Boulder, Montana CD Rates Today - Compare Best APYs for May 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Boulder, Montana CD rates include Madison Valley BankMadison Valley Bank109 W 2nd Ave, Boulder, MT 59632A+5.0 ★Texas Ratio: 5.13%Real return: +0.17%APY minus CPI (February 2026) offering CERTIFICATES OF DEPOSIT SPECIALS 3 through 6 months at 2.97% APY, Valley Financial Credit UnionValley Financial Credit UnionA+5.0 ★Texas Ratio: 2.09%Real return: +3.37%APY minus CPI (February 2026) offering 12 Month Youth Certificate at 6.17% APY, Park Side Financial Credit UnionPark Side Financial Credit UnionA+5.0 ★Texas Ratio: 1.87%Real return: +1.60%APY minus CPI (February 2026) offering 1-Year Youth Certificate at 4.40% APY, Sky Federal Credit UnionSky Federal Credit UnionB4.6 ★Texas Ratio: 20.02%Real return: +1.20%APY minus CPI (February 2026) offering IRA SEP Certificates 1 Year Fixed at 4.00% APY, and Summit National BankSummit National BankA+5.0 ★Texas Ratio: 1.74%Real return: +1.20%APY minus CPI (February 2026) offering 6 Month CD at 4.00% APY. CD rates as of May 12, 2026 according to verified data from MonitorBankRates.
Boulder has 8 local institutions in our database, with CD rates as high as 2.97% APY from Madison Valley Bank at 109 W 2nd Ave, Boulder, MT 59632. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Montana area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 12, 2026
Compare Best CD Rates in Boulder, Montana & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
109 W 2nd Ave, Boulder, MT 59632
Certificates of Deposit 1 to under 3 months
$500
0.85%
▼
Rate0.85%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
3 Month Share Certificate (Special)
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
3 Month Share Certificates
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
(Special)
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
90 Days Share Certificate
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
3-Month Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.40%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
90 Day Time CD
$100
3.31%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
First Federal Bank & Trust
Institution Rating:
B+4.8 ★Texas Ratio: 16.90%
3 Month CD
$250,000
3.10%
▼
Rate—
Min Deposit$250,000
Min Balance—
UpdatedMay 4, 2026
Details
Opening Deposit $250,000
Pioneer Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
90 Day Certificate
$0
3.09%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Federal Bank & Trust
Institution Rating:
B+4.8 ★Texas Ratio: 16.90%
3 Month CD
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Opening Deposit $0 - $249,999
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
3 Month Standard Certificates of Deposit
$5,000
1.84%
▼
Rate1.83%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
Share Certificates of Deposit 3 Months
$500
0.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
109 W 2nd Ave, Boulder, MT 59632
CERTIFICATES OF DEPOSIT SPECIALS 3 through 6 months
$500
2.97%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Qualifications Required
Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
109 W 2nd Ave, Boulder, MT 59632
CERTIFICATES OF DEPOSIT SPECIALS 3 through 6 months
$500
2.21%
▼
Rate2.20%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
109 W 2nd Ave, Boulder, MT 59632
Certificates of Deposit 3 to under 6 months
$500
1.10%
▼
Rate1.10%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
6 Month Share Certificates
$0
3.80%
▼
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
St Pats Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 months Term Share Certificates
$100,000
3.76%
▼
Rate3.70%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
6 Month Certificates
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
6 Month Certificate
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000 Minimum
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
CERTIFICATES OF DEPOSITS 6 months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
6 Month Share Certificate (Special)
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
6 Month Share Certificates
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
(Special)
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
6 Months Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Jumbo 6-Month Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
6 month Share Certificates
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
6 Month Certificates
$50,000
3.49%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
6-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.30%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
Pioneer Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
6 Month Certificate
$0
3.22%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
6 Month Certificates
$25,000
3.14%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedMay 12, 2026
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
6 Month CD
$100
3.05%
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
Student Certificates 6 Months
$100
2.85%
▼
Rate2.81%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
6 Month Certificates
$10,000
2.79%
▼
Rate2.75%
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
6 Month Certificates
$500
2.64%
▼
Rate2.61%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
Share Certificates of Deposit 6 Months
$500
2.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
6 Month Standard Certificates of Deposit
$1,000
2.25%
▼
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
109 W 2nd Ave, Boulder, MT 59632
Certificates of Deposit 6 to under 12 months
$500
1.35%
▼
Rate1.35%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12 Month Youth Certificate
$0
6.17%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$100 Minimum | $1,000 Maximum
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
1-Year Youth Certificate
$0
4.40%
▼
Rate4.31%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
IRA SEP Certificates 1 Year Fixed
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
St Pats Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Term Share Certificates
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1 Year Share Certificates
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
12 Month Certificates
$500
3.69%
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
IRA 12 Month Certificates
$500
3.69%
▼
Rate3.63%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
Student Certificates 12 Months
$100
3.69%
▼
Rate3.63%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
12 Month Certificate
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500 Minimum
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business Share Certificates 12 Month Certificate
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Penalty for early withdrawal. Limited time special! Rates effective as of January 1, 2026.
Rate3.60%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
12 Month Large Depositor Special
$250,000
3.65%
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
With .25% Bonus**
Rate3.55%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
With .25% Bonus*
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Jumbo 12-Month Share Certificate
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
CERTIFICATES OF DEPOSITS 12 months
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
12 Months Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
Individual Retirement Certificates 12 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
12 Month Large Depositor Special
$100,000
3.49%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedMay 5, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
12-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
12 Month Large Depositor Special
$50,000
3.39%
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
UpdatedMay 5, 2026
Details
Pioneer Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
1 Year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
$25,000.00 to $99,999.99
Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
12 month Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
Share Certificates of Deposit 12 Months
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1 Year CD
$100
2.98%
▼
Rate2.95%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
12 Month Certificate of Deposit
$1,000
2.94%
▼
Rate2.90%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
12 Month Student
$250
2.78%
▼
Rate2.75%
Min Deposit$250
Min Balance—
UpdatedMay 10, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
12 Month Share Certificates
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
12 Month Share Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
12 Month IRA Share Certificates
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
12 Month IRA Share Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
IRA SEP Certificates 1 Year Fixed
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
12 Month Standard Certificates of Deposit
$500
2.38%
▼
Rate2.36%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
IRA Certificates 12 Month
$500
2.37%
▼
Rate2.36%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
Wealth Builder CD (1 Year)
$0
2.25%
▼
Rate2.22%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate Relationship
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1 year Standard Fixed Rate CD
$2,500
1.50%
▼
Rate1.49%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
109 W 2nd Ave, Boulder, MT 59632
Certificates of Deposit 18 month multiple deposit
$100
1.65%
▼
Rate1.65%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Unity Bank Augusta, WI
Institution Rating:
B-4.3 ★Texas Ratio: 23.34%
18 Month CD
$2,500
3.80%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
18 Month Certificates
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
18 Month Certificates
$50,000
3.49%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
Jumbo 18-Month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
18 month Share Certificates
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
18-Month Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
18 Month Certificates
$25,000
3.14%
▼
Rate3.07%
Min Deposit$25,000
Min Balance—
UpdatedMay 12, 2026
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
IRA 18 Month Variable
$100
3.03%
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
IRA 18 Month Fixed
$100
3.03%
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
18 Month Certificates
$10,000
2.79%
▼
Rate2.75%
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month IRA Share Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month IRA Share Certificates
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month Share Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month Share Certificates
$1,000
2.78%
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
18 Month Certificates
$500
2.64%
▼
Rate2.61%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
18 Month CD
$100
2.52%
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
18 Month Standard Certificates of Deposit
$5,000
2.41%
▼
Rate2.39%
Min Deposit$5,000
Min Balance—
UpdatedMay 5, 2026
Details
Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
18 Month Certificate of Deposit
$1,000
1.27%
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
109 W 2nd Ave, Boulder, MT 59632
Certificates of Deposit 12 to under 24 months
$500
2.01%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
St Pats Employees Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2 years Term Share Certificates
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
Min Balance—
UpdatedMay 7, 2026
Details
Unity Bank Augusta, WI
Institution Rating:
B-4.3 ★Texas Ratio: 23.34%
24 Month IRA CD
$2,500
3.85%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2 Year Share Certificates
$0
3.70%
▼
Rate3.76%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
24 Month Certificates
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
IRA 24 Month Certificates
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
24 Month Certificates
$50,000
3.49%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
IRA 24 Month Certificates
$50,000
3.49%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
CERTIFICATES OF DEPOSITS 24 months
$0
3.46%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
24 Month Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$500 Minimum
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
Business Share Certificates 24 Month Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Penalty for early withdrawal. Limited time special! Rates effective as of January 1, 2026.
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
24 Months Share Certificate
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
24-Month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
Individual Retirement Certificates 24 Months
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
Share Certificates of Deposit 24 Months
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.20%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
$25,000.00 to $99,999.99
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
IRA 24 Month Certificates
$10,000
3.14%
▼
Rate3.10%
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
24 Month Certificates
$25,000
3.14%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedMay 12, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
24 Month IRA Share Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
24 Month IRA Share Certificates
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
24 Month Share Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
24 Month Share Certificates
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
24 month Share Certificates
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
24 Month Certificates
$10,000
2.79%
▼
Rate2.75%
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
24 Month Certificates
$500
2.64%
▼
Rate2.61%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
IRA 24 Month Certificates
$500
2.64%
▼
Rate2.61%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Pioneer Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
1-1/2 Year Certificate
$0
2.57%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
24 Month Standard Certificates of Deposit
$1,000
2.44%
▼
Rate2.43%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
IRA Certificates 24 Month
$500
2.44%
▼
Rate2.43%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
2 Year Fixed
$100
2.42%
▼
Rate2.40%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
2 1/2 Year Fixed CD
$100
2.27%
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
2 1/2 Year Variable CD
$100
2.27%
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Pioneer Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
3-1/2 Year Certificate
$0
2.22%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Pioneer Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
2-1/2 Year Certificate
$0
2.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
2 Year Certificate of Deposit
$1,000
1.76%
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
IRA SEP Certificates 2 Year Fixed
$0
1.75%
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
36 Month Certificates
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
IRA 36 Month Certificates
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
3 Year Share Certificates
$0
3.60%
▼
Rate3.73%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
Share Certificates of Deposit 36 Months
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
36 Month Certificates
$50,000
3.49%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
IRA 36 Month Certificates
$50,000
3.49%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
36-Month Share Certificate Step Up
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
$25,000.00 to $99,999.99
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
CERTIFICATES OF DEPOSITS 36 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
36 Month - No Bump Share Certificate
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
Individual Retirement Certificates 36 Months
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
Share Certificate 36 Month - No Bump
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
36 Month Certificates
$25,000
3.14%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
IRA 36 Month Certificates
$10,000
3.14%
▼
Rate3.10%
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
36 Month Certificates
$10,000
2.79%
▼
Rate2.75%
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
36 month Share Certificates
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
36 Month Certificates
$500
2.64%
▼
Rate2.61%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
IRA 36 Month Certificates
$500
2.64%
▼
Rate2.61%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
IRA 36 Month Fixed
$100
2.52%
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
IRA 36 Month Variable
$100
2.52%
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
36 Month Standard Certificates of Deposit
$1,000
2.49%
▼
Rate2.47%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
IRA Certificates 36 Month
$500
2.49%
▼
Rate2.47%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
3 Year Certificate of Deposit
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3 Year Fixed CD
$100
2.02%
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
IRA SEP Certificates 3 Year Fixed
$0
1.75%
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
109 W 2nd Ave, Boulder, MT 59632
Certificates of Deposit 48 months and over
$500
1.86%
▼
Rate1.85%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
109 W 2nd Ave, Boulder, MT 59632
Certificates of Deposit 24 to under 48 months
$500
1.81%
▼
Rate1.80%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
Share Certificates of Deposit 48 Months
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
4 Year Share Certificates
$0
3.50%
▼
Rate3.68%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
$25,000.00 to $99,999.99
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
CERTIFICATES OF DEPOSITS 48 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
48 Month - No Bump Share Certificate
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
Share Certificate 48 Month - No Bump
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
48 month Share Certificates
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
4 Year Fixed CD
$100
1.91%
▼
Rate1.90%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
4 Year Variable CD
$100
1.91%
▼
Rate1.90%
Min Deposit$100
Min Balance—
UpdatedMay 5, 2026
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
IRA SEP Certificates 4 Year Fixed
$0
1.75%
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
Share Certificates of Deposit 60 Months
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
60 Month Certificates
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
IRA 60 Month Certificates
$100,000
3.69%
▼
Rate2.66%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
$25,000.00 to $99,999.99
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
5 Year Share Certificates
$0
3.50%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
60 Month Certificates
$50,000
3.49%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
IRA 60 Month Certificates
$50,000
3.49%
▼
Rate3.44%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.87%
60-Month Share Certificate Step Up
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
CERTIFICATES OF DEPOSITS 60 months
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
60 Month - No Bump Share Certificate
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.35%
Share Certificate 60 Month - No Bump
$0
3.30%
▼
Rate3.26%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
60 Month Certificates
$25,000
3.14%
▼
Rate3.10%
Min Deposit$25,000
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
IRA 60 Month Certificates
$10,000
3.14%
▼
Rate3.10%
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
60 Month Certificates
$10,000
2.79%
▼
Rate2.75%
Min Deposit$10,000
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
60 Month Certificates
$500
2.64%
▼
Rate2.61%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
IRA 60 Month Certificates
$500
2.64%
▼
Rate2.61%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
60 Month Standard Certificates of Deposit
$1,000
2.52%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
IRA Certificates 60 Month
$500
2.52%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
5 Year Certificate of Deposit
$1,000
2.02%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
IRA SEP Certificates 5 Year Fixed
$0
1.75%
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Boulder, Montana at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY currently available to Boulder depositors is 2.97% APY from Madison Valley Bank. The rate table above ranks every offer we track for this market, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Boulder, MT CD Rate Trends
Compare local Boulder, MT CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — MT Avg
3.046%
▲ 0.025 vs 7 days ago
Montana 12-month CD rates rose 0.025 points over the past 7 days to 3.046% APY.
6-Month CD — MT Avg
2.215%
▼ 0.022 vs 7 days ago
Montana 6-month CD rates fell 0.022 points over the past 7 days to 2.215% APY.
As of May 12, 2026 • Rate data sourced from 8,500+ monitored institutions
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MT CD Rate Forecast — Next 12 Months
Where are Montana CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MT 12-Month Avg APY
3.046%
6-Month Forecast
3.046%
Range: 2.85% – 3.20%
12-Month Forecast
2.796%
Range: 2.60% – 2.95%
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What Your Savings Earn at MT CD Rates Today
Annual interest earnings at today’s Montana average APYs. State average used where available; national average as fallback.
| CD Term | MT Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 0.998% | $49.92 | $99.83 | $249.58 | $499.15 |
| 6-Month CD | 2.215% | $110.73 | $221.46 | $553.65 | $1,107.30 |
| 12-Month CD | 3.046% | $152.31 | $304.61 | $761.53 | $1,523.05 |
| 18-Month CD | 2.898% | $144.88 | $289.75 | $724.38 | $1,448.75 |
| 24-Month CD | 3.022% | $151.10 | $302.20 | $755.50 | $1,511.00 |
| 36-Month CD | 3.048% | $152.42 | $304.83 | $762.08 | $1,524.15 |
| 48-Month CD | 2.744% | $137.20 | $274.40 | $686.00 | $1,372.00 |
| 60-Month CD | 3.061% | $153.06 | $306.11 | $765.28 | $1,530.55 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 12, 2026. | |||||
Sample CD Ladder for Boulder, Montana Savers
$25,000 split equally across 5 terms using today’s Montana average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | MT Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 0.998% | $49.92 |
| 2 | 6-Month CD | $5,000 | 2.215% | $110.73 |
| 3 | 12-Month CD | $5,000 | 3.046% | $152.31 |
| 4 | 24-Month CD | $5,000 | 3.022% | $151.10 |
| 5 | 36-Month CD | $5,000 | 3.048% | $152.42 |
| Total ($25,000 invested) | $25,000 | 2.466% blended | $616.48/yr | |
Ladder example uses equal $5,000 rungs and Montana average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
167
CD Rates
Tracked in Boulder, Montana
Tracked in Boulder, Montana
9 Banks
12 Credit Unions
About Our Boulder, Montana CD Rate Database
MonitorBankRates tracks 167 CD rates from 9 banks and 12 credit unions with locations in Boulder, Montana, plus national online institutions available to Montana residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Madison Valley Bank offers a CD at 2.97% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Boulder, Montana.
How to Find the Best CD Rates in Boulder, Montana
What to compare when shopping for a CD in Boulder, Montana
To find the best APYs in Boulder, Montana, start with credit unions and online-only banks — Boulder, Montana has 12 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
When a CD Makes Sense in Boulder, Montana
- You have a planned expense coming up and want your savings to earn while you wait
- You expect rates to fall and want to lock in today’s rate
- You want FDIC or NCUA protection with a guaranteed fixed return
- You prefer banking with an institution that has a local branch in Boulder, Montana — 21 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Boulder, Montana savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Boulder, Montana money market rates
Boulder, Montana Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
19.8%
National avg: 17.3%
Median Individual Earnings
$38,273
National avg: $47,340
Poverty Rate
3.8%
National avg: 11.1%
Unemployment Rate
6.9%
National avg: 4.8%
CD Earnings on 10% of Salary
$117/yr
At MT 12-mo avg 3.046% APY
19.8% of residents are 65 or older, in line with the national average of 17.3%; an unemployment rate of 6.9% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s MT 12-month CD average of 3.046%, saving 10% of the local median salary ($3,827/year) and putting it in a CD would earn an additional $117 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
CD Rates vs. Other Savings Options in Boulder, Montana
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Boulder, Montana
Are CD rates in Boulder, Montana FDIC insured?
Yes, most established banks in Boulder, Montana are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.
Do I have to pay state taxes on CD interest in Boulder, Montana?
Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Boulder, Montana.
Can I withdraw my money early from a CD?
You can, but most institutions charge an Early Withdrawal Penalty — typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.
What is the difference between a Jumbo CD and a regular CD?
Jumbo CDs require a higher minimum deposit — traditionally $100,000 or more. In exchange, banks in Boulder, Montana may offer slightly higher APYs compared to standard CDs.
Are fixed-rate CDs better than variable-rate CDs?
Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.
What is a CD ladder?
A CD ladder involves opening multiple CDs with staggered maturity dates — for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.
Best CD rates in Boulder, Montana?
Here are recent top rates found for this area:
- Madison Valley Bank: 2.97% APY (CERTIFICATES OF DEPOSIT SPECIALS 3 through 6 months)
- Valley Financial Credit Union: 6.17% APY (12 Month Youth Certificate)
- Park Side Financial Credit Union: 4.40% APY (1-Year Youth Certificate)
- Sky Federal Credit Union: 4.00% APY (IRA SEP Certificates 1 Year Fixed)
- Summit National Bank: 4.00% APY (6 Month CD)
- St Pats Employees Federal Credit Union: 3.87% APY (2 years Term Share Certificates)
- Unity Bank Augusta, WI : 3.85% APY (24 Month IRA CD)
- Mile High Federal Credit Union: 3.80% APY (3 Month Share Certificates)
- Rimrock Credit Union: 3.80% APY (1 Year Share Certificates)
- Southwest Montana Community Federal Credit Union: 3.80% APY (Share Certificates of Deposit 60 Months)
Rates reflect recent verified offers available in Boulder, Montana. Last Updated: May 12, 2026
CD Calculators for Boulder, Montana
Boulder, Montana CD Calculator
At today’s MT top rate of 2.97% APY, a $10,000 deposit earns $297 in the first year. Enter your amount to see your exact return.
Boulder, Montana CD LadderMT CD rates currently range from 0.998% (3-month) to 3.048% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Boulder, Montana CD at 2.97% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsMontana’s average 12-month CD is 3.046% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Boulder, Montana directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Boulder, Montana. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in MT.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.
Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: May 12, 2026
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