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Montana Savings Rate Trends

Medicine Lake, Montana (MT) Savings Rates - April 2026

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Brian McKay Brian McKay
Brian McKay

Brian McKay

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| i Editorial Disclosure
Editorial Disclosure The savings 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.
| ✓Fact Checked | Savings Rates Last Updated and Verified: April 14, 2026

The best savings rates for Medicine Lake, Montana and the surrounding area include Daniels-Sheridan Federal Credit UnionDaniels-Sheridan Federal Credit Union211 Main Street, Medicine Lake, MT 59247A+5.0 ★Texas Ratio: 1.56% IRA Savings Account at 2.53% APY, The Bank of CommerceThe Bank of CommerceA+5.0 ★Texas Ratio: 1.34% $mart Cents Savings at 3.44% APY, Horizon Credit UnionHorizon Credit UnionA+5.0 ★Texas Ratio: 1.53% Tether Shares* at 3.03% APY, Montana Federal Credit UnionMontana Federal Credit UnionA+5.0 ★Texas Ratio: 1.84% Peak Rewards Savings at 3.00% APY, and Pioneer Federal S&LPioneer Federal S&LA+5.0 ★Texas Ratio: 0.34% Money Market Savings at 2.57% APY.

Medicine Lake has 5 local institutions in our database, with savings rates as high as 2.53% APY from Daniels-Sheridan Federal Credit Union at 211 Main Street, Medicine Lake, MT 59247. 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.

Savings rates reflect recent market quotes and representative offers available to depositors in Medicine Lake, Montana and the surrounding area. Last Updated and Verified: April 14, 2026

Compare the Best Savings Rates in Medicine Lake, Montana & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Daniels-Sheridan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
211 Main Street, Medicine Lake, MT 59247
IRA Savings Account
2.53%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Daniels-Sheridan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
211 Main Street, Medicine Lake, MT 59247
Youth Savings
1.60%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Daniels-Sheridan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
211 Main Street, Medicine Lake, MT 59247
Primary Savings
1.60%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Daniels-Sheridan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
211 Main Street, Medicine Lake, MT 59247
Primary Savings
1.55%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Daniels-Sheridan Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
211 Main Street, Medicine Lake, MT 59247
Primary Savings
1.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
$mart Cents Savings
3.44%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Horizon Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
Tether Shares*
3.03%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Peak Rewards Savings
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Pioneer Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Money Market Savings
2.57%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
Wealth Builder Savings Account
2.15%
$0
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 14, 2026
Details

up to $10,000

Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
Metro Savings
2.15%
$0
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 14, 2026
Details

ADB Under $10,000

Altana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.84%
Wealth Builder Plus Savings Account
2.15%
$0
View
▼
Rate2.13%
Min Deposit$0
Min Balance—
UpdatedApr 14, 2026
Details

$2,500 - $19,999

Pioneer Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Money Market Savings
2.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Peoples Bank of Deer Lodge
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
Savings
1.51%
$100
View
▼
Rate1.50%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Pioneer Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Money Market Savings
1.28%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
IRA SHARES and over
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details

$20,000.00

Whitefish Credit Union Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
Savings
1.10%
$0
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details

Vocal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.34%
IRA SHARES
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 13, 2026
Details

$0 - $19,999.99

Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
Christmas Club Savings
1.00%
$0
View
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Montana Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.84%
IRA Savings
1.00%
$100
View
▼
Rate0.99%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Pioneer Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.34%
Savings
0.77%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Holiday Savings
0.75%
$50
View
▼
Rate0.75%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details

Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Health Savings
0.65%
$100
View
▼
Rate0.65%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
IRA Savings
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 14, 2026
Details

Qualifying balance up to $0.01

Rocky Mountain Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
HSA Savings
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 14, 2026
Details

Qualifying balance up to $0.01

Fort Peck Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.51%
Share Savings
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Computed on average daily balance, paid monthly

SEG Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.32%
Auxiliary Shares
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

$1000 min., $1500 to earn dividend

Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
Share Savings Account
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
Savings
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
Health Savings Account (HSA)
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
IRA Shares
0.50%
$100,000
View
▼
Rate0.50%
Min Deposit$100,000
Min Balance—
UpdatedApr 11, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
Borrow & Save Savings
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

The Bank of Commerce
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
Health Savings Account
0.45%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Roth IRA - Share Account
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
IRA Share
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Rimrock Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
Coverdell Education Savings
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.75%
IRA Share Accounts
0.35%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
Borrow & Save Savings
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Sky Federal Credit Union
Institution Rating:
B4.6 ★Texas Ratio: 20.02%
IRA Shares
0.25%
$25,000
View
▼
Rate0.25%
Min Deposit$25,000
Min Balance—
UpdatedApr 11, 2026
Details

Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Personal Savings
0.25%
$50
View
▼
Rate0.25%
Min Deposit$50
Min Balance—
UpdatedApr 11, 2026
Details

Madison Valley Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.13%
Montana Medical Savings
0.25%
$100
View
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedApr 11, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
Platinum Savings
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedApr 11, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

Flanagan State Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.36%
Regular Savings
0.05%
$50
View
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedApr 11, 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.

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.

Medicine Lake, MT Savings Rate Trends

Compare local Medicine Lake, 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.

View Full Montana Savings Trends →
High-Yield Savings — MT Avg
2.001%
▼ 0.007 vs 7 days ago

Montana high-yield savings rates fell 0.007 points over the past 7 days to 2.001% APY, down from 2.008%.

Standard Savings — MT Avg
0.532%
▲ 0.041 vs 7 days ago

Montana standard savings rates rose 0.041 points over the past 7 days to 0.532% APY, up from 0.491%.

As of Apr 14, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Medicine Lake, 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 Medicine Lake, 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 Medicine Lake, Montana

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Montana, help your money grow faster through a higher APY.

Are savings accounts in Medicine Lake, 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 savings rates change in Medicine Lake, Montana?

Savings 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.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Medicine Lake, Montana may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Medicine Lake, Montana?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Medicine Lake, Montana offer in-person customer service, which some customers prefer.

How do I open a savings account in Medicine Lake, Montana?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Medicine Lake, Montana

Here are recent savings rates observed in Medicine Lake, Montana and the surrounding area:
  • Daniels-Sheridan Federal Credit Union
    IRA Savings Account — 2.53% APY
  • The Bank of Commerce
    $mart Cents Savings — 3.44% APY
  • Horizon Credit Union
    Tether Shares* — 3.03% APY
  • Montana Federal Credit Union
    Peak Rewards Savings — 3.00% APY
  • Pioneer Federal S&L
    Money Market Savings — 2.57% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Medicine Lake, Montana. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 14, 2026

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