Compare Savings Rates in Montana – March 2026Current Montana Savings Rates and MMA RatesThe Bank of Commerce is offering a $mart Cents savings in Montana with an APY of 3.50%. For those in Montana, Sky Federal Credit Union lists a Managed Liquidity Money Market at 3.50%. Current rates from Altana Federal Credit Union include a ACE Money Market at 3.20% APY. For those in Montana, Sky Federal Credit Union lists a Managed Liquidity Money Market at 3.00%. Find the best savings and money market rates in Montana today. Our real-time rate table below compares offers from top lenders to help you grow your savings. Whether you are looking for a traditional savings account or a high-yield option in MT, comparing APYs is the best way to maximize your interest earnings. The following rates reflect recent market quotes and representative offers available to Montana depositors. Actual savings rates may vary by financial institution and market conditions.
Last Updated and Verified: March 5, 2026
Savings Rates in Montana and Area
Rates shown are recent market averages and representative quotes. Actual rates may vary.
Last Updated and Verified: March 5, 2026
Best Montana and Area Savings Rates & Money Market RatesBank / Credit Union
Product
APY
Min Deposit
The Bank of Commerce Dillon, MT
$mart Cents savings
3.50%
$0
▼
Rate 3.50%
Min Deposit $0
Last Updated 03/05/2026
Details
$0 - $5,000
Sky Federal Credit Union Livingston, MT
Managed Liquidity Money Market
3.50%
$0
▼
Rate 3.50%
Min Deposit $0
Last Updated 03/05/2026
Details
Altana Federal Credit Union Sunburst, MT
ACE Money Market
3.20%
$0
▼
Rate 3.20%
Min Deposit $0
Last Updated 03/05/2026
Details
$250,000+
Sky Federal Credit Union Livingston, MT
Managed Liquidity Money Market
3.00%
$0
▼
Rate 3.00%
Min Deposit $0
Last Updated 03/05/2026
Details
Montana Federal Credit Union Great Falls, MT
Peak Rewards Savings
3.00%
$0
▼
Rate 3.00%
Min Deposit $0
Last Updated 03/05/2026
Details
Balances up to $10,000
Peoples Bank of Deer Lodge Deer Lodge, MT
Money Market
2.89%
$100
▼
Rate 2.89%
Min Deposit $100
Last Updated 03/05/2026
Details
$149,999.01+
Altana Federal Credit Union Sunburst, MT
Max Money Market
2.70%
$0
▼
Rate 2.70%
Min Deposit $0
Last Updated 03/05/2026
Details
$100,000 - $249,999.99
Altana Federal Credit Union Sunburst, MT
Sam Money Market
2.70%
$0
▼
Rate 2.70%
Min Deposit $0
Last Updated 03/05/2026
Details
$100,000+
Pioneer Federal S&L Dillon, MT
Money Market Savings
2.57%
$0
▼
Rate 2.57%
Min Deposit $0
Last Updated 03/05/2026
Details
Peoples Bank of Deer Lodge Deer Lodge, MT
Money Market
2.53%
$100
▼
Rate 2.53%
Min Deposit $100
Last Updated 03/05/2026
Details
$99,999.01 - $149,999
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. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here. Methodology & Data SourcesDirect-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Montana directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions' own digital properties and manually verifying the yields daily, we ensure that every savings rate displayed on savingsaccount.monitorbankrates.com is highly accurate and trustworthy. Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Montana. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized savings rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield savings accounts from large national institutions available to savers in MT. Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly based on market conditions, every single savings product listed on our platform features its own specific "last updated" date. This gives you absolute transparency into exactly when that specific yield was confirmed.
Disclaimer: Savings rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions in Montana.
It is always advisable to check with the specific financial institution's official website for the most current offers and terms.
Last Updated and Verified: March 5, 2026
How to Find the Best Savings Account in Montana
Frequently Asked Questions for Montana
What are the current savings rates in Montana and the surrounding area ▼
Below is a list of current savings and money market rates available for Montana. We track lenders daily to provide the most up-to-date APY and term information.
Lender / Product APY Min Dep The Bank of Commerce
$mart Cents savings
3.50%
$0
Sky Federal Credit Union
Managed Liquidity Money Market
3.50%
$0
Altana Federal Credit Union
ACE Money Market
3.20%
$0
Sky Federal Credit Union
Managed Liquidity Money Market
3.00%
$0
Montana Federal Credit Union
Peak Rewards Savings
3.00%
$0
Lender / Product APY Min Dep Peoples Bank of Deer Lodge
Money Market
2.89%
$100
Altana Federal Credit Union
Max Money Market
2.70%
$0
Altana Federal Credit Union
Sam Money Market
2.70%
$0
Pioneer Federal S&L
Money Market Savings
2.57%
$0
Peoples Bank of Deer Lodge
Money Market
2.53%
$100
Last Updated and Verified: March 5, 2026
What is a High-Yield Savings Account? ▼
A high-yield savings account is a type of savings account that pays a significantly higher interest rate (APY) than standard savings accounts. These are often offered by online banks that have lower overhead costs than traditional brick-and-mortar banks.
Are online savings accounts safe? ▼
Yes, as long as the online bank is FDIC insured. This provides the same level of protection (up to $250,000 per depositor) as a traditional bank. Always check for the FDIC logo on the bank's website.
Can I withdraw money from a savings account anytime? ▼
Yes, but there are limits. Federal Regulation D used to limit certain withdrawals to 6 per month, though this has been suspended. However, individual banks may still enforce transaction limits or charge fees for excessive withdrawals.
Do savings rates change? ▼
Yes, savings rates are variable and can change at any time based on the Federal Reserve's benchmark interest rates and market conditions. Unlike a CD (Certificate of Deposit), your savings rate is not locked in.
Cities in MontanaAbsarokee
Acton
Alberton
Alder
Alzada
Anaconda
Angela
Antelope
Arlee
Ashland
Augusta
Avon
Babb
Bainville
Baker
Ballantine
Basin
Bearcreek
Belfry
Belgrade
Belt
Biddle
Big Arm
Big Sandy
Big Sky
Big Timber
Bigfork
Bighorn
Billings
Birney
Black Eagle
Bloomfield
Bonner
Boulder
Box Elder
Boyd
Boyes
Bozeman
Brady
Bridger
Broadus
Broadview
Brockton
Brockway
Browning
Brusett
Buffalo
Busby
Butte
Bynum
Cameron
Canyon Creek
Capitol
Cardwell
Carter
Cascade
Charlo
Chester
Chinook
Choteau
Circle
Clancy
Clinton
Clyde Park
Coffee Creek
Cohagen
Colstrip
Columbia Falls
Columbus
Condon
Conner
Conrad
Cooke City
Coram
Corvallis
Crane
Crow Agency
Culbertson
Custer
Cut Bank
Dagmar
Darby
Dayton
De Borgia
Decker
Deer Lodge
Dell
Denton
Dillon
Divide
Dixon
Dodson
Drummond
Dupuyer
Dutton
East Glacier Park
East Helena
Edgar
Ekalaka
Elliston
Elmo
Emigrant
Ennis
Essex
Ethridge
Eureka
Fairfield
Fairview
Fallon
Fishtail
Flaxville
Florence
Floweree
Forestgrove
Forsyth
Fort Benton
Fort Harrison
Fort Peck
Fort Shaw
Fortine
Four Corners
Frazer
Frenchtown
Froid
Fromberg
Galata
Gallatin Gateway
Gardiner
Garneill
Garrison
Garryowen
Geraldine
Geyser
Gildford
Glasgow
Glen
Glendive
Glentana
Gold Creek
Grantsdale
Grass Range
Great Falls
Greenough
Greycliff
Hall
Hamilton
Hammond
Hardin
Harlem
Harlowton
Harrison
Hathaway
Haugan
Havre
Hays
Heart Butte
Helena
Helmville
Heron
Highwood
Hilger
Hingham
Hinsdale
Hobson
Hogeland
Homestead
Hot Springs
Hungry Horse
Huntley
Huson
Hysham
Ingomar
Inverness
Ismay
Jackson
Jefferson City
Joliet
Joplin
Jordan
Judith Gap
Kalispell
Kevin
Kila
Kinsey
Kremlin
Lake McDonald
Lakeside
Lambert
Lame Deer
Larslan
Laurel
Lavina
Ledger
Lewistown
Libby
Lima
Lincoln
Lindsay
Livingston
Lloyd
Lodge Grass
Lolo
Loma
Lonepine
Loring
Lothair
Malmstrom A F B
Malta
Manhattan
Marion
Martin City
Martinsdale
Marysville
McAllister
McCabe
McLeod
Medicine Lake
Melrose
Melstone
Melville
Mildred
Miles City
Milltown
Missoula
Moccasin
Molt
Monarch
Moore
Mosby
Musselshell
Nashua
Neihart
Norris
Noxon
Nye
Oilmont
Olive
Olney
Opheim
Otter
Outlook
Ovando
Pablo
Paradise
Park City
Peerless
Pendroy
Philipsburg
Pinesdale
Plains
Plentywood
Plevna
Polaris
Polebridge
Polson
Pompeys Pillar
Pony
Poplar
Powderville
Power
Pray
Proctor
Pryor
Radersburg
Ramsay
Rapelje
Ravalli
Raymond
Raynesford
Red Lodge
Redstone
Reed Point
Reserve
Rexford
Richey
Richland
Ringling
Roberts
Rollins
Ronan
Roscoe
Rosebud
Roundup
Roy
Rudyard
Ryegate
Saco
Saint Ignatius
Saint Marie
Saint Regis
Saint Xavier
Saltese
Sand Coulee
Sand Springs
Sanders
Santa Rita
Savage
Scobey
Seeley Lake
Shawmut
Shelby
Shepherd
Sheridan
Sidney
Silver Gate
Silver Star
Simms
Somers
Sonnette
Springdale
Stanford
Stevensville
Stockett
Stryker
Sula
Sumatra
Sun River
Sunburst
Superior
Sweet Grass
Teigen
Terry
Thompson Falls
Three Forks
Toston
Townsend
Trego
Trout Creek
Troy
Turner
Twin Bridges
Two Dot
Ulm
Valier
Vandalia
Vaughn
Victor
Vida
Virginia City
Volborg
Warm Springs
West Glacier
West Yellowstone
Westby
White Sulphur Springs
Whitefish
Whitehall
Whitetail
Whitewater
Whitlash
Wibaux
Willard
Willow Creek
Wilsall
Winifred
Winnett
Winston
Wisdom
Wise River
Wolf Creek
Wolf Point
Worden
Wyola
Yellowtail
Zortman
Zurich
|