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

You are viewing rates from banks across Butte-Silver Bow

Below are the best one-year CD Rates from banks in Butte-Silver Bow, 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.

Butte-Silver Bow, MT - July 31, 2025

1 Year CD National Average : 0.55% ^?

Banks	APY	MIN	MILES ^?
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
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
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
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)
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
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
Wells Fargo Bank, National Association Shelby 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)
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
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
The First State Bank of Malta The First State Bank Of Malta Branch	0.70%	$10,000	-	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 Citizens Bank & Trust Company Branch	0.60%	$10,000	-	Learn More Add Review
Madison Valley Bank First Madison Valley Bank Branch	0.60%	$10,000	-	Learn More Add Review
Garfield County Bank Garfield County Bank Branch	0.55%	$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
Citizens Alliance Bank First Bank Of Lincoln 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 Manhattan Bank Branch	0.50%	$10,000	-	Learn More Add Review
Independence Bank 214 Second Avenue 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 Bank Of The Rockies, National Association 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. First Montana Bank, Inc. 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 Three Rivers Bank Of Montana 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 Twin Bridges 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 Livingston Branch	0.25%	$500	-	Learn More Add Review
Farmers State Bank Farmers State Bank 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 Ronan 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 Lake County Bank 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 Polson 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 Ronan 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 Ravalli Main Office Branch	0.10%	$10,000	-	Learn More Add Review
Eagle Bank Eagle Bank Branch	0.10%	$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
Wells Fargo Bank, National Association Shelby Branch	131 Main Street	Shelby	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 Citizens Bank & Trust Company Branch	130 Mcleod Street	Big Timber	MT
Madison Valley Bank First Madison Valley Bank Branch	213 East Main	Ennis	MT
Garfield County Bank Garfield County Bank Branch	444 Main Street	Jordan	MT
Bank of The Rockies Bank Of The Rockies, National Association Branch	205 West Main Street	White Sulphur Springs	MT
Citizens Alliance Bank First Bank Of Lincoln Branch	503 Main Street	Lincoln	MT
Belt Valley Bank Belt Valley Bank Branch	111 Castner Street	Belt	MT
Manhattan Bank Manhattan Bank Branch	124 South Broadway	Manhattan	MT
Independence Bank 214 Second Avenue Branch	214 Second Avenue W	Poplar	MT
Bravera Bank Community First Bank Of Glendive Bra Branch	319 North Merrill Avenue	Glendive	MT
Bank of The Rockies Bank Of The Rockies, National Association Branch	205 West Main Street	White Sulphur Springs	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. First Montana Bank, Inc. Branch	201 North Higgins Avenue	Missoula	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 Three Rivers Bank Of Montana Branch	233 East Idaho	Kalispell	MT
Opportunity Bank of Montana Twin Bridges Branch	107 South Main Street	Twin Bridges	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
Farmers State Bank Farmers State Bank Branch	103 Main Street	Victor	MT
The Bank of Commerce Dillon Branch	110 South Idaho Street	Dillon	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
Valley Bank of Ronan Lake County Bank Branch	102 Crystal Street	Saint Ignatius	MT
Ascent Bank First Security Bank Of Helena Branch	1721 11th Avenue	Helena	MT
First Interstate Bank Polson Branch	Main Street	Polson	MT
Summit National Bank Ekalaka Branch	307 North Main Street	Ekalaka	MT
Glacier Bank Ronan Branch	63239 Us Highway 93	Ronan	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

See rates for Online Banks →

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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.

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Butte-Silver Bow, 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:

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