Best Banks & Credit Unions in Montana

Compare the best banks and credit unions in Montana — up to 2.00% APY, verified fees, minimums, and membership rules from 13+ local institutions.

Montana residents have access to a mix of state-chartered credit unions, regional community banks, and nationwide online banks. This page ranks the strongest options for savings APY, checking rewards, and CD specials — all verified against the institution's own rate page as of September 2026.

Best banks and credit unions in Montana 2026

Altana Federal Credit Union — CD: 3.79% APY, $500 min, no monthly fee. 12 Month Certificate: $500-$9,999 band; the same 3.79% applies at every balance band at this term; a penalty may be imposed for early withdrawal. Read Sep 7, 2026 on altanafcu.org.
Clearwater Credit Union — CD: 3.50% APY, $100 min, no monthly fee. 12-Month Certificate: $100 minimum, no maximum; rates effective as of July 01, 2026 per the page; the 36-month term pays 3.55%. Read Sep 7, 2026 on clearwatercreditunion.org.
Horizon Credit Union — CD: 3.35% APY, $1,000 min, no monthly fee. 12 Month Certificate: $1,000.00 minimum opening deposit; the same 3.35% applies at the $25,000 and $100,000 bands; the 15-month and 24-month terms pay 3.61%. Read Sep 7, 2026 on hzcu.org. Rates as of 2026-09-01 per the page.
Altana Federal Credit Union — Savings: 2.00% APY, $25 min, no monthly fee. Metro Savings: Average daily balance under $10,000 earns this rate; balances of $10,001 and above earn 0.03%; membership requires a $25 minimum deposit and balance in a member savings account. Read Sep 7, 2026 on altanafcu.org.
Clearwater Credit Union — Money Market: 1.25% APY, no minimum, $5/mo fee. Money Market Savings: $0-$10,000 tier; $1,500 minimum monthly balance to avoid the $5 fee; $250,001 and above earns 2.80%; rates effective as of July 01, 2026 per the page. Read Sep 7, 2026 on clearwatercreditunion.org.
Clearwater Credit Union — Checking: 0.90% APY, no minimum, $5/mo fee. Premium Checking: $0-$10,000 tier; $1,500 minimum monthly balance to avoid the $5 fee; $250,001 and above earns 1.80%; rates effective as of July 01, 2026 per the page; Basic Checking publishes no rate. Read Sep 7, 2026 on clearwatercreditunion.org.
Farmers State Bank — Money Market: 0.45% APY, $25 min, no monthly fee. Platinum Money Market: $.01-$99,999.99 tier; $25 to open; $1,500,000 and over earns 3.45%. Read Sep 7, 2026 on farmersebank.com.
Horizon Credit Union — Money Market: 0.20% APY, no minimum, no monthly fee. Horizon Vision Money Market: $0.00-$24,999.99 tier; $100,000.00 or more earns 0.50%; the separate Horizon Focus money market pays 0.00% below $2,500. Read Sep 7, 2026 on hzcu.org. Rates as of 2026-09-01 per the page.

Every bank with a branch in Montana

48 FDIC-insured banks run 353 full-service offices in Montana. 41 of them are community banks, and 31 operate nowhere else. This is the federal record: every figure below is the regulator's own.

Glacier Bank — 54 offices in Montana, of 236 nationwide, holding $7.97bn at 30 June 2025, leverage ratio 10.10%.
Stockman Bank of Montana — 44 offices in Montana, and nowhere else, holding $5.60bn at 30 June 2025, leverage ratio 9.89%.
First Interstate Bank — 43 offices in Montana, of 271 nationwide, holding $6.18bn at 30 June 2025, leverage ratio 9.42%.
Opportunity Bank of Montana — 30 offices in Montana, and nowhere else, holding $1.75bn at 30 June 2025, leverage ratio 10.93%.
Wells Fargo Bank, National Association — 21 offices in Montana, of 4,066 nationwide, holding $3.25bn at 30 June 2025, leverage ratio 8.02%.
U.S. Bank National Association — 17 offices in Montana, of 2,077 nationwide, holding $3.02bn at 30 June 2025, leverage ratio 9.49%.
TrailWest Bank — 14 offices in Montana, and nowhere else, holding $771m at 30 June 2025, leverage ratio 8.62%.
Farmers State Bank — 10 offices in Montana, and nowhere else, holding $634m at 30 June 2025, leverage ratio 8.84%.
First Montana Bank, Inc. — 10 offices in Montana, and nowhere else, holding $435m at 30 June 2025, leverage ratio 10.15%.
Independence Bank — 10 offices in Montana, and nowhere else, holding $1.18bn at 30 June 2025, leverage ratio 13.39%.
The Yellowstone Bank — 9 offices in Montana, and nowhere else, holding $1.06bn at 30 June 2025, leverage ratio 12.33%.
Bank of Bridger, National Association — 8 offices in Montana, of 12 nationwide, holding $427m at 30 June 2025, leverage ratio 10.08%.

Deposits by office come from the FDIC Summary of Deposits, counted each 30 June; the leverage ratio is capital as a share of assets, from each bank's latest Call Report. Nothing here is blended into a score. Search by ZIP to see the offices nearest you.

Every bank we publish a page for in Montana

17 of them, largest first. Each page carries the bank's own Call Report figures and every office it runs.

Glacier Bank — 54 offices in Montana
Stockman Bank of Montana — 44 offices in Montana
First Interstate Bank — 43 offices in Montana
Opportunity Bank of Montana — 30 offices in Montana
Wells Fargo Bank — 21 offices in Montana
U.S. Bank — 17 offices in Montana
TrailWest Bank — 14 offices in Montana
Farmers State Bank — 10 offices in Montana
First Montana Bank, Inc. — 10 offices in Montana
The Yellowstone Bank — 9 offices in Montana
Bank of Bridger — 8 offices in Montana
Citizens Alliance Bank — 7 offices in Montana
Bravera Bank — 7 offices in Montana
JPMorgan Chase Bank — 4 offices in Montana
Davidson Trust Co. — 2 offices in Montana
The Bank of Commerce — 1 office in Montana
First Western Trust Bank — 1 office in Montana

Branches by town in Montana

Where a bank runs more than one office in a town, every one of them is listed on a page of its own.

First Interstate Bank in Billings, MT — 8 branches
Glacier Bank in Billings, MT — 6 branches
Stockman Bank of Montana in Billings, MT — 5 branches
TrailWest Bank in Missoula, MT — 5 branches
Glacier Bank in Bozeman, MT — 5 branches
Wells Fargo Bank, National Association in Billings, MT — 4 branches
U.S. Bank National Association in Billings, MT — 4 branches
Opportunity Bank of Montana in Helena, MT — 4 branches
Glacier Bank in Kalispell, MT — 4 branches
First Interstate Bank in Kalispell, MT — 3 branches
First Interstate Bank in Great Falls, MT — 3 branches
First Interstate Bank in Bozeman, MT — 3 branches
First Interstate Bank in Helena, MT — 3 branches
First Interstate Bank in Missoula, MT — 3 branches
The Yellowstone Bank in Billings, MT — 3 branches

Branch pages in Montana

Every office we publish a page for in Montana, by town. Each carries what that branch holds, when it opened and the other branches within five miles.

Every credit union with an office in Montana

46 federally insured credit unions run 151 offices in Montana, between them serving 2,154,107 members. 35 carry the NCUA's low-income designation. Figures are from each credit union's own NCUA Call Report.

Mountain America — 2 offices in Montana, 1,433,256 members, $22.7bn in assets, net worth ratio 9.41%.
Black Hills — 2 offices in Montana, 108,871 members, $2.37bn in assets, net worth ratio 10.45%.
Whitefish Credit Union Association — 8 offices in Montana, 64,905 members, $2.06bn in assets, net worth ratio 12.55%.
Horizon — 6 offices in Montana, 105,370 members, $2.00bn in assets, net worth ratio 12.68%.
Clearwater — 11 offices in Montana, 67,211 members, $1.15bn in assets, net worth ratio 12.65%.
Frontier — 1 office in Montana, 53,045 members, $810m in assets, net worth ratio 8.76%.
Altana — 11 offices in Montana, 40,056 members, $660m in assets, net worth ratio 11.12%.
Valley Financial — 11 offices in Montana, 38,943 members, $594m in assets, net worth ratio 10.60%.
Rocky Mountain — 7 offices in Montana, 25,993 members, $424m in assets, net worth ratio 8.72%.
Park Side Financial — 8 offices in Montana, 30,171 members, $389m in assets, net worth ratio 9.32%.
Montana — 4 offices in Montana, 26,193 members, $359m in assets, net worth ratio 12.35%.
Intrepid — 7 offices in Montana, 18,704 members, $310m in assets, net worth ratio 10.89%.

A credit union is measured differently from a bank and the numbers are not interchangeable: the net worth ratio here is the NCUA's capital measure under 12 CFR 702, where 7% is well capitalised, and shares are the credit union equivalent of deposits. Membership usually turns on where you live or work, so a local credit union is often open to you even when its name suggests otherwise.

What makes a Montana bank account worth opening

Look at four things in order: the APY (does it beat the FDIC national average of about 0.60%?), the monthly fee (anything above $0 should come with a clear waiver path), the minimum opening deposit, and the membership rule for credit unions. Montana residents typically qualify for at least one large state-chartered credit union on residency alone, and that credit union is often the highest-APY option available locally.

Is my money safe at a Montana bank or credit union?

Yes, if the institution is federally insured. FDIC covers banks up to $250,000 per depositor, per ownership category; NCUA covers credit unions at the same limits. Every institution in this directory carries one of those insurances — the FDIC or NCUA ID is listed on the full provider row.

Best banks in Montana cities

Related guides for Montana savers

Rates and fees change frequently. Confirm current figures directly with each institution before applying, and see our editorial methodology for how this directory is built and maintained.