Best Banks & Credit Unions in Helena, Montana

Banks and credit unions serving Helena, Montana. Compare up to 2.00% APY, fees, minimums and membership rules, dated when we read them.

This page covers banks, credit unions, and local branches available to residents of Helena, Montana. All rankings inherit from the Montana state directory. Every institution listed is licensed to serve Helena residents and is either headquartered in Montana or operates branches in the metro.

Top options in Helena

• Altana Federal Credit Union: 3.79% APY. 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: 3.50% APY. 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: 3.35% APY. 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: 2.00% APY. 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: 1.25% APY. 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: 0.90% APY. 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.

Banks with more than one branch in Helena

Each opens every one of that bank's offices in Helena, with the address of each and what it holds.

• Opportunity Bank of Montana in Helena: 4 branches
• First Interstate Bank in Helena: 3 branches

Other Montana cities

See the full Montana banks directory for every institution we've verified in the state, plus the underlying methodology.