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Compare Savings Rates in Montana – March 2026

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Current Montana Savings Rates and MMA Rates

The 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

  • $mart Cents savings:
    3.50%
  • Managed Liquidity Money Market:
    3.50%
  • ACE Money Market:
    3.20%
  • Managed Liquidity Money Market:
    3.00%
  • Peak Rewards Savings:
    3.00%

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 Rates

Bank / 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

Sky Federal Credit Union Livingston, MT
Managed Liquidity Money Market
2.50%
$0
Rate 2.50%
Min Deposit $0
Last Updated 03/05/2026
Details

Altana Federal Credit Union Sunburst, MT
Sam Money Market
2.50%
$0
Rate 2.50%
Min Deposit $0
Last Updated 03/05/2026
Details $75,000 - $99,999.99

Sky Federal Credit Union Livingston, MT
Sky High Money Market
2.50%
$0
Rate 2.50%
Min Deposit $0
Last Updated 03/05/2026
Details $250,000+

Altana Federal Credit Union Sunburst, MT
Sam Money Market
2.25%
$0
Rate 2.25%
Min Deposit $0
Last Updated 03/05/2026
Details $50,000 - $74,999.99

Altana Federal Credit Union Sunburst, MT
Metro Savings
2.15%
$0
Rate 2.15%
Min Deposit $0
Last Updated 03/05/2026
Details ADB Under $10,000

Altana Federal Credit Union Sunburst, MT
Wealth Builder Plus Savings Account
2.15%
$0
Rate 2.15%
Min Deposit $0
Last Updated 03/05/2026
Details $2,500 - $19,999

Altana Federal Credit Union Sunburst, MT
Wealth Builder Savings Account
2.15%
$0
Rate 2.15%
Min Deposit $0
Last Updated 03/05/2026
Details up to $10,000

Pioneer Federal S&L Dillon, MT
Money Market Savings
2.05%
$0
Rate 2.05%
Min Deposit $0
Last Updated 03/05/2026
Details

Peoples Bank of Deer Lodge Deer Lodge, MT
Money Market
2.02%
$100
Rate 2.02%
Min Deposit $100
Last Updated 03/05/2026
Details $74,999.01 - $99,999

The Bank of Commerce Dillon, MT
Money Market account
2.02%
$0
Rate 2.02%
Min Deposit $0
Last Updated 03/05/2026
Details

Sky Federal Credit Union Livingston, MT
Managed Liquidity Money Market
2.00%
$0
Rate 2.00%
Min Deposit $0
Last Updated 03/05/2026
Details

Sky Federal Credit Union Livingston, MT
Premier Money Market
2.00%
$0
Rate 2.00%
Min Deposit $0
Last Updated 03/05/2026
Details

Altana Federal Credit Union Sunburst, MT
Sam Money Market
2.00%
$0
Rate 2.00%
Min Deposit $0
Last Updated 03/05/2026
Details $25,000 - $49,999.99

Sky Federal Credit Union Livingston, MT
Sky High Money Market
2.00%
$0
Rate 2.00%
Min Deposit $0
Last Updated 03/05/2026
Details $100,000 - $249,999

Peoples Bank of Deer Lodge Deer Lodge, MT
Money Market
1.97%
$100
Rate 1.97%
Min Deposit $100
Last Updated 03/05/2026
Details $24,999.01 - $74,999

Peoples Bank of Deer Lodge Deer Lodge, MT
Money Market
1.86%
$100
Rate 1.86%
Min Deposit $100
Last Updated 03/05/2026
Details $0.01 - $24,999

Sky Federal Credit Union Livingston, MT
Managed Liquidity Money Market
1.75%
$0
Rate 1.75%
Min Deposit $0
Last Updated 03/05/2026
Details

Sky Federal Credit Union Livingston, MT
Premier Money Market
1.75%
$0
Rate 1.75%
Min Deposit $0
Last Updated 03/05/2026
Details

Madison Valley Bank West Yellowstone, MT
Health Savings
1.51%
$100
Rate 1.51%
Min Deposit $100
Last Updated 03/05/2026
Details

Vocal Credit Union White Sulphur Springs, MT
MONEY MARKET
1.51%
$0
Rate 1.51%
Min Deposit $0
Last Updated 03/05/2026
Details

Peoples Bank of Deer Lodge Deer Lodge, MT
Savings
1.51%
$100
Rate 1.51%
Min Deposit $100
Last Updated 03/05/2026
Details

Southwest Montana Community Federal Credit Union Whitehall, MT
Money Market
1.50%
$0
Rate 1.50%
Min Deposit $0
Last Updated 03/05/2026
Details $50,000 - $99,999

Intrepid Credit Union Helena, MT
Money Market
1.50%
$0
Rate 1.50%
Min Deposit $0
Last Updated 03/05/2026
Details

Sky Federal Credit Union Livingston, MT
Premier Money Market
1.50%
$0
Rate 1.50%
Min Deposit $0
Last Updated 03/05/2026
Details

Intrepid Credit Union Helena, MT
Premium Plus Money Market
1.50%
$0
Rate 1.50%
Min Deposit $0
Last Updated 03/05/2026
Details Earns 1.50% APY on balances $100,000.00 - 249,999.99

Sky Federal Credit Union Livingston, MT
Sky High Money Market
1.50%
$0
Rate 1.50%
Min Deposit $0
Last Updated 03/05/2026
Details $50,000 - $99,999

Intrepid Credit Union Helena, MT
Premium Plus Money Market
1.45%
$0
Rate 1.45%
Min Deposit $0
Last Updated 03/05/2026
Details Earns 1.45% APY on balances $50,000.00 - $99,999.99

Intrepid Credit Union Helena, MT
Money Market
1.40%
$0
Rate 1.40%
Min Deposit $0
Last Updated 03/05/2026
Details

Lincoln County Credit Union TROY, MT
Money Market Share Draft Account
1.30%
$0
Rate 1.30%
Min Deposit $0
Last Updated 03/05/2026
Details Earns 1.30% APY on balances $0.00 - $20,000.00; 1.35% interest on $20,000.01 - $100,000.00; 1.40% interest on $100,000.01 and over

Pioneer Federal S&L Dillon, MT
Money Market Savings
1.28%
$0
Rate 1.28%
Min Deposit $0
Last Updated 03/05/2026
Details

Montana Educators Credit Union Missoula, MT
Money Market Account
1.25%
$0
Rate 1.25%
Min Deposit $0
Last Updated 03/05/2026
Details

Sky Federal Credit Union Livingston, MT
Premier Money Market
1.25%
$0
Rate 1.25%
Min Deposit $0
Last Updated 03/05/2026
Details

Sky Federal Credit Union Livingston, MT
Sky High Money Market
1.25%
$0
Rate 1.25%
Min Deposit $0
Last Updated 03/05/2026
Details $25,000 - $49,999

Intrepid Credit Union Helena, MT
Money Market
1.15%
$0
Rate 1.15%
Min Deposit $0
Last Updated 03/05/2026
Details

Southwest Montana Community Federal Credit Union Whitehall, MT
Money Market
1.05%
$0
Rate 1.05%
Min Deposit $0
Last Updated 03/05/2026
Details $25,000 - $49,999

Sky Federal Credit Union Livingston, MT
Money Market
1.05%
$0
Rate 1.05%
Min Deposit $0
Last Updated 03/05/2026
Details

Rocky Mountain Credit Union Helena, MT
Premier Money Market
1.04%
$0
Rate 1.04%
Min Deposit $0
Last Updated 03/05/2026
Details 1.04% - 1.28% APY; Fees apply to any balance below $50,000

Vocal Credit Union White Sulphur Springs, MT
MONEY MARKET
1.01%
$0
Rate 1.01%
Min Deposit $0
Last Updated 03/05/2026
Details

The Bank of Commerce Dillon, MT
Money Market account
1.01%
$0
Rate 1.01%
Min Deposit $0
Last Updated 03/05/2026
Details up to $49,999.99

Montana Federal Credit Union Great Falls, MT
Christmas Club Savings
1.00%
$0
Rate 1.00%
Min Deposit $0
Last Updated 03/05/2026
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. 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 Sources

Direct-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

  1. Compare APY (Annual Percentage Yield) The APY determines how much interest you will earn in a year. Unlike simple interest, APY includes compound interest. Always look for the highest APY to maximize your earnings.
  2. Check Minimum Deposit Requirements Some high-yield savings accounts require a large initial deposit (e.g., $5,000 or $10,000) to earn the advertised rate. Ensure you can meet these minimums before applying.
  3. Review Monthly Fees Avoid accounts that charge monthly maintenance fees, as these can eat into your interest earnings. Many online banks and credit unions offer no-fee savings accounts.
  4. Verify FDIC or NCUA Insurance Ensure your money is safe. Banks should be FDIC insured, and Credit Unions should be NCUA insured. This protects your deposits up to $250,000 per depositor.

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 Montana

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
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