → 4.46% → 4.41% → 4.25%
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
ableBanking, a division of Northeast Bank	4.25%	$500	-	Learn More Add Review
Rate History: 5.15% → 4.70% → 4.20% → 4.00% → 4.25%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Limelight Bank, A division of Capital Community Bank	4.25%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.90% → 4.75% → 4.50% → 4.40% → 4.25%
Savvysaver \| Jun 26, 2020 Rate not current Read More
Rising Bank, a division of Midwest BankCentre	4.21%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.25% → 4.15% → 4.25% → 4.45% → 4.21%
Az1 \| Aug 26, 2022 Too slow to raise rates. Read More
Sallie Mae Bank	4.20%	$2,500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.10% → 4.00% → 4.25% → 4.40% → 4.20%
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)
First Internet Bank of Indiana	4.19%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.84% → 4.42% → 4.20% → 4.40% → 4.19%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
CFG Bank	4.15%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 4.25% → 4.15% → 4.00% → 4.15%
TJK \| Sep 30, 2023 CFG overs very competitive Interest rates on their High Yield Savings account. I did everything ONLINE and have not had any issues with their service. Read More
Goldman Sachs Bank	4.10%	$500	-	Learn More Add Review
Rate History: 4.30% → 4.20% → 4.10% → 4.25% → 4.10%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
Transportation Alliance Bank, Inc. d/b/a TAB Bank	4.10%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 5.02% → 4.85% → 4.25% → 4.21% → 4.10%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Seattle Bank	4.10%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 5.00% → 5.00% → 4.55% → 4.30% → 4.10%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
National Cooperative Bank	4.08%	$2,500	-	Learn More
Early Withdrawal Penalty is 3 months interest. Rate History: 5.18% → 5.02% → 5.18% → 4.30% → 4.08%
JC \| Jun 1, 2021 Update: STAY AWAY FROM THIS BANK! They have no clue how to run an online bank. This bank is not ready for prime time. Nothing but problems. Customer service is dismal at best. Read More Reviews (2)
Canadian Imperial Bank USA	4.01%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 30 days interest. Rate History: 4.56% → 4.43% → 4.31% → 4.21% → 4.01%
ytr0171 \| Jul 23, 2023 easy to work with but the rate isn't competitive. not even the leading savings rate banks are competitive versus short us treasuries. Read More
Capital One 360	4.00%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 3 months interest. Rate History: 4.50% → 4.20% → 4.00% → 4.10% → 4.00%
NS123 \| Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More
Discover Bank	4.00%	$2,500	-	Learn More Add Review
Rate History: 4.90% → 4.80% → 4.70% → 4.10% → 4.00%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
MainStreet Bank	4.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 5.15% → 5.00% → 4.25% → 4.15% → 4.00%
M.Y. Safra Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.20% → 3.00% → 4.90% → 4.55% → 4.75%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Synchrony Bank	4.00%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.60% → 4.50% → 4.40% → 4.20% → 4.00%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
Capital One, National Association	4.00%	$0	-	Learn More
Rate History: 5.00% → 4.50% → 4.20% → 4.10% → 4.00%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Ivy Bank	4.00%	$1,000	-	Learn More Add Review
Rate History: 5.00% → 4.60% → 4.20% → 4.35% → 4.00%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More
Amboy Direct	4.00%	$10,000	-	Learn More Add Review
Union Bank and Trust Company	4.00%	$1,000	-	Learn More
Rate History: 1.81% → 4.85% → 4.75% → 4.30% → 4.00%
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Forbright Bank	4.00%	$1,000	-	Learn More
Rate History: 5.30% → 5.10% → 5.30% → 4.25% → 4.00%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Forbright and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and ... Read More Reviews (2)
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.90% → 4.40% → 4.30% → 4.10% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Valley Direct, a division of Valley National Bank	3.90%	$500	-	Learn More Add Review
Rate History: 5.00% → 5.25% → 5.60% → 4.30% → 3.90%
AEM \| Sep 18, 2023 I agree with another user, this bank is very poorly put together, and may very well be an operation in large part used to extract and sell people's personal information. I called customer service and had ... Read More
First Foundation Bank	3.90%	$2,500	-	Learn More
Rate History: 4.85% → 4.60% → 4.25% → 4.00% → 3.90%
james \| Nov 18, 2023 bank delayed 1-2days to credit into your account, pay less interest. Read More Reviews (32)
Virtualbank, a division of First Horizon Bank	3.87%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 1% of principal.
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
Ally Bank	3.85%	$0	-	Learn More Add Review
Rate History: 4.25% → 4.10% → 4.00% → 3.90% → 3.85%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Vio Bank, A Division of MidFirst Bank	3.85%	$500	-	Learn More Add Review
Rate History: 4.20% → 4.00% → 4.15% → 4.00% → 3.85%
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Bank of Whittier, National Association	3.82%	$1,000	-	Learn More Add Review
TIAA Bank / Everbank	3.80%	$1,000	-	Learn More Add Review
Early withdrawal penalty is one-fourth the amount of interest that would have been earned had CD been held to maturity. Rate History: 4.70% → 4.10% → 4.00% → 3.90% → 3.80%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Banesco USA	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.15% → 5.15% → 4.50% → 4.20% → 3.80%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
LendingClub	3.75%	$2,500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.60% → 4.40% → 4.10% → 4.00% → 3.75%
overdrawn \| Nov 12, 2022 I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transactio... Read More Reviews (21)
Salem Five Direct	3.75%	$500	-	Learn More Add Review
Rate History: 2.95% → 3.75%
LarryMass \| Dec 8, 2020 Everyone here in Boston raves about Salem Five but it is shithole operation filled with nasty entitled people. As for this online savings product, the fees are ridiculous, the transfer charges are obnoxiou... Read More
Northfield Bank	3.75%	$0	-	Learn More Add Review
Rate History: 1.25% → 2.00% → 1.25% → 4.25% → 3.75%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
Blue Foundry Bank	3.75%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 4.50% → 4.00% → 3.75%
Peak Bank	3.70%	$500	-	Learn More Add Review
Gary Smith \| Jan 28, 2025 4.75% is an introductory rate and they are not openly clear about that. Don't expect 4.75% to continue. They are otherwise competitive. Read More
IncredibleBank	3.55%	$1,000	-	Learn More Add Review
• $1,000 minimum deposit to open an account. • A penalty may be imposed for early withdrawal. • Account fees may reduce your earnings. Rate History: 5.17% → 5.00% → 4.08% → 4.06% → 3.55%
nonsense \| May 21, 2021 avoid this Read More
Hingham Institution for Savings	3.54%	$1,000	-	Learn More Add Review
Rate History: 3.85% → 3.64% → 3.54%
TD Bank, National Association	3.51% 0.05%	$10,000 $10,001	-	Learn More
Rate History: 4.00% → 4.50% → 4.00% → 3.75% → 3.51%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Warning: Early Withdrawal Penalty is 12 Months interest. Rate History: 5.60% → 5.30% → 4.75% → 4.00% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
Citizens	3.50%	$5,000	-	Learn More Add Review
Early Withdrawal Penalty is 90 days interest. Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50%
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
WebBank	3.50%	$2,500	-	Learn More
Rate History: 1.10% → 3.50%
dbestway@gmail.com \| Aug 13, 2019 I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one busines... Read More Reviews (2)
Citizens	3.50%	$5,000	-	Learn More
Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
American Express Bank, FSB	3.25%	$0	-	Learn More Add Review
Rate History: 3.85% → 3.60% → 3.85% → 3.50% → 3.25%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.25% → 3.75% → 4.25% → 4.10% → 3.25%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
Dollar Savings Direct, a division of Emigrant Bank	3.25%	$1,000	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 5.00% → 5.00% → 3.50% → 3.25%
J Dally \| Jun 13, 2023 I'll steer clear of Dollar Savings Direct and My Savings Direct until they guarantee users at both online divisions their best rates. Banks have the right to segment their customers yes, but these games w... Read More
Bank of America, National Association	3.25%	$100,000	-	Learn More
Rate History: 3.75% → 4.25% → 3.75% → 3.51% → 3.25%
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (7)
Citibank, National Association	3.00%	$0	-	Learn More
Rate History: 2.75% → 2.00% → 4.00% → 2.50% → 3.00%
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
BMO Alto, a division of Bank of Montreal Harris	3.00%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.50% → 4.30% → 4.20% → 3.90% → 3.00%
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
Climate First Bank	2.91%	$500	-	Learn More
Rate History: 1.00% → 2.91%
tjgarnett \| Mar 2, 2024 Attracted to the name, but the service had too many steps so I didn't open an account. Read More Reviews (1)
Chesapeake Bank	2.75%	$1,000	-	Learn More Add Review
Rate History: 0.75% → 3.00% → 2.85% → 3.00% → 2.75%
ruler009 \| May 26, 2017 Before009 Read More
USAA Federal Savings Bank	2.05%	$1,000	-	Learn More
Rate History: 4.85% → 4.40% → 4.25% → 3.00% → 2.05%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
Bank of Montreal Harris	2.00%	$1,000	-	Learn More Add Review
Rate History: 0.05% → 2.00%
GAM \| Jul 28, 2020 Dropped rates again with restrictive transfer limits and poor service. Better rates and liquidity elsewhere. Beware!!! Read More
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 3.50% → 3.25% → 3.00% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
Wells Fargo Bank, National Association Big Sandy Branch	2.00%	$25,000	-	Learn More
Rate History: 2.00% → 1.50% → 3.25% → 2.00%
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
USAA Federal Savings Bank	1.80%	$1,000	-	Learn More Add Review
Rate History: 4.65% → 3.00% → 1.80%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
Hingham Savings	1.01%	$1,000	-	Learn More Add Review
Rate History: 1.65% → 1.01% → 4.15% → 1.01%
First Security Bank of Deer Lodge First Security Bank Of Deer Lodge Branch	1.00%	$10,000	-	Learn More Add Review
Merchants Bank Fairview Bank Branch	0.80%	$10,000	-	Learn More Add Review
Unity Bank	0.79%	$100,000	-	Learn More Add Review
Freedom Bank Freedom Bank Branch	0.75%	$10,000	-	Learn More Add Review
The First State Bank of Shelby The First State Bank Of Shelby Branch	0.75%	$100,000	-	Learn More Add Review
OneLocal Bank	0.75%	$1,000	-	Learn More Add Review
Rate History: 0.75% → 0.30% → 0.75%
The First State Bank of Malta The First State Bank Of Malta Branch	0.70%	$10,000	-	Learn More Add Review
Unity Bank	0.69%	$500	-	Learn More Add Review
The First State Bank of Shelby The First State Bank Of Shelby Branch	0.65%	$500	-	Learn More Add Review
Valley Bank of Kalispell Valley Bank Of Kalispell Branch	0.65%	$10,000	-	Learn More Add Review
Citizens Bank & Trust Company Continental Branch	0.60%	$10,000	-	Learn More Add Review
Madison Valley Bank Clancy Branch	0.60%	$10,000	-	Learn More Add Review
Garfield County Bank Redwater Valley Bank Branch	0.55%	$10,000	-	Learn More Add Review
Bank of The Rockies Paradise Valley Branch	0.50%	$10,000	-	Learn More Add Review
Citizens Alliance Bank Seeley Lake Branch	0.50%	$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)
Belt Valley Bank Belt Valley Bank Branch	0.50%	$10,000	-	Learn More Add Review
Manhattan Bank Amsterdam Churchill Branch	0.50%	$10,000	-	Learn More Add Review
MutualOne Bank	0.45%	$500	-	Learn More
Rate History: 0.45% → 2.02% → 0.45%
Thomas DeMauro \| Aug 28, 2022 Rates are totally uncompetitive now. Read More Reviews (11)
Independence Bank Independence Bank Branch	0.45%	$10,000	-	Learn More
dionpayne \| Jun 28, 2017 showmefourtythousanddollars Read More Reviews (1)
American Bank Center Community First Bank Of Glendive Bra Branch	0.45%	$10,000	-	Learn More
Boyd \| Nov 26, 2023 What is Bravera swift code Read More Reviews (1)
Bank of The Rockies Paradise Valley Branch	0.45%	$10,000	-	Learn More Add Review
The Bank of Baker The Bank Of Baker Branch	0.45%	$10,000	-	Learn More Add Review
First Security Bank of Roundup First Security Bank Of Roundup Branch	0.40%	$1,000	-	Learn More Add Review
First Montana Bank, Inc. Kalispell Branch	0.40%	$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)
Bank of Bozeman Bank Of Bozeman Branch	0.40%	$10,000	-	Learn More Add Review
The Yellowstone Bank 544 Pike Avenue Branch	0.35%	$10,000	-	Learn More Add Review
Little Horn State Bank Little Horn State Bank Branch	0.35%	$10,000	-	Learn More Add Review
Three Rivers Bank of Montana North Meridian Branch	0.32%	$10,000	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.30%	$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
Opportunity Bank of Montana 711 S. 1st Street Branch	0.30%	$10,000	-	Learn More Add Review
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 181 days interest.
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
Native American Bank, National Association Main Office Branch	0.25%	$100,000	-	Learn More Add Review
American Bank Big Timber Branch	0.25%	$500	-	Learn More Add Review
Farmers State Bank Darby Branch	0.25%	$10,000	-	Learn More Add Review
The Bank of Commerce Dillon Branch	0.25%	$10,000	-	Learn More Add Review
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
Glacier Bank Missoula Mulan Office Branch	0.20%	$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	0.20%	$10,000	-	Learn More Add Review
Valley Bank of Ronan Valley Bank Of Ronan Branch	0.20%	$10,000	-	Learn More Add Review
First Security Bank of Helena First Security Bank Of Helena Branch	0.20%	$10,000	-	Learn More Add Review
Banco Bilbao Vizcaya Argenteria	0.15%	$500	-	Learn More Add Review
The Duffster \| May 21, 2018 I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More
First Interstate Bank Helena Touchmark Branch	0.15%	$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)
Summit National Bank Ekalaka Branch	0.15%	$10,000	-	Learn More Add Review
Glacier Bank Missoula Mulan Office Branch	0.11%	$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)
TrailWest Bank Evergreen Branch	0.10%	$10,000	-	Learn More Add Review
Eagle Bank Eagle Bank Branch	0.10%	$10,000	-	Learn More Add Review
Glacier Bank Missoula Mulan Office 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)
KeyBank National Association	0.05%	$2,500	-	Learn More
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
U.S. Bank National Association Billings Southwest 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)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
OneWest Bank, a division of First-Citizens Bank and Trust	0.01%	$500	-	Learn More Add Review

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
Wells Fargo Bank, National Association Big Sandy Branch	1 Johannes Avenue	Big Sandy	MT
First Security Bank of Deer Lodge First Security Bank Of Deer Lodge Branch	311 Milwaukee Avenue	Deer Lodge	MT
Merchants Bank Fairview Bank Branch	216 South Ellery Avenue	Fairview	MT
Freedom Bank Freedom Bank Branch	530 9th Street West	Columbia Falls	MT
The First State Bank of Shelby The First State Bank Of Shelby Branch	320 Main Street	Shelby	MT
The First State Bank of Malta The First State Bank Of Malta Branch	1 South 1st Street East	Malta	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
Citizens Bank & Trust Company Continental Branch	32 Central Avenue North	Harlowton	MT
Madison Valley Bank Clancy Branch	9 Bankers Lane	Clancy	MT
Garfield County Bank Redwater Valley Bank Branch	300 Main Street	Circle	MT
Bank of The Rockies Paradise Valley Branch	Po Box 298	Emigrant	MT
Citizens Alliance Bank Seeley Lake Branch	3084 Highway 83 N.	Seeley Lake	MT
Belt Valley Bank Belt Valley Bank Branch	111 Castner Street	Belt	MT
Manhattan Bank Amsterdam Churchill Branch	7175 Churchill Road	Manhattan	MT
Independence Bank Independence Bank Branch	435 Third Street	Havre	MT
Bravera Bank Community First Bank Of Glendive Bra Branch	319 North Merrill Avenue	Glendive	MT
Bank of The Rockies Paradise Valley Branch	Po Box 298	Emigrant	MT
The Bank of Baker The Bank Of Baker Branch	116 S Main Street	Baker	MT
First Security Bank of Roundup First Security Bank Of Roundup Branch	401 Main Street	Roundup	MT
First Montana Bank, Inc. Kalispell Branch	85 North Main Street	Kalispell	MT
Bank of Bozeman Bank Of Bozeman Branch	875 Harmon Stream Boulevard	Bozeman	MT
The Yellowstone Bank 544 Pike Avenue Branch	544 Pike Avenue	Columbus	MT
Little Horn State Bank Little Horn State Bank Branch	835 North Center Avenue	Hardin	MT
Three Rivers Bank of Montana North Meridian Branch	552 North Meridian Road	Kalispell	MT
Opportunity Bank of Montana 711 S. 1st Street Branch	711 S. 1st Street	Hamilton	MT
Native American Bank, National Association Main Office Branch	125 North Public Square	Browning	MT
American Bank Big Timber Branch	Stock And First Streets	Big Timber	MT
Farmers State Bank Darby Branch	805 South Main	Darby	MT
The Bank of Commerce Dillon Branch	110 South Idaho Street	Dillon	MT
Glacier Bank Missoula Mulan Office Branch	3660 Mullan Road	Missoula	MT
Native American Bank, National Association Main Office Branch	125 North Public Square	Browning	MT
Valley Bank of Ronan Valley Bank Of Ronan Branch	63659 Us Highway 93 South	Ronan	MT
Ascent Bank First Security Bank Of Helena Branch	1721 11th Avenue	Helena	MT
First Interstate Bank Helena Touchmark Branch	915 Saddle Drive	Helena	MT
Summit National Bank Ekalaka Branch	307 North Main Street	Ekalaka	MT
Glacier Bank Missoula Mulan Office Branch	3660 Mullan Road	Missoula	MT
TrailWest Bank Evergreen Branch	2604 Highway 2 East	Kalispell	MT
Eagle Bank Eagle Bank Branch	80 Heritage Lane	Polson	MT
Glacier Bank Missoula Mulan Office Branch	3660 Mullan Road	Missoula	MT
U.S. Bank National Association Billings Southwest Branch	920 South 29th Street West	Billings	MT

See rates for Online Banks →

See rates for Credit Unions →

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

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.

When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
CDs provide a predictable, set rate of return.
Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of branch-based CDs are:

The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.
One year CDs from branch banks often pay less interest than from online banks. Please see those rates here.

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.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

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CD Products by State

CD Products by City in Montana

CD Resources

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Montana CD Rates

Branches Info around zip 10007

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

CD Terms

CD Risk

How Interest is Paid

Interest Rate

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

The disadvantages of branch-based CDs are:

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in Montana

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