--- title: "Montana Credit Union Rates (Nov 2026): CDs to 6.00%" description: "Montana Credit Union rates today: savings & CDs up to 6.00% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Montana Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/montana/montana" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Montana Credit Union Rates (Nov 2026): CDs to 6.00% ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Type First Mortgage** other | — APR | 4.740% | — | Context only | Montana Credit Union mortgage rates as of November 13, 2026 ### Auto & vehicle rates 14 offers | Product | Published | Rate | Term / condition | Status | | **Term Up to 60 months (OAC)** auto_any_60mo | — APR | 3.990% | 60 mo | Standard | | **Term Up to 36 months (OAC)** auto_any_36mo | — APR | 4.490% | 36 mo | Standard | | **Term 61 to 75 months (OAC)** auto_any_75mo | — APR | 4.990% | 75 mo | Standard | | **Term Up to 75 months (OAC)** auto_any_75mo | — APR | 5.490% | 75 mo | Standard | | **Term 76 to 84 months (OAC)** auto_any_84mo | — APR | 5.990% | 84 mo | Standard | | **Term Up to 84 months (OAC)** auto_any_84mo | — APR | 6.240% | 84 mo | Standard | | **Term 85 to 96 months (OAC)** auto_any_96mo | — APR | 6.990% | 96 mo | Standard | | **Term Up to 60 months (2015 or older vehicles, OAC)** auto_used_60mo | — APR | 7.990% | 60 mo · used | Standard | | **Type 2016 and newer** auto_any_60mo | — APR | 9.490% | 60 mo | Standard | | **Type 2016 and newer** auto_any_84mo | — APR | 10.490% | 84 mo | Standard | | **Type 2015 and older** auto_used_60mo | — APR | 10.490% | 60 mo · used | Standard | | **Type 2015 and older** auto_used_72mo | — APR | 11.490% | 72 mo · used | Standard | | **Type 2016 and newer** auto_any_180mo | — APR | 11.990% | 180 mo | Standard | | **Type 2015 and older** auto_used_144mo | — APR | 12.990% | 144 mo · used | Standard | Montana Credit Union auto & vehicle rates as of November 13, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Type Second Mortgage** heloc_fixed | — APR | 5.990% | — | Context only | Montana Credit Union heloc rates as of November 13, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Personal Line of Credit** ploc_variable | — APR | 6.990% | — | Standard | | **Loan Type Line of Credit (Personal)** ploc_variable | — APR | 9.500% | — | Standard | | **Loan Type Personal Loan (25-36 months)** personal_unsecured_36mo | — APR | 10.990% | 36 mo | Standard | | **Loan Type Personal Loan (up to 24 months)** personal_unsecured_24mo | — APR | 10.990% | 24 mo | Standard | | **Loan Type Personal Loan (37-48 months)** personal_unsecured_48mo | — APR | 11.990% | 48 mo | Standard | Montana Credit Union personal loan rates as of November 13, 2026 ### Savings & CD rates 17 offers | Product | Published | Rate | Term / condition | Status | | **Balance All balances if qualifications not met** savings | — APY | 0.10% | — | Standard | | **Balance Balances over $10,000+** savings | — APY | 0.10% | — | Standard | | **Account Name Christmas Club Savings** savings | — APY | 0.99% | — | Specialty offer | | **Balance $0 - $2,499.99** savings | — APY | 0.99% | — | Standard | | **Account Name IRA Savings** ira | — APY | 0.99% | — | Standard | | **Balance $2,500 - $49,999.99** savings | — APY | 1.09% | — | Standard | | **Balance $50,000 - $74,999.99** savings | — APY | 1.19% | — | Standard | | **Balance $75,000+** savings | — APY | 1.24% | — | Standard | | **Balance Balances up to $10,000** savings | — APY | 2.96% | — | Standard | | **30-Month Certificate** share_certificate_30mo | 3.50% APY | 3.44% | 30 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 3.50% APY | 3.44% | 36 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 3.50% APY | 3.44% | 6 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 3.50% APY | 3.44% | 48 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 3.50% APY | 3.44% | 12 mo | Standard | | **18-Month Certificate** share_certificate_18mo | 3.50% APY | 3.44% | 18 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 3.50% APY | 3.44% | 24 mo | Standard | | **Share Certificates (Term 10 month FYI Certificate*)** share_certificate_10mo | 6.00% APY | 5.84% | 10 mo | Standard | Montana Credit Union savings & cd rates as of November 13, 2026 Savings and certificate yields up to 6.00% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/montana/montana) , verified from [Montana Credit Union's official website](https://www.montanacu.com/) Loading branch locator… ## About Montana Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 26.2K Assets $358.9M Founded 1940 Locations reported 4 NCUA charter 4164 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Horizon** River Drive · Great Falls · MT · 59401 About 0.6 miles away](https://rateapi.dev/credit-unions/washington/horizon) [**Russell Country** Russell Country FCU-Main · Great Falls · MT · 59401-3704 About 0.9 miles away](https://rateapi.dev/credit-unions/montana/russell-country) [**Clearwater** Clearwater - Great Falls 5th Ave · Great Falls · MT · 59401-2529 About 1.1 miles away](https://rateapi.dev/credit-unions/montana/clearwater) [**Billings** MDT - West · Great Falls · MT · 59405-1879 About 1.6 miles away](https://rateapi.dev/credit-unions/montana/billings) [**Weld Community** Member Driven Technologies- Data Center · Great Falls · MT · 59405 About 1.6 miles away](https://rateapi.dev/credit-unions/colorado/weld-community) [**The Family First** Main Office · Great Falls · MT · 59405-5301 About 1.6 miles away](https://rateapi.dev/credit-unions/montana/the-family-first) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Montana Credit Union Membership eligibility from Montana Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Montana Credit Union's website. Check the membership page below to confirm whether you qualify. - Location MT Verified from [Montana Credit Union's membership page](https://www.montanacu.com/about/montana-credit-union/) . Final membership determination is always made by the credit union. ## Membership rules for Montana Credit Union Geography 1 county 2 published paths to membership, last verified August 21, 2026, quoted from Montana Credit Union’s own published criteria. ### Geography 2 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 21, 2026 - Cascade County, MT - MT “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Cascade County, MT” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Montana Credit Union? Yes No ## Work at Montana Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Montana Credit Union ranks against Montana peers. - See which AI assistants fetched Montana Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Montana - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=montana&state=montana&code=MT&name=Montana%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Montana Credit Union offer? Montana Credit Union currently offers mortgage, Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified November 13, 2026 directly from the credit union's official website. ### How often are Montana Credit Union rates updated? RateAPI verifies Montana Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 13, 2026. ### Where does RateAPI get Montana Credit Union's rate data? Rate data is collected directly from Montana Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Montana Credit Union's best CD rate? As of November 13, 2026, Montana Credit Union offers savings and certificate (CD) yields up to 6.00% APY. ### Who can join Montana Credit Union? Montana Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 county for Montana Credit Union, each quoted from Montana Credit Union's own published membership criteria. ## Related Rate Data Compare Montana Credit Union's rates against national credit-union benchmarks. [More Montana credit unions](https://rateapi.dev/credit-unions/montana) [Montana mortgage rate leaders](https://rateapi.dev/mortgage-rates/montana) [Montana auto loan rate leaders](https://rateapi.dev/auto-loan-rates/montana) [Montana HELOC rate leaders](https://rateapi.dev/heloc-rates/montana) [Montana personal loan leaders](https://rateapi.dev/personal-loan-rates/montana) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.montanacu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Montana Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Montana credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Montana Credit Union curl "https://api.rateapi.dev/credit-unions/montana /montana " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Montana Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/montana/montana Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp