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Montana Banking Rates and News

Browse through the stories below to view current deals for Montana banks or select an item from the menu bar above to view current rates in Montana.

American Federal Savings Bank Limited Time 50-Month CD Special - 2.02%
American Federal Savings Bank

American Federal Savings Bank (Montana) recently added a 50-month Certificate Special (2.02 APY), but this Certificate Special has a short life, with the offering expiring on August 26, 2014. The minimum deposit to open is $1K, with interest compounded daily on every account dollar, including the minimum balance requirement.

The Early Withdrawal Penalty (EWP) is six months of interest, and if the account is closed within the first 90 days, there is an additional penalty. According to a helpful CSR, there is a medical emergency exception concerning EWP...

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More States Eligible for Frontier Bank’s Top Reward Checking Account
Frontier Bank (IA)

Last year when I first reported on the reward checking account at Frontier Bank, the online application allowed residents of three states to apply. Its online application now allows residents of 12 midwestern states to apply. This gives many more people access to a very competitive reward checking account. The reward checking is under the Kasasa brand, and it’s called Kasasa Cash. As of 3/18/2014, the account has a 3.05% APY on balances up to $20K if typical reward checking monthly requirements are met. There’s also a Kasasa Saver account...

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Top 5-Year CD Rate at Horizon Credit Union in WA, ID and MT
Horizon CU (WA)

Horizon Credit Union increased its 5-year CD yield this week to 2.22%. Minimum deposit is $1,000. The credit union also has a special 35-month CD with a 1.51% APY, but this requires a $10K minimum deposit along with a checking account and direct deposit. Its other CD rates are much lower. These rates are listed in the credit union’s certificates rates page as of 9/13/2013.

I last reported on this credit union in August when it was offering a hot 18-month CD special. That special has ended. While this CD special...

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Hot 18-Month CD Special at Horizon Credit Union in WA, ID and MT - 1.11%
Horizon CU (WA)

There is competition for your money in the Spokane area of Washington State. Yesterday, I reported on the CD special at Numerica Credit Union. Today I came across an even better CD special at Horizon Credit Union. It’s an 18-month CD with a 2.02% APY. Minimum deposit is $10,000, and new money is required. The offer is scheduled to end on August 30. This CD special is listed in the credit union’s certificates rates page as of 8/9/2013.

Credit union membership is open to residents of Washington State, parts of northern...

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Top 1-Year CD Rate at Doral Bank Direct
Doral Bank

Every now and then Doral Bank Direct offers competitive CD rates. Its latest deal is a 1-year CD with a 1.40% APY. Minimum deposit is $1,000. This is the only rate that's competitive. All the other CD rates are low. These rates are listed in the bank's CD page as of 3/29/2011.

My last report on this bank was about a year ago when they were offering a 1-year CD special. One odd thing is their requirement to close out a CD. You have to send them the original Certificate that...

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2.59% 10-Month CD at Altana FCU in Montana - Local Only
Update 11/26/09: The 21-month CD special rate has fallen to 2.10% APY. Please check the credit union's website for the latest rates.

Altana Federal Credit Union is offering a hot CD special with a 2.59% APY and a 10-month term. Minimum deposit is $500. The special is listed at the top of the credit union's certificates rate table as of 8/19/09.

Membership is open to those who live, work, worship or attend school in the Montana counties of Yellowstone, Carbon, Stillwater, Sweet Grass, Wheatland, Golden Valley and Musselshell. Please refer to the...

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2.51% 13-Month CD with a Limited Add-On Feature at Choice Financial - Nationally Available
Update 7/24/09: The RateBuilder CD rate has fallen to 2.21% APY.

Choice Financial continues to offer a very competitive 13-month CD as part of its RateBuilder Accounts. When I first posted on Choice Financial in May, they were offering hot deals on both the savings account and this CD. In less than a week after the post, they made substantial rate cuts. The CD rate fell from 3.01% to 2.51% APY. As of 7/13/09, the CD rate is still 2.51% APY which is now a very competitive rate for a 13-month...

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High Yield Savings Account and CD at Choice Financial - Nationally Available
Update 7/24/09: Rates have dropped. Rate Builder Savings: 2.26% APY 30-day intro, 1.26% APY $5K-$25K, 1.51% APY $25K-$100K, 1.76% APY $100K+. Rate Builder 13-mo CD: 2.21% APY.

Update 5/12/09: Rates have dropped. Rate Builder Savings: 2.76% APY 30-day intro, 1.76% APY $5K-$25K, 2.01% APY $25K-$100K, 2.26% APY $100K+. Rate Builder 13-mo CD: 2.51% APY. Rates are from disclosure.

Choice Financial has two attractive deposit account deals: a savings account with a rate of up to 3.26% APY and a 13-month CD with a rate of 3.01% APY. The bank calls these their...

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4.01% Reward Checking Account at Treasure State Bank in Montana
Treasure State Bank is offering a reward checking account with the following rates and features if certain monthly requirements are met:
  • 4.01% APY on balances up to $50,000
  • 1.01% APY on balances over $50,000
  • 0.10% base rate if qualifications are not met
  • Refund of ATM fees nationwide without limits
The monthly requirements include:
  • 10 Visa debit card purchases
  • One direct deposit or ACH debit
  • Receive e-statements
Additional features of the account regardless of the monthly requirements include:
  • $100 minimum initial deposit
  • No minimum balance requirement
  • No monthly service charge
  • Multiple accounts are allowed, but requirements must be met for each account
There's an online...

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$101 Checking Account Bonus at Sterling Savings Bank on the West Coast
Sterling Savings Bank is advertising a checking account promotion in which you can earn $101 for opening a checking account and enrolling in 3 of 4 of the following within 90 days of account opening:
  • Bill Pay
  • Online Statements
  • minimum of 1 incoming Direct Deposit or ACH credit
  • use your Check Card a minimum of 3 times (can be ATM, PIN-based or signature-based transactions)
Some other important details mentioned in the small print include:
  • New accounts will be reviewed three full calendar months after account opening and the $101 will be credited to your checking account...

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4.15% 24-Month CD at a WA/ID/MT/OR Bank (Golf Savings)
Golf Savings Bank
Update 6/14/08: The rates have gone up! The new 24-month CD yield is 4.15% APY. The title has been modified to reflect this change.

Golf Savings Bank has some competitive rates on its certificates of deposit. Its 2-year CD is the most competitive with a yield of 4.05% APY. The longer term CDs also have decent yields: 4.25% APY 3-year CD, 4.30% APY 4-year CD and 4.50% APY 5-year CD. The minimum deposit is $10,000.

It appears a branch visit is required. Branches are located in Washington State, Idaho, Montana and Oregon....

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4.01% Reward Checking Account at a Montana Bank (Rocky Mountain)
Update 3/31/09: The top yield has fallen to 4.01% APY. Refer to the bottom of the post for the rate history.

Rocky Mountain Bank has a reward checking account that pays 4.01% APY on balances up to $20,000 (1.01% for above) and refunds ATM fees (up to $20 per cycle) if the following monthly requirements are met: 1) 15 signature-based Visa Debit Card purchases, 2) one direct deposit, and 3) receive electronic statements. If these are not met, the rate falls to 0.25%. The minimum opening deposit is $25. There are...

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