Lodge Grass, Montana CD Rates Today - Compare Best APYs for June 2026
Brian McKay
Brian McKay
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Current Lodge Grass, Montana CD rates include 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, 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, Sky Federal Credit UnionSky Federal Credit UnionB4.6 ★Texas Ratio: 18.24%Real return: +1.00%APY minus CPI (February 2026) offering 1 Year Fixed at 3.80% APY, Mile High Federal Credit UnionMile High Federal Credit UnionA+5.0 ★Texas Ratio: 0.03%Real return: +1.00%APY minus CPI (February 2026) offering 3 Month at 3.80% APY, and Altana Federal Credit UnionAltana Federal Credit UnionA+5.0 ★Texas Ratio: 5.55%Real return: +0.89%APY minus CPI (February 2026) offering 12 Month Certificates at 3.69% APY. CD rates as of June 16, 2026 according to verified data from MonitorBankRates.
Lodge Grass is a smaller community with no bank or credit union branches currently in our database. 199 institutions serving the Montana area are available to Lodge Grass residents, with CD rates as high as 4.00% APY from Summit National Bank. 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: June 16, 2026
Compare Best CD Rates in Lodge Grass, Montana & the Surrounding Area
Lodge Grass 3 Month CD Rates
Opening Deposit $250,000
Opening Deposit $0 - $249,999
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Lodge Grass 6 Month CD Rates
RATES WITH DIRECT DEPOSIT
Qualifications Required; To receive the disclosed direct deposit interest rate/APY, you must maintain a separate account with a qualifying direct deposit received from a person or organization into the separate account. Qualifying direct deposits include payroll, government (such as Social Security) and dividend Direct Deposits from investment accounts. Does not include P2P transactions. If at renewal you are no longer receiving direct deposit in any of your other accounts with us, the time deposit will revert to the then current applicable interest rate without the direct deposit special.
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
RATES WITH NO DIRECT DEPOSIT
To receive the disclosed direct deposit interest rate/APY, you must maintain a separate account with a qualifying direct deposit received from a person or organization into the separate account. Qualifying direct deposits include payroll, government (such as Social Security) and dividend Direct Deposits from investment accounts. Does not include P2P transactions. If at renewal you are no longer receiving direct deposit in any of your other accounts with us, the time deposit will revert to the then current applicable interest rate without the direct deposit special.
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Lodge Grass 12 Month CD Rates
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Interest Frequency: 3 Months; Early Withdrawal Penalty: 91 Days
Relationship APY: 1.51%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY: 1.51%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Lodge Grass 18 Month CD Rates
Interest Frequency: 3 Months; Early Withdrawal Penalty: 182 Days
Lodge Grass 24 Month CD Rates
Interest Frequency: 6 Months; Early Withdrawal Penalty: 182 Days
Lodge Grass 36 Month CD Rates
Interest Frequency: 6 Months; Early Withdrawal Penalty: 365 Days
Lodge Grass 48 Month CD Rates
Lodge Grass 60 Month CD Rates
Interest Frequency: 6 Months; Early Withdrawal Penalty: 365 Days
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Lodge Grass, MT CD Rate Trends
Compare local Lodge Grass, 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.
Montana 12-month CD rates fell 0.337 points over the past 7 days to 2.666% APY.
Montana 6-month CD rates fell 0.090 points over the past 7 days to 2.294% APY.
MT CD Rate Forecast — Next 12 Months
Where are Montana CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 0.900% | $44.99 | $89.97 | $224.93 | $449.85 |
| 6-Month CD | 2.294% | $114.68 | $229.36 | $573.40 | $1,146.80 |
| 12-Month CD | 2.666% | $133.29 | $266.58 | $666.45 | $1,332.90 |
| 18-Month CD | 2.749% | $137.46 | $274.91 | $687.28 | $1,374.55 |
| 24-Month CD | 2.758% | $137.89 | $275.78 | $689.45 | $1,378.90 |
| 36-Month CD | 2.783% | $139.15 | $278.29 | $695.73 | $1,391.45 |
| 48-Month CD | 1.830% | $91.51 | $183.02 | $457.55 | $915.10 |
| 60-Month CD | 2.754% | $137.68 | $275.35 | $688.38 | $1,376.75 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 16, 2026. | |||||
Sample CD Ladder for Lodge Grass, 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 | 0.900% | $44.99 |
| 2 | 6-Month CD | $5,000 | 2.294% | $114.68 |
| 3 | 12-Month CD | $5,000 | 2.666% | $133.29 |
| 4 | 24-Month CD | $5,000 | 2.758% | $137.89 |
| 5 | 36-Month CD | $5,000 | 2.783% | $139.15 |
| Total ($25,000 invested) | $25,000 | 2.280% blended | $570.00/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.
Tracked in Lodge Grass, Montana
About Our Lodge Grass, Montana CD Rate Database
MonitorBankRates tracks 162 CD rates from 9 banks and 8 credit unions with locations in Lodge Grass, 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: Summit National Bank offers a CD at 4.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Lodge Grass, Montana.
How to Find the Best CD Rates in Lodge Grass, Montana
What to compare when shopping for a CD in Lodge Grass, Montana
To find the best APYs in Lodge Grass, Montana, start with credit unions and online-only banks — Lodge Grass, Montana has 8 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 Lodge Grass, 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 Lodge Grass, Montana — 17 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Lodge Grass, Montana savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Lodge Grass, 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)
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 2.666%, saving 10% of the local median salary ($4,071/year) and putting it in a CD would earn an additional $109 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 Lodge Grass, 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 Lodge Grass, 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 Lodge Grass, 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 Lodge Grass, Montana as everywhere in the U.S.
Choosing a CD Term in Lodge Grass, 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 Lodge Grass, Montana savers easier access to their funds. For example, Summit National Bank is offering its 6 Month CD at 4.00% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Altana Federal Credit Union is offering its 60 Month Certificates at 3.69% 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 Lodge Grass, 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 Lodge Grass, 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 Lodge Grass, 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 Lodge Grass, 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 Lodge Grass, Montana
Most CDs carry a fixed rate that is locked for the entire term, protecting a Lodge Grass, 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 Lodge Grass, Montana
Are CD rates in Lodge Grass, Montana FDIC insured?
Do I have to pay state taxes on CD interest in Lodge Grass, Montana?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Lodge Grass, Montana?
- Summit National Bank: 4.00% APY (6 Month CD)
- Unity Bank Augusta, WI : 3.85% APY (24 Month IRA CD)
- Sky Federal Credit Union: 3.80% APY (1 Year Fixed)
- Mile High Federal Credit Union: 3.80% APY (3 Month)
- Altana Federal Credit Union: 3.69% APY (12 Month Certificates)
- Flanagan State Bank: 3.65% APY (Relationship Special 12 Month)
- SEG Federal Credit Union: 3.65% APY (12 mo)
- Ravalli County Federal Credit Union: 3.53% APY (3 Month Youth Certificate)
- Montana Federal Credit Union: 3.50% APY (6 month)
- Mountain West Federal Credit Union: 3.50% APY (6 Month CD)
CD Calculators for Lodge Grass, Montana
At today’s MT top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Lodge Grass, Montana CD LadderMT CD rates currently range from 0.900% (3-month) to 2.783% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Lodge Grass, Montana CD at 4.00% 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 2.666% 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 Lodge Grass, 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 Lodge Grass, 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 Lodge Grass, 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.
Lodge Grass, Montana Rates & Resources
