Montana

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Montana Credit Union Savings Rates

You are viewing savings rates from credit unions across Montana

 

Credit Unions can offer savings and money market rates that are competitive not only with local banks, but also sometimes with the best rates at online savings banks. The table below lists the best rates at credit unions near you. If you click on the credit union’s name, you’ll be taken to more information about its locations and operations.

MT - June 30, 2025

Savings Account National Average Rate: 0.45% ?

Credit Unions APY MIN

Rate History: 3.85% → 3.75% → 3.60%

| 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

| 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

0.55%

$2,500

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0.55%

$25,000

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0.40%

$2,500

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0.35%

$2,500

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0.35%

$2,500

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| Aug 31, 2020

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0.25%

$2,500

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0.25%

$10,000

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0.25%

$25,000

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0.25%

$2,500

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Edu


Restrictions

0.20%

$0

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0.20%

$25,000

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0.20%

$10,000

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0.20%

$2,500

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0.20%

$10,000

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0.20%

$2,500

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0.20%

$25,000

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0.20%

$25,000

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$25,000

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| Aug 31, 2020

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$25,000

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0.15%

$2,500

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0.15%

$10,000

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0.15%

$2,500

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0.15%

$2,500

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Sky

Sky Branch
Restrictions

0.15%

$25,000

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Valley Financial


Restrictions

0.15%

$25,000

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0.15%

$25,000

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0.15%

$2,500

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0.15%

$2,500

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| Aug 31, 2020

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$10,000

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0.10%

$10,000

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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Valley Financial


Restrictions

0.10%

$10,000

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0.10%

$2,500

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0.10%

$2,500

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Valley Financial


Restrictions

0.07%

$1,000

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| Aug 31, 2020

Great rates and fast loans Read More

Valley Financial


Restrictions

0.05%

$25

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0.05%

$2,500

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0.05%

$2,500

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0.05%

$2,500

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0.05%

$2,500

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0.05%

$2,500

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0.05%

$2,500

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0.05%

$2,500

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0.05%

$2,500

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0.05%

$2,500

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Sky

Sky Branch
Restrictions

0.05%

$25,000

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0.05%

$2,500

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0.05%

$2,500

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0.05%

$2,500

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Mountain America


Restrictions

0.05%

$100

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0.03%

$2,500

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Sky

Sky Branch
Restrictions

0.03%

$2,500

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Sky

Sky Branch
Restrictions

0.02%

$2,500

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Edu


Restrictions

0.01%

$1

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All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


Branches Info across Montana


Branch Street City State
GRASSLANDS
Mccone County Mccone County Branch
311 Main Circle MT
COMMUNITY 1ST
Community 1st Community 1st Branch
2905 Main Street Miles City MT
CLEARWATER
Missoula Missoula Branch
3600 Brooks St Missoula MT
COMMUNITY 1ST
Community 1st Community 1st Branch
2905 Main Street Miles City MT
PARK SIDE FINANCIAL
Expressway Expressway Branch
4500 Expressway Missoula MT
1ST LIBERTY
1st Liberty 1st Liberty Branch
6200 3rd Ave No Great Falls MT
DANIELS-SHERIDAN
Daniels-sheridan Daniels-sheridan Branch
404 Main Scobey MT
ALTANA
Altana Altana Branch
3212 Central Avenue Billings MT
COMMUNITY 1ST
Community 1st Community 1st Branch
2905 Main Street Miles City MT
INTREPID
Helena Community Helena Community Branch
915 Kessler Street Helena MT
LINCOLN COUNTY
Lincoln County Lincoln County Branch
714 W 6th Street Libby MT
1ST LIBERTY
1st Liberty 1st Liberty Branch
6200 3rd Ave No Great Falls MT
RUSSELL COUNTRY
Russell Country Russell Country Branch
810 1 Ave S Great Falls MT
WOLF POINT
Wolf Point Wolf Point Branch
217 3rd Ave South Wolf Point 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
MONTANA
Montana Montana Branch
901 8th Ave S Great Falls MT
SOUTHWEST MONTANA COMMUNITY
Southwest Montana Co Southwest Montana Co Branch
1035 West Park Anaconda 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
MONTANA HEALTH
Montana Health Montana Health Branch
3100 2nd Avenue N Billings MT
INTREPID
Helena Community Helena Community Branch
915 Kessler Street Helena MT
LINCOLN COUNTY
Lincoln County Lincoln County Branch
714 W 6th Street Libby 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
GRASSLANDS
Mccone County Mccone County Branch
311 Main Circle MT
HORIZON
Butte Branch Butte Branch
1555 Harrison Ave Butte MT
MONTANA EDUCATORS'
Montana Educators' Montana Educators' Branch
2000 S Russell Street Missoula MT
EMBARK
Great Falls Teachers Great Falls Teachers Branch
1500 River Drive N Great Falls MT
RAVALLI COUNTY
Ravalli County Ravalli County Branch
510 N First Street Hamilton MT
SOUTHWEST MONTANA COMMUNITY
Southwest Montana Co Southwest Montana Co Branch
1035 West Park Anaconda MT
SKY
Sky Sky Branch
111 North B Street Livingston MT
BILLINGS
Billings Billings Branch
2522 4th Ave N Billings MT
SEG
Seg Seg Branch
617 SE 4th Street Laurel MT
MONTANA HEALTH
Montana Health Montana Health Branch
3100 2nd Avenue N Billings MT
PARK SIDE FINANCIAL
Expressway Expressway Branch
4500 Expressway Missoula MT
1ST LIBERTY
1st Liberty 1st Liberty Branch
6200 3rd Ave No Great Falls MT
BEAR PAW
Bear Paw Bear Paw Branch
201 2nd Street Havre MT
BADLANDS
Badlands Badlands Branch
302 W. Towne Glendive MT
HORIZON
Butte Branch Butte Branch
1555 Harrison Ave Butte MT
MONTANA EDUCATORS'
Montana Educators' Montana Educators' Branch
2000 S Russell Street Missoula 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
MILE HIGH
Mile High Mile High Branch
3410 MONROE AVE BUTTE MT
ALTANA
Altana Altana Branch
3212 Central Avenue Billings MT
RIMROCK
Rimrock Rimrock Branch
952 Central Avenue Billings MT
MILES CITY
Miles City Miles City Branch
2513 Main Street Miles CIty MT
INTREPID
Helena Community Helena Community Branch
915 Kessler Street Helena MT
HORIZON
Butte Branch Butte Branch
1555 Harrison Ave Butte MT
CLEARWATER
Missoula Missoula Branch
3600 Brooks St Missoula MT
MONTANA EDUCATORS'
Montana Educators' Montana Educators' Branch
2000 S Russell Street Missoula 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
MONTANA
Montana Montana Branch
901 8th Ave S Great Falls MT
RAVALLI COUNTY
Ravalli County Ravalli County Branch
510 N First Street Hamilton MT
SKY
Sky Sky Branch
111 North B Street Livingston MT
ALTANA
Altana Altana Branch
3212 Central Avenue Billings MT
BILLINGS
Billings Billings Branch
2522 4th Ave N Billings MT
RIMROCK
Rimrock Rimrock Branch
952 Central Avenue Billings MT
MONTANA HEALTH
Montana Health Montana Health Branch
3100 2nd Avenue N Billings MT
RUSSELL COUNTRY
Russell Country Russell Country Branch
810 1 Ave S Great Falls MT
SKY
Sky Sky Branch
111 North B Street Livingston MT
ALTANA
Altana Altana Branch
3212 Central Avenue Billings 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.

FREQUENTLY ASKED QUESTIONS ABOUT CREDIT UNIONS


Why are credit union rates sometimes better than those from local and online banks?

The core difference between banks and credit unions is true regardless of size: Credit unions are nonprofits owned by the members, while banks are for-profit organizations. Credit unions can therefore sometimes pass along their profits in the form of lower rates (or better loan terms). Banks have some flexibility when competition forces it, but have to deliver an expected return on capital to their owners.

Is customer service better at credit unions that local banks or online banks?

Credit unions have long surpassed commercial banks for customer satisfaction. But as membership grows, their lead is shrinking, at least when compared with smaller banks. It’s also worth noting that in recent years, several online-only banks have earned high marks for their customer-friendly service options and their transparent discussions of fees and rates.  You may enjoy the local interaction with a credit union, but unless you are also getting a competitive rate, you may find that you best bet is to also have an online bank where you keep most of you money.

Is there any difference between a share certificate offered by a credit union and a savings or money market account offered by a bank?

The difference is mainly one of terminology, as increasingly is the difference between savings and money market accounts. Be sure to understand how to access you account. Look for no fees so long as certain balances are maintained, easy liquidity and ability to transfer your money to your accounts at other institutions, including ACH transfers to online banks.

Do Credit Unions lack technology that banks have?

As technology becomes a larger part of our everyday lives, customers rely on the ability to bank online or through a mobile device, such as an iPhone. Although credit unions are making the effort to keep pace with new financial technologies, they are still trailing banks (especially the leading online banks) on this front. Several third party platforms for online banking and mobile banking are increasingly being adopted throughout the banking industry, and credit unions will likely begin to adopt these as well, which should narrow or remove the gap between them and banks.

Is my money any less safe?

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.

Should I consider time deposits?

Time deposits are the credit union’s term for certificates of deposit, but, aside from slightly different terminology, are virtually the same product. Time deposits have less liquidity, but if you are unlikely to require access to your cash for some time, you may be able to significantly augment your rate of return and the growth of your capital. Since unforeseen circumstances do arise, it is important to understand the early withdrawal fees that may even eat into your principal, and early withdrawal is often entirely at the credit union’s discretion. BestCashCow compiles all rates of all credit unions near you. Access this information here. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

5 POINT CHECKLIST OF THINGS THAT MAKE CREDIT UNIONS GREAT

  • Rates are often better than savings and CD rates at local banks. Borrowing rates are sometimes lower too.
  • Members are Owners of a nonprofit. When you open an account at a credit union, your account is actually a share and provides you voting rights. Since credit unions are run as non-profits, you aren’t going to get appreciation or dividends from your ownership. Instead, these institutions have the ultimate goal of providing their members better rates on loans and financial products. When a credit union makes a profit, it is used to provide better opportunities to the community that it serves.
  • Clerks work with you. Since credit unions are small and serve their owners, they try hard to keep them happy. Many credit unions have fans for life after a clerk stays late to complete loan documents, and giving pointers about avoiding fees.
  • Credit unions provide low-income and financially distressed individuals the chance to qualify for financing.
  • Credit unions often run special programs that enable people to save for the holidays (such as Christmas Clubs) or to help finance the cost of higher education and university.

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