Lindsay, Montana Best CD Rates August 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
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 Lindsay, Montana CD rates include Park Side Financial Credit UnionPark Side Financial Credit UnionA+5.0 ★Texas Ratio: 1.82%Real return: +1.60%APY minus CPI (February 2026) offering 1-Year Youth Certificate at 4.40% APY, Valley Financial Credit UnionValley Financial Credit UnionA+5.0 ★Texas Ratio: 1.96%Real return: +1.17%APY minus CPI (February 2026) offering 12 Month Certificate at 3.97% APY, Horizon Credit UnionHorizon Credit UnionA+5.0 ★Texas Ratio: 1.46%Real return: +1.07%APY minus CPI (February 2026) offering 24 Month at 3.87% APY, Unity Bank Augusta, WIUnity Bank Augusta, WIB-4.3 ★Texas Ratio: 23.34%Real return: +1.05%APY minus CPI (February 2026) offering 24 Month IRA CD at 3.85% APY, and Glendive BN Federal Credit UnionGlendive BN Federal Credit UnionA+5.0 ★Texas Ratio: 0.00%Real return: +1.05%APY minus CPI (February 2026) offering 48 month CD at 3.85% APY. CD rates as of August 28, 2026 according to verified data from MonitorBankRates.
Lindsay is a smaller community with no bank or credit union branches currently in our database. 252 institutions serving the Montana area are available to Lindsay residents, with CD rates as high as 4.40% APY from Park Side Financial Credit Union. 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: August 28, 2026
Compare Best CD Rates in Lindsay, Montana & the Surrounding Area
Lindsay 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
3 Month (Special)
$1,000
3.80%
▲ 2.70% above Montana avg
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average1.10%▲ 2.70% above avgNationally 1.96%
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
3-Month Share Certificate
$0
3.55%
▲ 2.45% above Montana avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average1.10%▲ 2.45% above avgNationally 1.96%
Details
Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
3 Month Youth Certificate
$0
3.53%
▲ 2.43% above Montana avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average1.10%▲ 2.43% above avgNationally 1.96%
Details
Available to members who are 18 years old or younger.
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
90 Days
$0
3.50%
▲ 2.40% above Montana avg
▼
Rate3.44%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average1.10%▲ 2.40% above avgNationally 1.96%
Details
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
90 Day Certificate
$0
3.45%
▲ 2.35% above Montana avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average1.10%▲ 2.35% above avgNationally 1.96%
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
90 Day
$2,500
3.40%
▲ 2.30% above Montana avg
▼
Rate3.40%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average1.10%▲ 2.30% above avgNationally 1.96%
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
90 Day Time CD
$100
3.31%
▲ 2.21% above Montana avg
▼
Rate3.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average1.10%▲ 2.21% above avgNationally 1.96%
Details
First Federal Bank & Trust
Institution Rating:
B+4.8 ★Texas Ratio: 16.90%
3 Month CD
$250,000
3.10%
▲ 2.00% above Montana avg
▼
Rate—
Min Deposit$250,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average1.10%▲ 2.00% above avgNationally 1.96%
Details
First Federal Bank & Trust
Institution Rating:
B+4.8 ★Texas Ratio: 16.90%
3 Month CD
$0
3.00%
▲ 1.90% above Montana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average1.10%▲ 1.90% above avgNationally 1.96%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
3 Month
$500
0.75%
▼ 0.35% below Montana avg
▼
Rate0.75%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average1.10%▼ 0.35% below avgNationally 1.96%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
3 Months
$0
0.60%
▼ 0.50% below Montana avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average1.10%▼ 0.50% below avgNationally 1.96%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 3 Months
$0
0.60%
▼ 0.50% below Montana avg
▼
Rate0.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average1.10%▼ 0.50% below avgNationally 1.96%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 3 Months
$0
0.55%
▼ 0.55% below Montana avg
▼
Rate0.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average1.10%▼ 0.55% below avgNationally 1.96%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 3 Months
$0
0.50%
▼ 0.60% below Montana avg
▼
Rate0.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average1.10%▼ 0.60% below avgNationally 1.96%
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼ 1.04% below Montana avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average1.10%▼ 1.04% below avgNationally 1.96%
Details
Early withdrawal penalties may apply. Additional terms are available at a branch. Relationship Interest Rate 0.06%.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Interest Rate
$2,500
0.06%
▼ 1.04% below Montana avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average1.10%▼ 1.04% below avgNationally 1.96%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.05% below Montana avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average1.10%▼ 1.05% below avgNationally 1.96%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Interest Rate
$2,500
0.05%
▼ 1.05% below Montana avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average1.10%▼ 1.05% below avgNationally 1.96%
Details
Relationship Interest Rate 0.06%
Lindsay 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
6 Month Certificate
$1,000
3.97%
▲ 1.67% above Montana avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 1.67% above avgNationally 2.67%
Details
Limited time special! Rates effective as of August 1, 2026.
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 6 Months
$100,000
3.80%
▲ 1.50% above Montana avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 1.50% above avgNationally 2.67%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 6 Months
$100,000
3.80%
▲ 1.50% above Montana avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 1.50% above avgNationally 2.67%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 6 Months
$50,000
3.65%
▲ 1.35% above Montana avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 1.35% above avgNationally 2.67%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 6 Months
$50,000
3.65%
▲ 1.35% above Montana avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 1.35% above avgNationally 2.67%
Details
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
6 months
$0
3.61%
▲ 1.31% above Montana avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 1.31% above avgNationally 2.67%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 6 Months
$10,000
3.60%
▲ 1.30% above Montana avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 1.30% above avgNationally 2.67%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 6 Months
$10,000
3.60%
▲ 1.30% above Montana avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 1.30% above avgNationally 2.67%
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
6 Month
$0
3.60%
▲ 1.30% above Montana avg
▼
Rate3.57%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 1.30% above avgNationally 2.67%
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
6 Month (Special)
$1,000
3.55%
▲ 1.25% above Montana avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 1.25% above avgNationally 2.67%
Details
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
6 Months
$0
3.55%
▲ 1.25% above Montana avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 1.25% above avgNationally 2.67%
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Jumbo 6-Month Share Certificate
$0
3.55%
▲ 1.25% above Montana avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 1.25% above avgNationally 2.67%
Details
Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
6 Month Certificate
$0
3.53%
▲ 1.23% above Montana avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 1.23% above avgNationally 2.67%
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.12%
6 Month
$0
3.50%
▲ 1.20% above Montana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 1.20% above avgNationally 2.67%
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
6-Month Share Certificate
$0
3.45%
▲ 1.15% above Montana avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 1.15% above avgNationally 2.67%
Details
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
6 Month Certificate
$0
3.45%
▲ 1.15% above Montana avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 1.15% above avgNationally 2.67%
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 6 Months
$2,500
3.40%
▲ 1.10% above Montana avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 1.10% above avgNationally 2.67%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 6 Months
$2,500
3.40%
▲ 1.10% above Montana avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 1.10% above avgNationally 2.67%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
6 Month
$2,500
3.30%
▲ 1.00% above Montana avg
▼
Rate3.30%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 1.00% above avgNationally 2.67%
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.12%
6 Month
$0
3.25%
▲ 0.95% above Montana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 0.95% above avgNationally 2.67%
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
6 Month CD
$100
3.05%
▲ 0.75% above Montana avg
▼
Rate3.00%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 0.75% above avgNationally 2.67%
Details
Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Business 3 through 6 months
$500
2.73%
▲ 0.43% above Montana avg
▼
Rate2.70%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 0.43% above avgNationally 2.67%
Details
With Direct Deposit
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Cubby or Student Members 6 Months
$100
2.50%
▲ 0.20% above Montana avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▲ 0.20% above avgNationally 2.67%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
6 Month
$500
2.00%
▼ 0.30% below Montana avg
▼
Rate1.98%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▼ 0.30% below avgNationally 2.67%
Details
Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Business 3 through 6 months
$500
1.96%
▼ 0.34% below Montana avg
▼
Rate1.95%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▼ 0.34% below avgNationally 2.67%
Details
With No Direct Deposit
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
6 Months
$0
1.36%
▼ 0.94% below Montana avg
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▼ 0.94% below avgNationally 2.67%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 6 Months
$0
1.36%
▼ 0.94% below Montana avg
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▼ 0.94% below avgNationally 2.67%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 6 Months
$0
1.31%
▼ 0.99% below Montana avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▼ 0.99% below avgNationally 2.67%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 6 Months
$0
1.26%
▼ 1.04% below Montana avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▼ 1.04% below avgNationally 2.67%
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Interest Rate
$2,500
0.06%
▼ 2.24% below Montana avg
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▼ 2.24% below avgNationally 2.67%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.25% below Montana avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▼ 2.25% below avgNationally 2.67%
Details
Relationship APY 0.06%
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
6 month Standard Interest Rate
$2,500
0.05%
▼ 2.25% below Montana avg
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▼ 2.25% below avgNationally 2.67%
Details
Relationship Interest Rate 0.05%
The Family First Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.85%
6 Month Share Certificate
$0
0.05%
▼ 2.25% below Montana avg
▼
Rate0.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.30%▼ 2.25% below avgNationally 2.67%
Details
Lindsay 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
1-Year Youth Certificate
$0
4.40%
▲ 1.68% above Montana avg
▼
Rate4.31%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 1.68% above avgNationally 2.83%
Details
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
12 Month Certificate
$500
3.97%
▲ 1.25% above Montana avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 1.25% above avgNationally 2.83%
Details
Limited time special! Rates effective as of August 1, 2026.
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
1 Year Fixed
$0
3.80%
▲ 1.08% above Montana avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 1.08% above avgNationally 2.83%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
IRA SEP Certificates 1 Year Fixed
$0
3.80%
▲ 1.08% above Montana avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 1.08% above avgNationally 2.83%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
Traditional/ROTH IRA Certificates 1 Year Fixed
$0
3.80%
▲ 1.08% above Montana avg
▼
Rate3.74%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 1.08% above avgNationally 2.83%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 12 Months
$100,000
3.70%
▲ 0.98% above Montana avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.98% above avgNationally 2.83%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 12 Months
$100,000
3.70%
▲ 0.98% above Montana avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.98% above avgNationally 2.83%
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Large Depositor Special - 12 Month
$250,000
3.65%
▲ 0.93% above Montana avg
▼
Rate3.60%
Min Deposit$250,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.93% above avgNationally 2.83%
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Relationship Special 12 Month
$10,000
3.65%
▲ 0.93% above Montana avg
▼
Rate3.60%
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.93% above avgNationally 2.83%
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 12 Months
$50,000
3.65%
▲ 0.93% above Montana avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.93% above avgNationally 2.83%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 12 Months
$50,000
3.65%
▲ 0.93% above Montana avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.93% above avgNationally 2.83%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 12 Months
$10,000
3.60%
▲ 0.88% above Montana avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.88% above avgNationally 2.83%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 12 Months
$10,000
3.60%
▲ 0.88% above Montana avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.88% above avgNationally 2.83%
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1 Year
$0
3.60%
▲ 0.88% above Montana avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.88% above avgNationally 2.83%
Details
Belt Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1 Year
$500
3.55%
▲ 0.83% above Montana avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.83% above avgNationally 2.83%
Details
First Security Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Certificate of Deposit
$0
3.55%
▲ 0.83% above Montana avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.83% above avgNationally 2.83%
Details
6 Month Interest Penalty if term is greater than 1 year
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
12-Month Jumbo Share Certificate
$0
3.55%
▲ 0.83% above Montana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.83% above avgNationally 2.83%
Details
Early withdrawal penalty for certificates: Certificate term over 1 year - 180-day interest penalty.
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Jumbo 12-Month Share Certificate
$0
3.55%
▲ 0.83% above Montana avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.83% above avgNationally 2.83%
Details
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
12 months
$0
3.51%
▲ 0.79% above Montana avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.79% above avgNationally 2.83%
Details
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
12 Month Certificate
$0
3.51%
▲ 0.79% above Montana avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.79% above avgNationally 2.83%
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
IRA Certificates (12 Month)
$0
3.51%
▲ 0.79% above Montana avg
▼
Rate3.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.79% above avgNationally 2.83%
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 month CD
$1,000
3.50%
▲ 0.78% above Montana avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.78% above avgNationally 2.83%
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Large Depositor Special - 12 Month
$100,000
3.49%
▲ 0.77% above Montana avg
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.77% above avgNationally 2.83%
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 12 Months
$2,500
3.45%
▲ 0.73% above Montana avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.73% above avgNationally 2.83%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 12 Months
$2,500
3.45%
▲ 0.73% above Montana avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.73% above avgNationally 2.83%
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
12-Month Share Certificate
$0
3.45%
▲ 0.73% above Montana avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.73% above avgNationally 2.83%
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Large Depositor Special - 12 Month
$50,000
3.39%
▲ 0.67% above Montana avg
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.67% above avgNationally 2.83%
Details
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
12 Month
$1,000
3.35%
▲ 0.63% above Montana avg
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.63% above avgNationally 2.83%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
12 Month IRA
$500
3.35%
▲ 0.63% above Montana avg
▼
Rate3.30%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.63% above avgNationally 2.83%
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.12%
12 Month
$0
3.25%
▲ 0.53% above Montana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.53% above avgNationally 2.83%
Details
Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
12 Month Certificate
$0
3.03%
▲ 0.31% above Montana avg
▼
Rate3.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.31% above avgNationally 2.83%
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.12%
12 Month
$0
3.00%
▲ 0.28% above Montana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.28% above avgNationally 2.83%
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
1 Year CD
$100
2.98%
▲ 0.26% above Montana avg
▼
Rate2.95%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.26% above avgNationally 2.83%
Details
Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
12 Month
$1,000
2.94%
▲ 0.22% above Montana avg
▼
Rate2.90%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.22% above avgNationally 2.83%
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
12 Month IRA
$1,000
2.78%
▲ 0.06% above Montana avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.06% above avgNationally 2.83%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Cubby or Student Members 12 Months
$100
2.75%
▲ 0.03% above Montana avg
▼
Rate—
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▲ 0.03% above avgNationally 2.83%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
1 Year Fixed
$0
2.50%
▼ 0.22% below Montana avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▼ 0.22% below avgNationally 2.83%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
12 Month
$500
2.50%
▼ 0.22% below Montana avg
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▼ 0.22% below avgNationally 2.83%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
IRA SEP Certificates 1 Year Fixed
$0
2.50%
▼ 0.22% below Montana avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▼ 0.22% below avgNationally 2.83%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
Traditional/ROTH IRA Certificates 1 Year Fixed
$0
2.50%
▼ 0.22% below Montana avg
▼
Rate2.47%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▼ 0.22% below avgNationally 2.83%
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
IRA Certificate 12 Month
$500
2.37%
▼ 0.35% below Montana avg
▼
Rate2.36%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▼ 0.35% below avgNationally 2.83%
Details
Interest Frequency: 6 Months; Early Withdrawal Penalty: 91 Days
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
Traditional/ROTH IRA Certificates 1 Year Variable
$500
2.25%
▼ 0.47% below Montana avg
▼
Rate2.22%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▼ 0.47% below avgNationally 2.83%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
Wealth Builder CD (1 Year)
$0
2.25%
▼ 0.47% below Montana avg
▼
Rate2.22%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▼ 0.47% below avgNationally 2.83%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
1 Year Fixed
$0
2.00%
▼ 0.72% below Montana avg
▼
Rate1.98%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▼ 0.72% below avgNationally 2.83%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
Youth: 1 Year Fixed
$100
2.00%
▼ 0.72% below Montana avg
▼
Rate1.98%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▼ 0.72% below avgNationally 2.83%
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
12 Months
$0
1.66%
▼ 1.06% below Montana avg
▼
Rate1.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▼ 1.06% below avgNationally 2.83%
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
IRA Certificate 12 Months
$0
1.66%
▼ 1.06% below Montana avg
▼
Rate1.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▼ 1.06% below avgNationally 2.83%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
12 Months
$0
1.61%
▼ 1.11% below Montana avg
▼
Rate1.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▼ 1.11% below avgNationally 2.83%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 12 Months
$0
1.61%
▼ 1.11% below Montana avg
▼
Rate1.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▼ 1.11% below avgNationally 2.83%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 12 Months
$0
1.56%
▼ 1.16% below Montana avg
▼
Rate1.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.72%▼ 1.16% below avgNationally 2.83%
Details
Lindsay 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 18 Months
$100,000
3.65%
▲ 0.63% above Montana avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▲ 0.63% above avgNationally 2.67%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 18 Months
$100,000
3.65%
▲ 0.63% above Montana avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▲ 0.63% above avgNationally 2.67%
Details
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
18 Month Certificate
$0
3.56%
▲ 0.54% above Montana avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▲ 0.54% above avgNationally 2.67%
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
IRA Certificates (18 Month)
$0
3.56%
▲ 0.54% above Montana avg
▼
Rate3.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▲ 0.54% above avgNationally 2.67%
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 18 Months
$50,000
3.55%
▲ 0.53% above Montana avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▲ 0.53% above avgNationally 2.67%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 18 Months
$50,000
3.55%
▲ 0.53% above Montana avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▲ 0.53% above avgNationally 2.67%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 18 Months
$10,000
3.50%
▲ 0.48% above Montana avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▲ 0.48% above avgNationally 2.67%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 18 Months
$10,000
3.50%
▲ 0.48% above Montana avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▲ 0.48% above avgNationally 2.67%
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
Jumbo 18-Month Share Certificate
$0
3.40%
▲ 0.38% above Montana avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▲ 0.38% above avgNationally 2.67%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 18 Months
$2,500
3.30%
▲ 0.28% above Montana avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▲ 0.28% above avgNationally 2.67%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 18 Months
$2,500
3.30%
▲ 0.28% above Montana avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▲ 0.28% above avgNationally 2.67%
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
18-Month Share Certificate
$0
3.25%
▲ 0.23% above Montana avg
▼
Rate3.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▲ 0.23% above avgNationally 2.67%
Details
Belt Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
18 Month
$500
3.15%
▲ 0.13% above Montana avg
▼
Rate3.11%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▲ 0.13% above avgNationally 2.67%
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
IRA 18 Month Fixed
$100
3.03%
▲ 0.01% above Montana avg
▼
Rate3.00%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▲ 0.01% above avgNationally 2.67%
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
IRA 18 Month Variable
$100
3.03%
▲ 0.01% above Montana avg
▼
Rate3.00%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▲ 0.01% above avgNationally 2.67%
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
18 Month IRA
$1,000
2.78%
▼ 0.24% below Montana avg
▼
Rate2.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▼ 0.24% below avgNationally 2.67%
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
18 Month CD
$100
2.52%
▼ 0.50% below Montana avg
▼
Rate2.50%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▼ 0.50% below avgNationally 2.67%
Details
Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
18 Month Certificate
$0
2.52%
▼ 0.50% below Montana avg
▼
Rate2.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▼ 0.50% below avgNationally 2.67%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
18 Month
$500
2.25%
▼ 0.77% below Montana avg
▼
Rate2.22%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▼ 0.77% below avgNationally 2.67%
Details
First Security Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Certificate of Deposit
$0
2.17%
▼ 0.85% below Montana avg
▼
Rate2.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▼ 0.85% below avgNationally 2.67%
Details
6 Month Interest Penalty if term is greater than 1 year
Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Business 18 month multiple deposit
$100
1.65%
▼ 1.37% below Montana avg
▼
Rate1.65%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▼ 1.37% below avgNationally 2.67%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
18 Months
$0
1.56%
▼ 1.46% below Montana avg
▼
Rate1.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▼ 1.46% below avgNationally 2.67%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 18 Months
$0
1.56%
▼ 1.46% below Montana avg
▼
Rate1.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▼ 1.46% below avgNationally 2.67%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 18 Months
$0
1.51%
▼ 1.51% below Montana avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▼ 1.51% below avgNationally 2.67%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 18 Months
$0
1.46%
▼ 1.56% below Montana avg
▼
Rate1.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▼ 1.56% below avgNationally 2.67%
Details
Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
18 Month
$1,000
1.27%
▼ 1.75% below Montana avg
▼
Rate1.25%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average3.02%▼ 1.75% below avgNationally 2.67%
Details
Lindsay 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
24 Month
$0
3.87%
▲ 0.91% above Montana avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.91% above avgNationally 2.71%
Details
With .25% Bonus**
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
24 Month IRA
$0
3.87%
▲ 0.91% above Montana avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.91% above avgNationally 2.71%
Details
With .25% Bonus*
Unity Bank Augusta, WI
Institution Rating:
B-4.3 ★Texas Ratio: 23.34%
24 Month IRA CD
$2,500
3.85%
▲ 0.89% above Montana avg
▼
Rate3.80%
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.89% above avgNationally 2.71%
Details
Interest is credited quarterly. Account will automatically renew at maturity. The renewal term will be 24 months. Early withdrawal fees may apply. Fees may reduce earnings on the account. Offer effective April 28, 2026. Offer valid for a limited time. Consult a tax professional for retirement plan advice.
Valley Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.96%
24 Month Certificate
$500
3.66%
▲ 0.70% above Montana avg
▼
Rate—
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.70% above avgNationally 2.71%
Details
Limited time special! Rates effective as of August 1, 2026.
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 24 Months
$100,000
3.65%
▲ 0.69% above Montana avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.69% above avgNationally 2.71%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 24 Months
$100,000
3.65%
▲ 0.69% above Montana avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.69% above avgNationally 2.71%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
24 Month
$1,000
3.61%
▲ 0.65% above Montana avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.65% above avgNationally 2.71%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
24 Month IRA
$500
3.61%
▲ 0.65% above Montana avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.65% above avgNationally 2.71%
Details
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
2 Years Certificate
$0
3.61%
▲ 0.65% above Montana avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.65% above avgNationally 2.71%
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
IRA Certificates (2 Years)
$0
3.61%
▲ 0.65% above Montana avg
▼
Rate3.55%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.65% above avgNationally 2.71%
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 month CD
$1,000
3.60%
▲ 0.64% above Montana avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.64% above avgNationally 2.71%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 24 Months
$50,000
3.55%
▲ 0.59% above Montana avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.59% above avgNationally 2.71%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 24 Months
$50,000
3.55%
▲ 0.59% above Montana avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.59% above avgNationally 2.71%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 24 Months
$10,000
3.50%
▲ 0.54% above Montana avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.54% above avgNationally 2.71%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 24 Months
$10,000
3.50%
▲ 0.54% above Montana avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.54% above avgNationally 2.71%
Details
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
24 months
$0
3.46%
▲ 0.50% above Montana avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.50% above avgNationally 2.71%
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
2 Year
$0
3.40%
▲ 0.44% above Montana avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.44% above avgNationally 2.71%
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
24-Month Share Certificate
$0
3.40%
▲ 0.44% above Montana avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.44% above avgNationally 2.71%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 24 Months
$2,500
3.30%
▲ 0.34% above Montana avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.34% above avgNationally 2.71%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 24 Months
$2,500
3.30%
▲ 0.34% above Montana avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.34% above avgNationally 2.71%
Details
Belt Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
2 Year
$500
3.23%
▲ 0.27% above Montana avg
▼
Rate3.19%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.27% above avgNationally 2.71%
Details
Mile High Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
24 Month IRA
$1,000
3.03%
▲ 0.07% above Montana avg
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.07% above avgNationally 2.71%
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.12%
24 Month
$0
3.00%
▲ 0.04% above Montana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▲ 0.04% above avgNationally 2.71%
Details
Mountain West Federal Credit Union
Institution Rating:
A-4.9 ★Texas Ratio: 15.12%
24 Month
$0
2.75%
▼ 0.21% below Montana avg
▼
Rate—
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▼ 0.21% below avgNationally 2.71%
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
IRA Certificate 24 Month
$500
2.44%
▼ 0.52% below Montana avg
▼
Rate2.43%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▼ 0.52% below avgNationally 2.71%
Details
Interest Frequency: 6 Months; Early Withdrawal Penalty: 182 Days
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
2 Year Fixed
$100
2.42%
▼ 0.54% below Montana avg
▼
Rate2.40%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▼ 0.54% below avgNationally 2.71%
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
2 1/2 Year Fixed CD
$100
2.27%
▼ 0.69% below Montana avg
▼
Rate2.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▼ 0.69% below avgNationally 2.71%
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
2 1/2 Year Variable CD
$100
2.27%
▼ 0.69% below Montana avg
▼
Rate2.25%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▼ 0.69% below avgNationally 2.71%
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
24 Months
$0
1.81%
▼ 1.15% below Montana avg
▼
Rate1.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▼ 1.15% below avgNationally 2.71%
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
IRA Certificate 24 Months
$0
1.81%
▼ 1.15% below Montana avg
▼
Rate1.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▼ 1.15% below avgNationally 2.71%
Details
Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
2 Year
$1,000
1.76%
▼ 1.20% below Montana avg
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▼ 1.20% below avgNationally 2.71%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
2 Year Fixed
$0
1.75%
▼ 1.21% below Montana avg
▼
Rate1.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▼ 1.21% below avgNationally 2.71%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
24 Month
$500
1.75%
▼ 1.21% below Montana avg
▼
Rate1.73%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▼ 1.21% below avgNationally 2.71%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
IRA SEP Certificates 2 Year Fixed
$0
1.75%
▼ 1.21% below Montana avg
▼
Rate1.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▼ 1.21% below avgNationally 2.71%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
Traditional/ROTH IRA Certificates 2 Year Fixed
$500
1.75%
▼ 1.21% below Montana avg
▼
Rate1.73%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▼ 1.21% below avgNationally 2.71%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
24 Months
$0
1.46%
▼ 1.50% below Montana avg
▼
Rate1.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▼ 1.50% below avgNationally 2.71%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 24 Months
$0
1.46%
▼ 1.50% below Montana avg
▼
Rate1.45%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▼ 1.50% below avgNationally 2.71%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 24 Months
$0
1.41%
▼ 1.55% below Montana avg
▼
Rate1.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▼ 1.55% below avgNationally 2.71%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 24 Months
$0
1.36%
▼ 1.60% below Montana avg
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▼ 1.60% below avgNationally 2.71%
Details
The Family First Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.85%
2 Year Share Certificate
$0
0.15%
▼ 2.81% below Montana avg
▼
Rate0.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.96%▼ 2.81% below avgNationally 2.71%
Details
Lindsay 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
36 Month
$0
3.87%
▲ 1.14% above Montana avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▲ 1.14% above avgNationally 2.66%
Details
With .25% Bonus**
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
36 Month IRA
$0
3.87%
▲ 1.14% above Montana avg
▼
Rate3.80%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▲ 1.14% above avgNationally 2.66%
Details
With .25% Bonus*
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 month CD
$1,000
3.75%
▲ 1.02% above Montana avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▲ 1.02% above avgNationally 2.66%
Details
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
3 Years Certificate
$0
3.66%
▲ 0.93% above Montana avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▲ 0.93% above avgNationally 2.66%
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
IRA Certificates (3 Years)
$0
3.66%
▲ 0.93% above Montana avg
▼
Rate3.60%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▲ 0.93% above avgNationally 2.66%
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
36 Month - No Bump
$0
3.65%
▲ 0.92% above Montana avg
▼
Rate3.59%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▲ 0.92% above avgNationally 2.66%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
36 Month
$1,000
3.61%
▲ 0.88% above Montana avg
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▲ 0.88% above avgNationally 2.66%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
36 Month IRA
$500
3.61%
▲ 0.88% above Montana avg
▼
Rate3.55%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▲ 0.88% above avgNationally 2.66%
Details
Belt Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
3 Year
$500
3.59%
▲ 0.86% above Montana avg
▼
Rate3.54%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▲ 0.86% above avgNationally 2.66%
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
36-Month Share Certificate Step Up
$0
3.40%
▲ 0.67% above Montana avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▲ 0.67% above avgNationally 2.66%
Details
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
36 months
$0
3.35%
▲ 0.62% above Montana avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▲ 0.62% above avgNationally 2.66%
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
3 Year
$0
3.30%
▲ 0.57% above Montana avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▲ 0.57% above avgNationally 2.66%
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
IRA 36 Month Fixed
$100
2.52%
▼ 0.21% below Montana avg
▼
Rate2.50%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▼ 0.21% below avgNationally 2.66%
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
IRA 36 Month Variable
$100
2.52%
▼ 0.21% below Montana avg
▼
Rate2.50%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▼ 0.21% below avgNationally 2.66%
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
IRA Certificate 36 Month
$500
2.49%
▼ 0.24% below Montana avg
▼
Rate2.47%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▼ 0.24% below avgNationally 2.66%
Details
Interest Frequency: 6 Months; Early Withdrawal Penalty: 365 Days
Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
3 Year
$1,000
2.02%
▼ 0.71% below Montana avg
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▼ 0.71% below avgNationally 2.66%
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
3 Year Fixed CD
$100
2.02%
▼ 0.71% below Montana avg
▼
Rate2.00%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▼ 0.71% below avgNationally 2.66%
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
36 Months
$0
1.97%
▼ 0.76% below Montana avg
▼
Rate1.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▼ 0.76% below avgNationally 2.66%
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
IRA Certificate 36 Months
$0
1.97%
▼ 0.76% below Montana avg
▼
Rate1.95%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▼ 0.76% below avgNationally 2.66%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
3 Year Fixed
$0
1.75%
▼ 0.98% below Montana avg
▼
Rate1.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▼ 0.98% below avgNationally 2.66%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
36 Month
$500
1.75%
▼ 0.98% below Montana avg
▼
Rate1.73%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▼ 0.98% below avgNationally 2.66%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
IRA SEP Certificates 3 Year Fixed
$0
1.75%
▼ 0.98% below Montana avg
▼
Rate1.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▼ 0.98% below avgNationally 2.66%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
Traditional/ROTH IRA Certificates 3 Year Fixed
$500
1.75%
▼ 0.98% below Montana avg
▼
Rate1.73%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▼ 0.98% below avgNationally 2.66%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
36 Months
$0
1.36%
▼ 1.37% below Montana avg
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▼ 1.37% below avgNationally 2.66%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 36 Months
$0
1.36%
▼ 1.37% below Montana avg
▼
Rate1.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▼ 1.37% below avgNationally 2.66%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 36 Months
$0
1.31%
▼ 1.42% below Montana avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▼ 1.42% below avgNationally 2.66%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 36 Months
$0
1.26%
▼ 1.47% below Montana avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▼ 1.47% below avgNationally 2.66%
Details
The Family First Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 13.85%
3 Year Share Certificate
$0
0.20%
▼ 2.53% below Montana avg
▼
Rate0.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.73%▼ 2.53% below avgNationally 2.66%
Details
Lindsay 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Glendive BN Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 month CD
$1,000
3.85%
▲ 1.27% above Montana avg
▼
Rate—
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▲ 1.27% above avgNationally 2.65%
Details
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
4 Years Certificate
$0
3.71%
▲ 1.13% above Montana avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▲ 1.13% above avgNationally 2.65%
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
IRA Certificates (4 Years)
$0
3.71%
▲ 1.13% above Montana avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▲ 1.13% above avgNationally 2.65%
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
48 Month - One Bump
$0
3.70%
▲ 1.12% above Montana avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▲ 1.12% above avgNationally 2.65%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
48 Month
$1,000
3.45%
▲ 0.87% above Montana avg
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▲ 0.87% above avgNationally 2.65%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
48 Month IRA
$500
3.45%
▲ 0.87% above Montana avg
▼
Rate3.40%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▲ 0.87% above avgNationally 2.65%
Details
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
48 months
$0
3.35%
▲ 0.77% above Montana avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▲ 0.77% above avgNationally 2.65%
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
4 Year
$0
3.30%
▲ 0.72% above Montana avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▲ 0.72% above avgNationally 2.65%
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
48 Months
$0
2.07%
▼ 0.51% below Montana avg
▼
Rate2.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▼ 0.51% below avgNationally 2.65%
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
IRA Certificate 48 Months
$0
2.07%
▼ 0.51% below Montana avg
▼
Rate2.05%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▼ 0.51% below avgNationally 2.65%
Details
First Security Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Month Certificate of Deposit
$0
2.02%
▼ 0.56% below Montana avg
▼
Rate2.00%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▼ 0.56% below avgNationally 2.65%
Details
6 Month Interest Penalty if term is greater than 1 year
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
4 Year Fixed CD
$100
1.91%
▼ 0.67% below Montana avg
▼
Rate1.90%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▼ 0.67% below avgNationally 2.65%
Details
Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
4 Year Variable CD
$100
1.91%
▼ 0.67% below Montana avg
▼
Rate1.90%
Min Deposit$100
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▼ 0.67% below avgNationally 2.65%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
4 Year Fixed
$0
1.75%
▼ 0.83% below Montana avg
▼
Rate1.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▼ 0.83% below avgNationally 2.65%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
48 Month
$500
1.75%
▼ 0.83% below Montana avg
▼
Rate1.73%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▼ 0.83% below avgNationally 2.65%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
IRA SEP Certificates 4 Year Fixed
$0
1.75%
▼ 0.83% below Montana avg
▼
Rate1.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▼ 0.83% below avgNationally 2.65%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
Traditional/ROTH IRA Certificates 4 Year Fixed
$500
1.75%
▼ 0.83% below Montana avg
▼
Rate1.73%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▼ 0.83% below avgNationally 2.65%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
48 Months
$0
1.26%
▼ 1.32% below Montana avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▼ 1.32% below avgNationally 2.65%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 48 Months
$0
1.26%
▼ 1.32% below Montana avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▼ 1.32% below avgNationally 2.65%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 48 Months
$0
1.21%
▼ 1.37% below Montana avg
▼
Rate1.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▼ 1.37% below avgNationally 2.65%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 48 Months
$0
1.16%
▼ 1.42% below Montana avg
▼
Rate1.15%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.58%▼ 1.42% below avgNationally 2.65%
Details
Lindsay 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
5 Years Certificate
$0
3.71%
▲ 0.81% above Montana avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▲ 0.81% above avgNationally 2.76%
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.01%
IRA Certificates (5 Years)
$0
3.71%
▲ 0.81% above Montana avg
▼
Rate3.65%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▲ 0.81% above avgNationally 2.76%
Details
Dividends compounded and credited monthly. Minimum balance is required to earn dividends.
Intrepid Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
60 Month - One Bump
$0
3.70%
▲ 0.80% above Montana avg
▼
Rate3.63%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▲ 0.80% above avgNationally 2.76%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 60 Months
$100,000
3.60%
▲ 0.70% above Montana avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▲ 0.70% above avgNationally 2.76%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 60 Months
$100,000
3.60%
▲ 0.70% above Montana avg
▼
Rate—
Min Deposit$100,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▲ 0.70% above avgNationally 2.76%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
60 Month
$1,000
3.55%
▲ 0.65% above Montana avg
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▲ 0.65% above avgNationally 2.76%
Details
Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.46%
60 Month IRA
$500
3.55%
▲ 0.65% above Montana avg
▼
Rate3.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▲ 0.65% above avgNationally 2.76%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 60 Months
$50,000
3.50%
▲ 0.60% above Montana avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▲ 0.60% above avgNationally 2.76%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 60 Months
$50,000
3.50%
▲ 0.60% above Montana avg
▼
Rate—
Min Deposit$50,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▲ 0.60% above avgNationally 2.76%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 60 Months
$10,000
3.45%
▲ 0.55% above Montana avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▲ 0.55% above avgNationally 2.76%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 60 Months
$10,000
3.45%
▲ 0.55% above Montana avg
▼
Rate—
Min Deposit$10,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▲ 0.55% above avgNationally 2.76%
Details
Belt Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
5 Year
$500
3.44%
▲ 0.54% above Montana avg
▼
Rate3.39%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▲ 0.54% above avgNationally 2.76%
Details
Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
5 Year
$0
3.40%
▲ 0.50% above Montana avg
▼
Rate3.40%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▲ 0.50% above avgNationally 2.76%
Details
Park Side Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.82%
60-Month Share Certificate Step Up
$0
3.40%
▲ 0.50% above Montana avg
▼
Rate3.35%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▲ 0.50% above avgNationally 2.76%
Details
Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.07%
60 months
$0
3.35%
▲ 0.45% above Montana avg
▼
Rate3.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▲ 0.45% above avgNationally 2.76%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - All Individual Retirement Accounts - (IRAs) 60 Months
$2,500
3.25%
▲ 0.35% above Montana avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▲ 0.35% above avgNationally 2.76%
Details
Billings Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.61%
Share Certificates - Regular 60 Months
$2,500
3.25%
▲ 0.35% above Montana avg
▼
Rate—
Min Deposit$2,500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▲ 0.35% above avgNationally 2.76%
Details
Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
IRA Certificate 60 Month
$500
2.52%
▼ 0.38% below Montana avg
▼
Rate2.50%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▼ 0.38% below avgNationally 2.76%
Details
Interest Frequency: 6 Months; Early Withdrawal Penalty: 365 Days
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
60 Months
$0
2.32%
▼ 0.58% below Montana avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▼ 0.58% below avgNationally 2.76%
Details
1st Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
IRA Certificate 60 Months
$0
2.32%
▼ 0.58% below Montana avg
▼
Rate2.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▼ 0.58% below avgNationally 2.76%
Details
Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★Texas Ratio: 8.58%
5 Year
$1,000
2.02%
▼ 0.88% below Montana avg
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▼ 0.88% below avgNationally 2.76%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
5 Year Fixed
$0
1.75%
▼ 1.15% below Montana avg
▼
Rate1.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▼ 1.15% below avgNationally 2.76%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
60 Month
$500
1.75%
▼ 1.15% below Montana avg
▼
Rate1.73%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▼ 1.15% below avgNationally 2.76%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
IRA SEP Certificates 5 Year Fixed
$0
1.75%
▼ 1.15% below Montana avg
▼
Rate1.73%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▼ 1.15% below avgNationally 2.76%
Details
Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 18.24%
Traditional/ROTH IRA Certificates 5 Year Fixed
$500
1.75%
▼ 1.15% below Montana avg
▼
Rate1.73%
Min Deposit$500
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▼ 1.15% below avgNationally 2.76%
Details
Ravalli County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
60 Month Certificate
$0
1.51%
▼ 1.39% below Montana avg
▼
Rate1.50%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▼ 1.39% below avgNationally 2.76%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
60 Months
$0
1.31%
▼ 1.59% below Montana avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▼ 1.59% below avgNationally 2.76%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 60 Months
$0
1.31%
▼ 1.59% below Montana avg
▼
Rate1.30%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▼ 1.59% below avgNationally 2.76%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 60 Months
$0
1.26%
▼ 1.64% below Montana avg
▼
Rate1.25%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▼ 1.64% below avgNationally 2.76%
Details
Native American Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.92%
Business 60 Months
$0
1.21%
▼ 1.69% below Montana avg
▼
Rate1.20%
Min Deposit$0
Min Balance—
Verified and UpdatedAug 28, 2026
Montana Average2.90%▼ 1.69% below avgNationally 2.76%
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.
Lindsay, MT CD Rate Trends
Compare local Lindsay, 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
2.722%
▼ 0.660 vs 7 days ago
Montana 12-month CD rates fell 0.660 points over the past 7 days to 2.722% APY.
6-Month CD — MT Avg
2.296%
▼ 1.061 vs 7 days ago
Montana 6-month CD rates fell 1.061 points over the past 7 days to 2.296% APY.
As of Aug 30, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
MT CD Rate Forecast — Next 12 Months
Where are Montana CD rates headed through August 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
MT 12-Month Avg APY
2.722%
6-Month Forecast
2.722%
Range: 2.52% – 2.87%
12-Month Forecast
2.472%
Range: 2.27% – 2.62%
Powered by
MonitorBankRates
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 | 1.097% | $54.84 | $109.68 | $274.20 | $548.40 |
| 6-Month CD | 2.296% | $114.80 | $229.61 | $574.03 | $1,148.05 |
| 12-Month CD | 2.722% | $136.10 | $272.19 | $680.48 | $1,360.95 |
| 18-Month CD | 3.021% | $151.07 | $302.14 | $755.35 | $1,510.70 |
| 24-Month CD | 2.956% | $147.81 | $295.61 | $739.03 | $1,478.05 |
| 36-Month CD | 2.725% | $136.26 | $272.52 | $681.30 | $1,362.60 |
| 48-Month CD | 2.580% | $128.99 | $257.98 | $644.95 | $1,289.90 |
| 60-Month CD | 2.905% | $145.24 | $290.48 | $726.20 | $1,452.40 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of August 28, 2026. | |||||
Sample CD Ladder for Lindsay, 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 | 1.097% | $54.84 |
| 2 | 6-Month CD | $5,000 | 2.296% | $114.80 |
| 3 | 12-Month CD | $5,000 | 2.722% | $136.10 |
| 4 | 24-Month CD | $5,000 | 2.956% | $147.81 |
| 5 | 36-Month CD | $5,000 | 2.725% | $136.26 |
| Total ($25,000 invested) | $25,000 | 2.359% blended | $589.81/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.
218
CD Rates
Tracked in Lindsay, Montana
Tracked in Lindsay, Montana
10 Banks
15 Credit Unions
About Our Lindsay, Montana CD Rate Database
MonitorBankRates tracks 218 CD rates from 10 banks and 15 credit unions with locations in Lindsay, 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: Park Side Financial Credit Union offers a CD at 4.40% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Lindsay, Montana.
How to Find the Best CD Rates in Lindsay, Montana
What to compare when shopping for a CD in Lindsay, Montana
To find the best APYs in Lindsay, Montana, start with credit unions and online-only banks — Lindsay, Montana has 15 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 Lindsay, 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 Lindsay, Montana — 25 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days — compare Lindsay, Montana savings rates instead
- Rates are rising and you want to benefit — a variable-rate savings or money market account keeps pace
- You want check-writing access — compare Lindsay, Montana money market rates
Montana Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
20.1%
National avg: 17.3%
Median Individual Earnings
$40,712
National avg: $47,340
Poverty Rate
11.5%
National avg: 11.1%
Unemployment Rate
3.6%
National avg: 4.8%
CD Earnings on 10% of Salary
$111/yr
At MT 12-mo avg 2.722% APY
20.1% of residents are 65 or older — above the national average of 17.3% — making fixed-rate CDs a particularly relevant savings vehicle in this market; a low unemployment rate of 3.6% reflects a strong local economy. At today’s MT 12-month CD average of 2.722%, saving 10% of the local median salary ($4,071/year) and putting it in a CD would earn an additional $111 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 Lindsay, 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 |
How Certificates of Deposit Work in Lindsay, Montana
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Lindsay, Montana typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Lindsay, Montana as everywhere in the U.S.
Choosing a CD Term in Lindsay, Montana
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Lindsay, Montana savers easier access to their funds. For example, Valley Financial Credit Union is offering its 6 Month Certificate at 3.97% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Rocky Mountain Credit Union is offering its 5 Years Certificate at 3.71% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Lindsay, Montana Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Lindsay, Montana saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Lindsay, Montana
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Lindsay, Montana CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Lindsay, Montana
Most CDs carry a fixed rate that is locked for the entire term, protecting a Lindsay, Montana depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.
Frequently Asked Questions about CD Rates in Lindsay, Montana
Are CD rates in Lindsay, Montana FDIC insured?
Yes, most established banks in Lindsay, 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 Lindsay, 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 Lindsay, 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 Lindsay, 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 Lindsay, Montana?
Here are recent top rates found for this area:
- Park Side Financial Credit Union: 4.40% APY (1-Year Youth Certificate)
- Valley Financial Credit Union: 3.97% APY (12 Month Certificate)
- Horizon Credit Union: 3.87% APY (24 Month)
- Unity Bank Augusta, WI : 3.85% APY (24 Month IRA CD)
- Glendive BN Federal Credit Union: 3.85% APY (48 month CD)
- Sky Federal Credit Union: 3.80% APY (1 Year Fixed)
- Billings Federal Credit Union: 3.80% APY (Share Certificates - All Individual Retirement Accounts - (IRAs) 6 Months)
- Mile High Federal Credit Union: 3.80% APY (3 Month (Special))
- Rocky Mountain Credit Union: 3.71% APY (4 Years Certificate)
- Intrepid Credit Union: 3.70% APY (48 Month - One Bump)
Rates reflect recent verified offers available in Lindsay, Montana. Last Updated: August 28, 2026
Lindsay, Montana CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY — or click any current Lindsay, Montana rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
—
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
CD Calculators for Lindsay, Montana
Lindsay, Montana CD Calculator
At today’s MT top rate of 4.40% APY, a $10,000 deposit earns $440 in the first year. Enter your amount to see your exact return.
Lindsay, Montana CD LadderMT CD rates currently range from 1.097% (3-month) to 2.725% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Lindsay, Montana CD at 4.40% 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 2.722% 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
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lindsay, Montana CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Lindsay, 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 sourcing data 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 Lindsay, 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: August 28, 2026
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