RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 342,619 financial institution locations in 19,713 markets across the United States as of 7/13/2026.

Sort by Product  / State

Montana

National
Alabama
Alaska
American Soma
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Guam
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Marshall Islands
Maryland
Massachusetts
Michigan
Micronesia
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York State
North Carolina
North Dakota
Northern Mariana Islands
Ohio
Oklahoma
Oregon
Palau
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virgin Islands
Virginia
Washington
West Virginia
Wisconsin
Wyoming
ProductBank AverageBank HighBank LowCredit Union AverageCredit Union HighCredit Union LowBasis Point Difference*
3 Mo CD - $10k1.914.000.012.753.750.3084
6 Mo CD - $10k2.123.880.013.033.850.0591
9 Mo CD - $10k1.694.030.012.933.750.05124
1 Yr CD - $10k2.123.750.013.164.500.10104
18 Mo CD - $10k1.673.250.013.074.001.80140
2 Yr CD - $10k1.933.360.013.064.200.15113
30 Mo CD - $10k1.583.050.013.144.002.00156
3 Yr CD - $10k1.803.460.012.994.000.20118
4 Yr CD - $10k1.553.450.013.094.001.73154
5 Yr CD - $10k1.673.500.013.104.051.50143
3 Mo CD - $100k1.734.000.012.763.750.30103
6 Mo CD - $100k2.143.880.013.174.250.05103
9 Mo CD - $100k1.694.030.012.953.750.15126
1 Yr CD - $100k2.153.800.013.234.500.10108
18 Mo CD - $100k1.765.050.013.304.001.80154
2 Yr CD - $100k1.873.360.013.134.200.15126
30 Mo CD - $100k1.603.050.013.364.002.00175
3 Yr CD - $100k1.773.460.013.084.000.20130
4 Yr CD - $100k1.733.450.013.094.001.73136
5 Yr CD - $100k1.643.500.013.194.051.50155
High Rate Checking0.070.100.043.084.500.90301
Basic Checking0.171.220.010.100.900.01-6
IRA - 1 Year - $10k1.883.940.013.263.901.65139
IRA - 1 Year - $100k0.922.000.013.633.903.35271
IRA - Liquid - $10k1.103.940.010.652.500.05-45
IRA - Liquid - $100k0.020.030.010.912.400.0590
High Rate Money Market - $2.5k0.150.150.15    
Money Market - $2.5k0.482.000.010.691.500.0321
Money Market - $10k0.552.250.010.751.500.0320
High Rate Money Market - $10k0.150.150.15    
High Rate Money Market - $25k0.150.150.150.541.240.3039
Money Market - $25k0.733.340.041.042.000.1031
Money Market - $50k0.883.340.041.212.250.1033
High Rate Money Market - $50k0.250.250.250.601.490.3035
High Rate Money Market - $100k2.602.602.600.981.980.65-162
Money Market - $100k1.183.340.051.362.700.1018
Money Market - $250k1.303.440.051.443.200.1013
High Rate Money Market - $250k2.602.602.602.013.491.51-60
Money Market - $500k1.283.400.051.603.200.1032
High Rate Money Market - $500k2.652.652.651.511.511.51-114
High Rate Money Market - $1 million2.802.802.801.511.511.51-129
Money Market - $1 million1.283.400.051.633.550.1035
High Rate Savings0.020.020.021.131.760.50111
Regular Savings0.322.000.010.342.150.012
New Auto - 24 Mo7.328.536.115.115.744.39-221
New Auto - 36 Mo7.0811.503.995.097.493.99-199
New Auto - 48 Mo7.0811.503.995.117.493.99-197
New Auto - 60 Mo7.1211.503.995.167.493.99-196
New Auto - 72 Mo7.0511.503.995.438.003.99-162
New Auto - 84 Mo8.538.538.535.486.494.99-305
Used Auto - 24 Mo7.458.786.115.135.744.39-231
Used Auto - 36 Mo7.2711.504.995.147.253.99-213
Used Auto - 48 Mo7.2711.504.995.177.493.99-210
Used Auto - 60 Mo7.2911.504.995.237.743.99-206
Used Auto - 72 Mo7.3611.504.995.418.003.99-194
Used Auto - 84 Mo8.788.788.785.486.494.99-330
Used Boat-60 Mo11.0111.0111.016.938.246.24-408
New Boat-60 Mo8.0011.506.006.578.244.49-143
Rewards Credit Card17.1323.2412.4812.6614.999.90-448
Credit Card Platinum16.0320.2412.7511.8113.248.99-423
Credit Card Classic14.7520.2411.2511.3815.997.75-336
Home Equity - LOC 80%7.438.506.507.029.005.50-42
Home Equity - 5 Yr 80%8.458.458.456.909.255.50-155
Home Equity - 10 Yr 80%8.458.458.457.279.255.50-118
Home Equity - 15 Yr 80%8.458.458.457.639.255.75-82
7 Yr ARM6.3776.7615.6256.7877.0006.43341
5 Yr ARM5.2775.5004.9905.9637.2504.50069
15 Yr Fixed6.0997.2505.5006.31511.7505.49022
20 Yr Fixed6.5216.5126.3496.2516.1616.161-27
30 Yr Fixed6.6177.6256.0006.67813.2505.7506
Used Motorcycle-60 Mo   7.419.755.24 
New Motorcycle-60 Mo   7.419.755.24 
Used Motorhome-60 Mo11.0111.0111.016.697.506.24-432
New Motorhome-60 Mo8.1511.505.546.428.004.49-173
Unsecured - 36 Mo11.1213.996.7410.7417.497.50-38
Reproduction of any kind prohibited without expressed written consent from Datatrac Corporation. Copyright © 2026 Datatrac Corporation - All rights reserved.
* Represents the difference in the average rate between banks and credit unions.