Rocky Mountain Credit Union (MT) Ups 60-Month CD


Deal Summary: Share Certificate – 60-month (3.50% APY), 48-month (3.25% APY), and 36-month (3.00% APY), $1k minimum deposit, unlimited additional deposits throughout the term.

Availability: Residents of eight southwest Montana counties; employees/members of more than 50 SEGs.

Rocky Mountain Credit Union (RMCU) recently raised the rates on its long-term Share Certificates, with the 60-month (3.50% APY) being the most competitive. Any RMCU Share Certificate can be opened with a minimum $1k opening deposit, with no stated balance cap.

4.19%$1k-Rocky Mountain Credit Union3 Year Certificate
4.19%$2k-Rocky Mountain Credit Union3 Year IRA Certificate (Traditional, Roth, CESA, SEP)
4.08%$1k-Rocky Mountain Credit Union4 Year Certificate
4.08%$2k-Rocky Mountain Credit Union4 Year IRA Certificate (Traditional, Roth, CESA, SEP)
4.08%$1k-Rocky Mountain Credit Union60 Month Certificate
4.08%$2k-Rocky Mountain Credit Union5 Year IRA Certificate (Traditional, Roth, CESA, SEP)
Rates as of February 27, 2024.

All Share Certificates are offered as IRAs (Traditional, Roth, SEP, CESA), earning the same APY, but requiring a $2k minimum deposit.

What really makes these Share Certificates/IRAs noteworthy is the ability to make unlimited additional deposits throughout the term. Let me say that again – unlimited additional deposits at any time during the entire term.

As stated in the Truth-in-Savings Disclosure, the Early Withdrawal Penalty reads as follows:

Terms of 36 to 47 months - 360 days’ dividends

Terms of 48 to 59 months - 540 days’ dividends

Terms of 60 months - 720 days’ dividends


Headquartered in Helena, Rocky Mountain Credit Union’s field of membership (FOM) is primarily residency based, with individuals who live, work, or worship in the Montana counties of Broadwater, Deer Lodge, Gallatin, Jefferson, Lewis and Clark, Park, Powell, and Silver Bow eligible for membership.

Montana State University alumni and State of Montana employees also qualify for membership, as do the employees of more than 50 SEGs.

Family members of current RMCU members are welcome to apply for membership.

Joining Rocky Mountain Credit Union and/or opening a Share Certificate can be done online, or at any of six full-service Montana branches, located in Belgrade, Bozeman (2), Butte, and Helena (2).

Credit Union Overview

Rocky Mountain Credit Union has an overall health grade of "A" at, with a Texas Ratio of 1.95% (excellent) based on March 30, 2018 data. In the past year, RMCU has increased its total non-brokered deposits by $7.82 million, an excellent annual growth rate of 3.96%. Please refer to our financial overview of Rocky Mountain Credit Union (NCUA Charter # 63261) for more details.

Originally chartered as the State Capital Employees Credit Union (SCECU) in 1940, Rocky Mountain Credit began like almost all credit unions: a small number of founding members (47 State of Montana employees) with a limited FOM (State of Montana employees residing in Lewis and Clark County). My next line would normally be something like, “over the next several years, the membership grew,” but that’s not what happened.

Shortly after World War II, the credit union was recessed.

SCECU was quietly put aside until January 1956, when it “was recognized by a number of the charter members and other state employees." It wasn’t until 1999 that the FOM was expanded to include everyone who lived or worked in Lewis and Clark County and Gallatin County. The new FOM prompted the search for a new name, and the Rocky Mountain Credit Union rebrand occurred in October 1999. Following mergers with three other Montana credit unions, RMCU has become Montana’s fifth largest credit union, with more than 21,000 members and assets in excess of $242 million.

How the Share Certificate Compares

When compared to the 187 similar length-of-term CDs tracked by that are available within the FOM, Rocky Mountain Credit Union’s 60-Month Share Certificate APY currently ranks first.

The above rates are accurate as of 8/8/2018.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Butte CD rates, Helena CD rates, 5-year CD rates

Not Me
  |     |   Comment #1
I'm not locking into a five year CD at 3.50% with the interest rates going up.
  |     |   Comment #2
Sooooooooooo, what is the return on the same funds NOW?
  |     |   Comment #3
You've gotta expect that the rates won't go much above 3.75 or 4.0 %. If they do, I'll be surprised.
  |     |   Comment #4
Who knows where rates will be in 6 months. A major event can come along and change things. With intrest rates going up, mortgage rates to go up affecting home sales. The limit on SALT taxes of 10k is causing home sales to go down in NY where I live.
  |     |   Comment #5
Looks like this has all four characteristics of 'the ideal add-on CD' ( Too bad I don't qualify for membership.
  |     |   Comment #6
There might be a way through the Montana State University Alumni Association, as MSU Alumni is one of the SEGs. It's worth a try.

"Membership is open to everyone! It doesn't matter if you attended for one semester, earned multiple degrees or just bleed Blue & Gold—anyone can join."

ALUMNI AND FRIENDS, for alumni, former students and all friends of MSU
Joining Alum association won't work
  |     |   Comment #7
According to a CSR even if you are a member of the Alum Association, they will ask for a copy of your diploma if you are applying from outside Montana.
  |     |   Comment #8
No NFCU like loophole here folks
  |     |   Comment #9
Lesson: Better to ask for forgiveness than permission! Doesn't say only residents who are members of Alum Assn!
Joinint Alumni Assoc didn't work
  |     |   Comment #10
Didn't ask for permission - joined Alum association but was asked for diploma anyway since out of state.
  |     |   Comment #11
I bet the Alum assn. exec would like to know that there are different privileges for membership, i.e. out of state alums (no matter how long out of state) can't join yet residents can join CU. I suspect that the number of alum members that are out of state is over 50%?
Also, you may want to escalate with CU...where else are they imposing non-stated membership standards and why they discriminate against non residents of the state and only for alums? For example, very few of the SEGs stipulate a local/ employee of Costco, etc. can join but residence is not stated

Have fun!
Rocky Mountain Credit Union (MT) Boosts 18-Month CD Rate
Deal Summary: 18-month Share Certificate, 2.18% APY, $1k minimum deposit.

Availability: Residents of eight southwest Montana counties; more than 50 SEGs.

Rocky Mountain Credit Union (RMCU) has ended the month by raising the rate on its 18-month Share Certificate (2.18% APY). The minimum opening deposit is $1k, with no stated balance cap.

The 18-month Share Certificate is also offered as an IRA (Traditional, Roth, SEP, CESA), earning the same APY, but requiring a $2k minimum deposit.

Last week’s 168 bps increase resulted in the Share Certificate’s highest APY since...

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