RateDex

Presented by the National Association of Federal Credit Unions in cooperation with SNL and DatatracRates based upon a survey of 339,609 financial institution locations in 19,713 markets across the United States as of 5/26/2026.

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 - $10k1.924.000.012.753.750.3083
6 Mo CD - $10k2.143.880.013.043.800.0590
9 Mo CD - $10k1.333.930.012.933.750.05161
1 Yr CD - $10k2.103.750.013.164.500.10106
18 Mo CD - $10k1.673.250.013.064.001.80139
2 Yr CD - $10k1.893.200.013.024.200.15113
30 Mo CD - $10k1.573.050.013.144.002.00157
3 Yr CD - $10k1.773.200.012.954.000.20118
4 Yr CD - $10k1.523.250.013.064.001.73155
5 Yr CD - $10k1.633.300.013.084.051.50145
3 Mo CD - $100k1.774.000.012.763.750.3099
6 Mo CD - $100k2.143.880.013.144.250.05100
9 Mo CD - $100k1.333.930.012.953.750.15162
1 Yr CD - $100k2.113.750.013.244.500.10113
18 Mo CD - $100k1.765.050.013.294.001.80153
2 Yr CD - $100k1.903.200.013.094.200.15120
30 Mo CD - $100k1.593.050.013.364.002.00176
3 Yr CD - $100k1.793.400.013.044.000.20125
4 Yr CD - $100k1.693.450.013.064.001.73138
5 Yr CD - $100k1.603.500.013.164.051.50156
High Rate Checking0.070.100.043.084.500.90301
Basic Checking0.171.220.010.100.900.01-7
IRA - 1 Year - $10k1.823.940.013.253.901.65143
IRA - 1 Year - $100k0.922.000.013.593.903.25267
IRA - Liquid - $10k1.103.940.010.652.500.05-45
IRA - Liquid - $100k0.020.030.010.792.400.0578
High Rate Money Market - $2.5k0.150.150.15    
Money Market - $2.5k0.482.000.010.681.600.0320
Money Market - $10k0.552.250.010.741.700.0319
High Rate Money Market - $10k0.150.150.15    
High Rate Money Market - $25k0.150.150.150.541.240.3039
Money Market - $25k0.702.250.041.032.000.1033
Money Market - $50k0.862.750.041.202.250.1033
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 - $100k1.163.250.051.352.700.1019
Money Market - $250k1.283.440.051.423.200.1014
High Rate Money Market - $250k2.602.602.602.123.931.51-49
Money Market - $500k0.802.530.051.543.200.1075
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 million0.802.530.051.573.550.1078
High Rate Savings0.040.050.021.131.760.50110
Regular Savings0.322.000.010.352.150.013
New Auto - 24 Mo7.328.536.115.115.744.39-221
New Auto - 36 Mo7.1011.503.995.127.493.99-198
New Auto - 48 Mo7.1311.503.995.147.493.99-199
New Auto - 60 Mo7.1411.503.995.197.493.99-195
New Auto - 72 Mo7.1011.503.995.478.003.99-163
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 Mo7.3011.504.995.167.253.99-214
Used Auto - 48 Mo7.3011.504.995.207.493.99-210
Used Auto - 60 Mo7.3511.504.995.267.743.99-209
Used Auto - 72 Mo7.3611.504.995.478.003.99-188
Used Auto - 84 Mo8.788.788.785.486.494.99-330
Used Boat-60 Mo11.0111.0111.017.128.256.24-389
New Boat-60 Mo8.0111.506.006.648.254.49-137
Rewards Credit Card17.2523.2412.4812.4814.759.90-477
Credit Card Platinum16.1320.2413.9211.8113.248.99-432
Credit Card Classic14.8520.2412.0011.3815.997.75-347
Home Equity - LOC 80%7.488.506.507.089.005.50-40
Home Equity - 5 Yr 80%7.257.257.257.099.255.50-16
Home Equity - 10 Yr 80%7.657.757.357.509.255.50-15
Home Equity - 15 Yr 80%8.038.257.357.899.505.75-13
7 Yr ARM6.5536.7526.0906.1796.3935.625-37
5 Yr ARM6.4346.4346.4346.0586.4135.374-38
15 Yr Fixed6.0716.3375.7515.7776.0295.500-29
20 Yr Fixed6.3726.6366.0196.2096.5505.875-16
30 Yr Fixed6.6477.3476.2506.3776.6336.023-27
Used Motorcycle-60 Mo   7.529.755.24 
New Motorcycle-60 Mo   7.529.755.24 
Used Motorhome-60 Mo11.0111.0111.016.888.256.24-413
New Motorhome-60 Mo8.1611.505.546.498.254.49-166
Unsecured - 36 Mo11.1213.996.7410.7517.497.50-36
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.