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Best Money Market Rates in Helena, Montana (MT) - May 2026

Current Helena, Montana and the surrounding area money market deposit account rates include Farmers State Bank Victor, MTFarmers State Bank Victor, MT2125 N Last Chance Gulch, Helena, MT 59601A5.0 ★Texas Ratio: 8.58% Platinum Money Market at 3.45% APY, Vocal Credit UnionVocal Credit Union2910 Prospect Ave, Helena, MT 59601 9726A+5.0 ★Texas Ratio: 5.34% MONEY MARKET and over at 1.51% APY, Intrepid Credit UnionIntrepid Credit Union915 Kessler St, Helena, MT 59601A+5.0 ★Texas Ratio: 1.35% Money Market at 1.50% APY, Rocky Mountain Credit UnionRocky Mountain Credit Union3400 N Montana Ave, Helena, MT 59602A5.0 ★Texas Ratio: 7.32% Premier Money Market at 1.28% APY, and Sky Federal Credit UnionSky Federal Credit UnionB4.6 ★Texas Ratio: 20.02% Managed Liquidity Money Market at 4.00% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Helena has 4 local institutions in our database, with money market rates as high as 3.45% APY from Farmers State Bank Victor, MT at 2125 N Last Chance Gulch, Helena, MT 59601. Use the table below to compare all available offers, including options from institutions serving the broader Montana area. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Helena, Montana and surrounding area. Last Updated and Verified: May 12, 2026

Compare the Best Money Market Rates Today in Helena, Montana & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★ Texas Ratio: 8.58%
2125 N Last Chance Gulch, Helena, MT 59601
Platinum Money Market
3.45%
$25
Rate3.40%
Min Deposit$25
Min Balance
UpdatedMay 5, 2026
Details

See Tiered Pricing below

Vocal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.34%
2910 Prospect Ave, Helena, MT 59601 9726
MONEY MARKET and over
1.51%
$0
Rate1.50%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

$20,000.00

Intrepid Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
915 Kessler St, Helena, MT 59601
Premium Plus Money Market
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Intrepid Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
915 Kessler St, Helena, MT 59601
Money Market
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★ Texas Ratio: 8.58%
2125 N Last Chance Gulch, Helena, MT 59601
Platinum Money Market
1.46%
$25
Rate1.45%
Min Deposit$25
Min Balance
UpdatedMay 5, 2026
Details

See Tiered Pricing below

Intrepid Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
915 Kessler St, Helena, MT 59601
Premium Plus Money Market
1.45%
$0
Rate1.44%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Intrepid Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
915 Kessler St, Helena, MT 59601
Money Market
1.40%
$0
Rate1.39%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Rocky Mountain Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
3400 N Montana Ave, Helena, MT 59602
Premier Money Market
1.28%
$0
Rate
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Fees apply to any balance below $50,000

Intrepid Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
915 Kessler St, Helena, MT 59601
Money Market
1.15%
$0
Rate1.14%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★ Texas Ratio: 8.58%
2125 N Last Chance Gulch, Helena, MT 59601
Platinum Money Market
1.11%
$25
Rate1.10%
Min Deposit$25
Min Balance
UpdatedMay 5, 2026
Details

See Tiered Pricing below

Rocky Mountain Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
3400 N Montana Ave, Helena, MT 59602
Premier Money Market
1.04%
$0
Rate
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Fees apply to any balance below $50,000

Vocal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.34%
2910 Prospect Ave, Helena, MT 59601 9726
MONEY MARKET
1.01%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

$0 - $19,999.99

Intrepid Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
915 Kessler St, Helena, MT 59601
Premium Plus Money Market
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Rocky Mountain Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
3400 N Montana Ave, Helena, MT 59602
Standard Money Market
0.94%
$0
Rate
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Fees apply to any balance below $2,500

Intrepid Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
915 Kessler St, Helena, MT 59601
Money Market
0.90%
$0
Rate0.90%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★ Texas Ratio: 8.58%
2125 N Last Chance Gulch, Helena, MT 59601
Platinum Money Market
0.75%
$25
Rate0.75%
Min Deposit$25
Min Balance
UpdatedMay 5, 2026
Details

See Tiered Pricing below

Intrepid Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
915 Kessler St, Helena, MT 59601
Premium Plus Money Market
0.65%
$0
Rate0.65%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Intrepid Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
915 Kessler St, Helena, MT 59601
Money Market
0.65%
$0
Rate0.65%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Farmers State Bank Victor, MT
Institution Rating:
A5.0 ★ Texas Ratio: 8.58%
2125 N Last Chance Gulch, Helena, MT 59601
Platinum Money Market
0.45%
$25
Rate0.45%
Min Deposit$25
Min Balance
UpdatedMay 5, 2026
Details

See Tiered Pricing below

Intrepid Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.35%
915 Kessler St, Helena, MT 59601
Money Market
0.45%
$0
Rate0.45%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Rocky Mountain Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.32%
3400 N Montana Ave, Helena, MT 59602
Standard Money Market
0.44%
$0
Rate
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Fees apply to any balance below $2,500

Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.02%
Sky High Money Market
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.02%
Managed Liquidity Money Market
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Money market
3.55%
$0
Rate3.49%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Altana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
ACE Money Market
3.20%
$0
Rate3.15%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

$250,000+

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Money market
3.20%
$0
Rate3.15%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Money Market
2.89%
$100
Rate2.85%
Min Deposit$100
Min Balance
UpdatedMay 5, 2026
Details

Altana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
Sam Money Market
2.70%
$0
Rate2.67%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

$100,000+

Pioneer Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Money Market Savings
2.57%
$0
Rate
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Money Market
2.53%
$100
Rate2.50%
Min Deposit$100
Min Balance
UpdatedMay 5, 2026
Details

Altana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
Sam Money Market
2.50%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

$75,000 - $99,999.99

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Money market
2.40%
$0
Rate2.37%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Altana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
Sam Money Market
2.25%
$0
Rate2.23%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

$50,000 - $74,999.99

Pioneer Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Money Market Savings
2.05%
$0
Rate
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

Summit National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Premier Money Markets
2.02%
$0
Rate
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

Minimum to Open

Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Money Market
2.02%
$100
Rate2.00%
Min Deposit$100
Min Balance
UpdatedMay 5, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.02%
Sky High Money Market
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Altana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.84%
Sam Money Market
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

$25,000 - $49,999.99

Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.02%
Premier Money Market
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

The Bank of Commerce
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Money Market Account
2.00%
$0
Rate
Min Deposit$0
Min Balance
UpdatedMay 4, 2026
Details

Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Money Market
1.97%
$100
Rate1.95%
Min Deposit$100
Min Balance
UpdatedMay 5, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Money market
1.90%
$0
Rate1.88%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Money Market
1.86%
$100
Rate1.85%
Min Deposit$100
Min Balance
UpdatedMay 5, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.02%
Premier Money Market
1.75%
$0
Rate1.74%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Money Market
1.50%
$0
Rate
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.02%
Sky High Money Market
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.02%
Premier Money Market
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.02%
Managed Liquidity Money Market
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.02%
Money Market
1.50%
$0
Rate1.49%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Money market
1.45%
$0
Rate1.44%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Pioneer Federal S&L
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Money Market Savings
1.28%
$0
Rate
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.02%
Money Market
1.25%
$0
Rate1.24%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.02%
Premier Money Market
1.25%
$0
Rate1.24%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.02%
Sky High Money Market
1.25%
$0
Rate1.24%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Montana Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.94%
Money Market Account
1.25%
$0
Rate
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.75%
Money Market
1.05%
$0
Rate
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Montana Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.94%
Money Market Account
1.00%
$0
Rate
Min Deposit$0
Min Balance
UpdatedMay 12, 2026
Details

Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Money Market Account
1.00%
$0
Rate0.99%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Money market
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Rimrock Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
Money Market Share Account
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Money Market Account
0.90%
$0
Rate0.90%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.02%
Sky High Money Market
0.85%
$0
Rate0.84%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
Money market
0.85%
$0
Rate0.85%
Min Deposit$0
Min Balance
UpdatedMay 10, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.02%
Money Market
0.85%
$0
Rate0.84%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Montana Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Money Market Account
0.80%
$0
Rate0.80%
Min Deposit$0
Min Balance
UpdatedMay 6, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
Money Market Investment Account
0.65%
$0
Rate0.65%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
Money Market Investment Account
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
Money Market Investment Account
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMay 5, 2026
Details

Madison Valley Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
Money Market
0.25%
$1,000
Rate0.25%
Min Deposit$1,000
Min Balance
UpdatedMay 5, 2026
Details

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
Money Market Investment Account Money Market
0.22%
$2,500
Rate0.22%
Min Deposit$2,500
Min Balance
UpdatedMay 5, 2026
Details

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. Rates reflect recent market quotes and representative offers available to depositors in Helena, Montana and the surrounding area.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.

Helena, MT Money Market Rate Trends

Compare local Helena, MT money market quotes against the statewide average

Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Montana MMA Trends →
High-Yield MMA — MT Avg
3.234%
Unchanged vs 7 days ago

Montana high-yield MMA rates currently average 3.234% APY.

Standard MMA — MT Avg
0.983%
Unchanged vs 7 days ago

Montana standard MMA rates currently average 0.983% APY.

As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Helena, Montana directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed 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 Helena, Montana. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in MT.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Money Market Accounts in Helena, Montana

What is a Money Market Account (MMA)?

A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Montana.

Are Money Market accounts in Helena, Montana safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Montana up to $250,000 per depositor, per institution.

How often do MMA rates change in Helena, Montana?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Montana rate tables daily to ensure you see the most current high-yield options.

Can I write checks from a Money Market Account?

Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.

How much do I need to deposit to open a money market account in Helena, Montana?

Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Helena, Montana require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.

Best Money Market Rates in Helena, Montana

Here are some of the highest money market account APYs currently available in Helena, Montana and the surrounding area:
  • Farmers State Bank Victor, MT
    Platinum Money Market — 3.45% APY
  • Vocal Credit Union
    MONEY MARKET and over — 1.51% APY
  • Intrepid Credit Union
    Money Market — 1.50% APY
  • Rocky Mountain Credit Union
    Premier Money Market — 1.28% APY
  • Sky Federal Credit Union
    Managed Liquidity Money Market — 4.00% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Helena, Montana. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026