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Intrepid Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.intrepidcu.org
406-443-5400
915 Kessler St
Helena, MT 59601

Intrepid Credit Union is headquartered in Helena and is the 8th largest credit union in the state of Montana. It is also the 1,032nd largest credit union in the nation. It was established in 1936 and as of March of 2025, it had grown to 74 employees and 20,505 members at 7 locations. Intrepid Credit Union's CD rates are 4X the national average, and it has an A health rating.

Field of Membership Restrictions

Intrepid Credit Union is open to those who live, work, or worship in the Montana counties of Beaverhead, Broadwater, Cascade, Deer Lodge, Flathead, Gallatin, Granite, Jefferson, Lake, Lewis and Clark, Madison, Missoula, Park, Powell, Ravalli, Silver Bow, Stillwater, Sweetgrass, or Yellowstone. Active military members or veterans who either live or are stationed in Montana also qualify for membership. Immediate family members of a current Intrepid Credit Union member are eligible to join.
See current membership details

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Health
A

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68495
Year Chartered1936
Employees74
Primary Regulator
Profit Margin
Return on Assets - YTD0.29%
Return on Equity - YTD2.69%
Annual Interest Income$3.8MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$304.3MM$314.6MM
LoansQ1 2025vs Q1 2024$226.6MM$244.7MM
DepositsQ1 2025vs Q1 2024$260.2MM$265.7MM
Equity CapitalQ1 2025vs Q1 2024$32.3MM$32.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.1MM$1.1MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$295K$520K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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Always verify rates and promotions with the bank or credit union. We are not Intrepid Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Intrepid Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$0$25kKasasa Saver
OTHER TIERS: 0.03% → $25k+
0.05%$100-Share Savings Account

Intrepid Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.70%*$250k*-Premium Plus Money Market
OTHER TIERS: 0.70% → $0 - $25k | 1.06% → $25k - $50k | 1.55% → $50k - $100k | 1.65% → $100k - $250k
1.60%*$100k*-Money Market
OTHER TIERS: 0.50% → $0 - $10k | 0.76% → $10k - $20k | 1.01% → $20k - $40k | 1.26% → $40k - $50k | 1.50% → $50k - $100k

Intrepid Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$0$15kKasasa Cash Checking
OTHER TIERS: 0.25% → $15k+
0.50%*$500*-Business Checking
OTHER TIERS: 0.05% → $0 - $500

Intrepid Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$100-Student Certificate
3.75%$1k-90 Day Share Certificate
3.55%$1k-6 Month Share Certificate
3.50%$1k-12 Month Share Certificate
3.50%$1k-15 Month Share Certificate Special
3.50%$1k-10 Month Member's Choice CD Special
3.50%$1k-11 Month Member's Choice CD Special
3.40%$1k-24 Month Share Certificate
3.40%$1k-19 Month Share Certificate Special
3.30%$1k-30 Month Share Certificate Special
3.30%$0-36 Month - No Bump Share Certificate
3.30%$0-48 Month - No Bump Share Certificate
3.30%$0-60 Month - No Bump Share Certificate

Intrepid Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.50%$1k-12 Month IRA
3.40%$1k-24 Month IRA
3.30%$1k-36 Month IRA
0.35%$25-IRA Accumulator
Locations


Intrepid Credit Union Locations
Branch Office3150 N Sanders StHelena, MT 59602-0255
Branch Office915 Kessler StHelena, MT 59601
Branch Office1930 Prospect AveHelena, MT 59601
Branch Office424 E Main St Ste 102BBozeman, MT 59715-4756
Branch Office1131 N 27th StBillings, MT 59101-0121
Branch Office2526 Shiloh RdBillings, MT 59106
Corporate Office50 W 14th StHelena, MT 59601-3443

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