Highest CD Rates in Montana
51 Montana-specific CD products
The Montana market
Montana accounts
51
Institutions
7
Top Montana APY
4.30% APY
Nationally: 5.00% APY
FDIC national average
1.73%
As of Sep 2026
51 CDs are open only to Montana residents, from 7 institutions. The highest advertised APY among them is 4.30%.
The highest nationally available rate is 5.00% APY, 70 basis points above the Montana leader.
41 of the 51 Montana CDs advertise more than the FDIC national average of 1.73% for 12-month CDs as of Sep 2026.
Montana-Specific CD Rates
CD rates specifically available to Montana residents. Business, youth and IRA CDs are not included.
| # | Institution & CD | Rate & Features | Minimum Deposit | Actions |
|---|---|---|---|---|
| #1 | 4.30%APY Observed: Oct 13, 2026 Branches: Yes | $5,000 | ||
| #2 | 4.10%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #3 | 4.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #4 | 3.82%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #5 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #6 | 3.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #7 | 3.64%APY Observed: Oct 3, 2026 | $1,000 | ||
| #8 | 3.64%APY Observed: Oct 3, 2026 | $1,000 | ||
| #9 | 3.64%APY Observed: Oct 3, 2026 | $1,000 | ||
| #10 | 3.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #11 | 3.40%APY Observed: Oct 7, 2026 Branches: Yes | $100 | ||
| #12 | 3.35%APY Observed: Oct 7, 2026 Branches: Yes | $100 | ||
| #13 | 3.22%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #14 | 3.15%APY Observed: Oct 7, 2026 Branches: Yes | $100 | ||
| #15 | 3.09%APY Observed: Oct 7, 2026 Branches: Yes | $1,000 | ||
| #16 | 3.09%APY Observed: Oct 7, 2026 Branches: Yes | $100 | ||
| #17 | 3.00%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #18 | 2.94%APY Observed: Oct 3, 2026 | $1,000 | ||
| #19 | 2.92%APY Observed: Oct 3, 2026 | $1,000 | ||
| #20 | 2.87%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #21 | 2.75%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #22 | 2.73%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #23 | 2.63%APY Observed: Oct 7, 2026 Branches: Yes | $100 | ||
| #24 | 2.57%APY Observed: Oct 7, 2026 Branches: Yes | $100 | ||
| #25 | 2.52%APY Observed: Oct 7, 2026 Branches: Yes | $100 | ||
| #26 | 2.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #27 | 2.37%APY Observed: Oct 7, 2026 Branches: Yes | $100 | ||
| #28 | 2.37%APY Observed: Oct 7, 2026 Branches: Yes | $100 | ||
| #29 | 2.21%APY Observed: Oct 7, 2026 Branches: Yes | $100 | ||
| #30 | 2.12%APY Observed: Oct 7, 2026 Branches: Yes | $100 | ||
| #31 | 2.11%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #32 | 2.07%APY Observed: Oct 7, 2026 Branches: Yes | $100 | ||
| #33 | 2.07%APY Observed: Oct 7, 2026 Branches: Yes | $100 | ||
| #34 | 2.05%APY Observed: Oct 7, 2026 Branches: Yes | $100 | ||
| #35 | 2.02%APY Observed: Oct 3, 2026 | $1,000 | ||
| #36 | 2.02%APY Observed: Oct 3, 2026 | $1,000 | ||
| #37 | 2.01%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #38 | 1.96%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #39 | 1.86%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #40 | 1.81%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #41 | 1.76%APY Observed: Oct 3, 2026 | $1,000 | ||
| #42 | 1.65%APY Observed: Oct 7, 2026 Branches: Yes | $100 | ||
| #43 | 1.50%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #44 | 1.35%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #45 | 1.27%APY Observed: Oct 3, 2026 | $1,000 | ||
| #46 | 1.25%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #47 | 1.10%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #48 | 0.85%APY Observed: Oct 7, 2026 Branches: Yes | $500 | ||
| #49 | 0.50%APY Observed: Oct 3, 2026 | $100,000 | ||
| #50 | 0.40%APY Observed: Oct 3, 2026 | $1,000 |
$5,000
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$1,000
N/A
$1,000
N/A
$1,000
N/A
$500
Yes
$100
Yes
$100
Yes
$1,000
Yes
$100
Yes
$1,000
Yes
$100
Yes
$500
Yes
$1,000
N/A
$1,000
N/A
$500
Yes
$500
Yes
$500
Yes
$100
Yes
$100
Yes
$100
Yes
$500
Yes
$100
Yes
$100
Yes
$100
Yes
$100
Yes
$500
Yes
$100
Yes
$100
Yes
$100
Yes
$1,000
N/A
$1,000
N/A
$500
Yes
$500
Yes
$500
Yes
$500
Yes
$1,000
N/A
$100
Yes
$500
Yes
$500
Yes
$1,000
N/A
$500
Yes
$500
Yes
$500
Yes
$100,000
N/A
$1,000
N/A
Nationally Available CD Rates
The 8 highest CD rates available nationwide, including in Montana.
| Institution | Product / Term | APY |
|---|---|---|
| Popular Direct | 60 Months60 months | 5.00% |
| Popular Direct | 48 Months48 months | 4.95% |
| Popular Direct | 36 Months36 months | 4.85% |
| E*TRADE from Morgan Stanley | 12-Month Certificates of Deposit12 months | 4.75% |
| Bread Savings | 18-Month CD18 months | 4.75% |
| Barclays | 24-Month CD24 months | 4.75% |
| Barclays | 60-Month CD60 months | 4.75% |
| Popular Direct | 24 Months24 months | 4.70% |