Fort Peck, Montana Savings Rates - October 2026
Brian McKay
Brian McKay
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Fort Peck, Montana savings account rates range from 0.01% to 5.12% APY, verified by MonitorBankRates as of October 23, 2026. The best savings rates for Fort Peck, Montana and the surrounding area include Fort Peck Community Federal Credit UnionFort Peck Community Federal Credit Union1 E Kansas, Fort Peck, MT 59223A-4.9 ★Texas Ratio: 15.94%Real return: -3.20%APY minus 3.7% CPIRate verified Oct 23, 2026 Share Savings at 0.50% APY, Valley Financial Credit UnionValley Financial Credit UnionA+5.0 ★Texas Ratio: 1.69%Real return: +1.42%APY minus 3.7% CPIRate verified Oct 19, 2026 Youth Savings at 5.12% APY, Daniels-Sheridan Federal Credit UnionDaniels-Sheridan Federal Credit UnionA5.0 ★Texas Ratio: 6.90%Real return: +0.30%APY minus 3.7% CPIRate verified Oct 23, 2026 Kasasa Saver Savings at 4.00% APY, US BankUS BankA+5.0 ★Texas Ratio: 2.85%Real return: -0.20%APY minus 3.7% CPIRate verified Oct 20, 2026 Bank Smartly Savings Account at 3.50% APY, and The Bank of CommerceThe Bank of CommerceA5.0 ★Texas Ratio: 6.88%Real return: -0.20%APY minus 3.7% CPIRate verified Oct 20, 2026 $mart Cents savings at 3.50% APY.
Fort Peck has 1 local institution in our database, with savings rates as high as 0.50% APY from Fort Peck Community Federal Credit Union at 1 E Kansas, Fort Peck, MT 59223. Use the table below to compare all available offers, including options from institutions serving the broader Montana area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Fort Peck, Montana and the surrounding area. Last Updated and Verified: October 23, 2026
Compare the Best Savings Rates in Fort Peck, Montana & Surrounding Communities
Computed on average daily balance, paid monthly
Earn up to 5.12% APY
Qualifications Required; Balance: up to $25,000.00 (qualifying balance cap)
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card and have a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location; Monthly maintenance fee $5, waivable
Balance: $0 - $5,000; ^$mart Cents accounts are for our 18 and under customers
Qualifications Required; Balance: 0 to $20,000; Qualifying balance up to $20,000.00; Even if qualifications are not met, the base rate of 0.05% / 0.05% APY applies
Balance: $2,500,000.00 and over; Valid with $100,000.00 of Money Not Already on Deposit Required to Enter this Product; Rates current as of June 2, 2026
Balance: $25,000 or more; Rate for new savings customers only; requires $25,000 within 30 days; Bay Area CA counties only
Balance: $1,000,000.00 - $2,499,999.99; Valid with $100,000.00 of Money Not Already on Deposit Required to Enter this Product; Rates current as of June 2, 2026
Balance: $500,000.00 - $999,999.99; Valid with $100,000.00 of Money Not Already on Deposit Required to Enter this Product; Rates current as of June 2, 2026
Qualifications Required; Balance: $0.00 - $50,000.00; 0.05% APY paid on balances above $50,000; Bundled with Summit or Replenish Checking; $2,000 lender credit for first-time homebuyers; Rates effective as of September 28, 2026
Balance: $0.01 - $15,000.00; Bundled with Tether Checking; electronic statements required; bonus dividends require a monthly transfer of $50.00 or more from Tether Checking; balances above $15,000.00 earn the standard dividend rate
Qualifications Required; Balance: 0 - $50,000; Qualifying balance up to $50,000
Qualifications Required; Balance: Balances up to $10,000; Qualifying for Peak Rewards Checking automatically qualifies for the highest Peak Rewards Savings rate
Qualifications Required; Qualifying balance up to $20,000.00
Qualifications Required; Balance: $0-$100,000
Balance: $250,000.00 - $499,999.99; Valid with $100,000.00 of Money Not Already on Deposit Required to Enter this Product; Rates current as of June 2, 2026
Qualifications Required; Balance: 0 - $100,000; Qualifying balance up to $100,000.00; Rate applies when linked Kasasa Cash qualifications are met
Balance: $100,000.00 - $249,999.99; Valid with $100,000.00 of Money Not Already on Deposit Required to Enter this Product; Rates current as of June 2, 2026
Balance: Above $25,000
Qualifying balance up to $100,000.00; Required to earn dividends; Qualifications apply
Balance: ADB Under $10,000
Balance: $2,500 - $19,999
Balance: up to $10,000
No minimum balance required; Effective date September 23, 2026
Balance: $5,000-$25,000
Minimum balance required to earn APY: $100.00
Minimum balance required to avoid monthly maintenance fees; Interest Rate Effective Date: September 23, 2026
Balance: $0-4,999
Balance: $20,000.00 and over
Balance: $0 - $5,000; Maximum Balance $5,000; Matures October 1
- Oct 23, 20261.25%▲ from 1.01%
- Oct 8, 20261.01%first recorded
Dividend rate declared December 31, 2025; must maintain a minimum daily balance of $5 to earn dividends
Interest Rate and APY shown in rate sheet; Minimum Opening Deposit: $10
Balance: $0 - $5,000; Matures June 1; Maximum Balance $5,000
Balance: $0 - $19,999.99
Minimum balance $100 to avoid monthly maintenance fees; Effective date September 23, 2026
APY effective 11/2/24
APY effective 11/2/24
Qualifications Required; Qualifying balance up to $10,000.00; Base rate 0.05% APY if qualifications are not met
Qualifications Required; Balance: $0 - $25,000
Balance: >$250,000.00; Requires $5000 minimum balance
Balance: $25 and above
Minimum daily balance to obtain APY: $50; The interest rate and annual percentage yield may change after account opening
Balance: $100,000.00-$249,999.99; Requires $5000 minimum balance
Balance: $75,000-$99,999.00; Requires $5000 minimum balance
Balance: $50,000-$74,999.99; Requires $5000 minimum balance
Balance: $5,000-$24,999.99; Requires $5000 minimum balance
Balance: $0.01; Online Only; Variable rate account
Balance: $5,000 and over; ^$mart Cents accounts are for our 18 and under customers
- Sep 24, 20260.50%▲ from 0.45%
- Sep 9, 20260.45%first recorded
- Sep 24, 20260.50%▲ from 0.45%
- Sep 9, 20260.45%first recorded
Balance: $2,500 and over
- Sep 24, 20260.50%▲ from 0.45%
- Sep 9, 20260.45%first recorded
- Sep 24, 20260.50%▲ from 0.45%
- Sep 9, 20260.45%first recorded
- Sep 24, 20260.50%▲ from 0.45%
- Sep 9, 20260.45%first recorded
Balance: $6,001+
Balance: $100,000+
Dividend Rates effective 10/01/2026
- Oct 4, 20260.50%▲ from 0.35%
- Sep 25, 20260.35%first recorded
Balance: $0 - $2,499
Minimum daily balance to obtain APY: $1; The interest rate and annual percentage yield may change after account opening
Minimum daily balance to obtain APY: $50; The interest rate and annual percentage yield may change after account opening
Balance: $0.01 +; Interest compounded daily, credited quarterly
- Sep 24, 20260.25%▲ from 0.15%
- Sep 14, 20260.15%first recorded
Balance: $0.01 +; Interest compounded daily, credited quarterly
- Sep 24, 20260.25%▲ from 0.15%
- Sep 14, 20260.15%first recorded
Balance: $1 minimum daily balance to obtain APY; The interest rate and annual percentage yield may change after account opening
Balance: $0 or more; Relationship rate when linked to Premier Checking or Checking; Bay Area CA counties only
Interest Frequency: Quarterly; Early Withdrawal Penalty:
Balance: $0 or more; Relationship rate when linked to Prime Checking or Checking; Bay Area CA counties only
Balance: $0 or more; Avoid $12 monthly fee with $3,500 minimum daily balance; Bay Area CA counties only
Balance: $0 or more; Bay Area CA counties only
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.
Fort Peck, MT Savings Rate Trends
Compare local Fort Peck, MT savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Montana high-yield savings rates rose 0.026 points over the past 7 days to 2.047% APY, up from 2.021%.
Montana standard savings rates fell 0.042 points over the past 7 days to 0.553% APY, down from 0.595%.
Fort Peck, Montana Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current MT high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current MT high-yield savings average of 2.047% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Fort Peck, Montana.
Savings Account Earnings in Fort Peck, Montana
Annual interest earnings at current MT average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.047% APY) | Monthly Earnings | Standard Savings (0.553% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $102.34 / year | $8.53 | $27.63 / year | $2.30 |
| $10,000 | $204.68 / year | $17.06 | $55.27 / year | $4.61 |
| $25,000 | $511.70 / year | $42.64 | $138.17 / year | $11.51 |
| $50,000 | $1,023.40 / year | $85.28 | $276.35 / year | $23.03 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Fort Peck, Montana savings rate averages as of October 25, 2026. | ||||
About Our Fort Peck, Montana Savings Rate Database
MonitorBankRates found 1 institution with branches in Fort Peck, plus 30 additional state-chartered and national online institutions available to Fort Peck 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 to 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: Fort Peck Community Federal Credit Union offers a savings account at 0.50% APY. Use the rate table above to compare all current offers in Fort Peck, Montana.
How to Find the Best Savings Rates in Fort Peck, Montana
What to compare when shopping for a savings account in Fort Peck, Montana
To find the best savings APYs in Fort Peck, Montana, start with credit unions and online-only banks: Fort Peck, Montana has 18 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current MT high-yield savings average is 2.047% Use the table above to find the best available offer.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Fort Peck, Montana high-yield savings rates currently average 2.047% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Fort Peck, Montana institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 31 institutions in Fort Peck, Montana report savings rates to our database.
- You’re among Fort Peck, Montana’s 20.1% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Fort Peck, Montana CD rates
- You want check-writing flexibility Fort Peck, Montana money market rates
- You need daily transaction access Fort Peck, Montana checking rates
Montana Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau (state-level data shown; city data not available)
20.1% of residents are 65 or older, above the national average of 17.3%, making liquid, accessible savings accounts a particularly relevant option in this market; a low unemployment rate of 3.6% reflects a strong local economy with solid savings capacity. At today’s MT high-yield savings average of 2.047%, saving 10% of the local median salary ($4,071/year) would earn an additional $83 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Fort Peck, Montana Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Fort Peck, Montana.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current MT Avg APY | 2.047% | 0.553% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Fort Peck, Montana averages tracked in our database as of October 25, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Fort Peck, Montana
At MT’s top rate of 0.50% from Fort Peck Community Federal Credit Union, a $10,000 deposit earns $50 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Fort Peck, Montana earner is roughly $10,200. At 2.047% APY, saving $850/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsMontana’s high-yield savings average is 2.047% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Fort Peck, Montana earner makes $40,712/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.047% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.047% APY grows to roughly $37,491 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Fort Peck, Montana savings 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 Savings Rate Data: We aggregate savings account rates for Fort Peck, 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 savings 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 Fort Peck, Montana. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to large national institutions available to savers in MT.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Fort Peck, Montana
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Fort Peck, Montana safe?
How often do savings rates change in Fort Peck, Montana?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Fort Peck, Montana?
How do I open a savings account in Fort Peck, Montana?
Best Savings Rates in Fort Peck, Montana
- Fort Peck Community Federal Credit Union
Share Savings: 0.50% APY - Valley Financial Credit Union
Youth Savings: 5.12% APY - Daniels-Sheridan Federal Credit Union
Kasasa Saver Savings: 4.00% APY - US Bank
Bank Smartly Savings Account: 3.50% APY - The Bank of Commerce
$mart Cents savings: 3.50% APY
Fort Peck, Montana Rates & Resources
