Grow Your Savings. Backed by Local Service.
Montana’s largest credit union is coming to Missoula with better certificate rates, fewer fees, and more money back to you.
Earn up to 3.75% APY with our 4-, 8-, or 15 month certificates.
Simple terms. Guaranteed returns. Local service.
Featured Certificate Rates
Why Choose a Certificate?
Earning Potential
Certificates provide stronger returns than our already above-average savings accounts.
Flexible Terms
Choose from 4, 8, or 15 months to match your financial goals.
Reliable Growth
Secure returns you can count on.
Montana Service
Local support from people who know and live in your community.
Certificates Go Further
Whitefish Credit Union savings accounts already earn significantly more than the national average. By setting aside funds for a fixed term, you secure higher returns and the confidence that your money is working harder for you — all while staying close to home with Montana’s largest credit union.
Dividends Paid To Members Per Period
| Period | Dividends Paid to Members |
| Dec-24 | $8,292,098 |
| Jun-24 | $8,497,733 |
| Dec-23 | $13,992,950 |
| Jun-23 | $19,576,420 |
| Dec-22 | $19,194,211 |
| Jun-22 | $7,139,308 |
| Dec-21 | $5,086,531 |
| Jun-21 | $5,215,941 |
| Dec-20 | $6,484,093 |
Making Roots in Missoula, Because It Feels Like Home
Founded in 1934, Whitefish Credit Union has grown to become Montana’s largest credit union — built on trust, service, and community. Now with our new branch in Missoula, you’ll have a financial partner as committed to Montana as you are.
| Period | Dividends Paid To Members |
| Dec-24 | $8,292,098 |
| Jun-24 | $8,497,733 |
| Dec-23 | $13,992,950 |
| Jun-23 | $19,576,420 |
| Dec-22 | $19,194,211 |
| Jun-22 | $7,139,308 |
| Dec-21 | $5,086,531 |
| Jun-21 | $5,215,941 |
| Dec-20 | $6,484,093 |
How Our Dividend Rates Compare
Since 2020, we’ve paid over $90 million back to members. Watch your savings grow with our unique high-dividend rate structure. Twice a year, on June 30 and December 31, members receive dividend earnings at a special savings dividend rate based on a daily average account balance for the previous six months.
| Period | Whitefish CU's Dividend Rate | National Average Savings Account Rate* | Dividends Paid To Members |
| Dec-24 | 1.41% | 0.42% | $8,292,098 |
| Jun-24 | 1.41% | 0.45% | $8,497,733 |
| Dec-23 | 1.90% | 0.43% | $13,992,950 |
| Jun-23 | 2.25% | 0.42% | $19,576,420 |
| Dec-22 | 2.00% | 0.33% | $19,194,211 |
| Jun-22 | 0.75% | 0.10% | $7,139,308 |
| Dec-21 | 0.55% | 0.06% | $5,086,531 |
| Jun-21 | 0.63% | 0.06% | $5,215,941 |
| Dec-20 | 0.85% | 0.05% | $6,484,093 |
Missoula’s New Branch Is Open. Your Banking, Your Way.
We’re excited to welcome you to our newest location at 1635 S Russell St., now serving the community with full-service banking, convenient drive-thru lanes, and 24/7 ATM access.
Ready to grow your savings?
Pick your term. Lock your rate. Start building your future today.
Federally insured by NCUA. Membership required. Early withdrawal penalties may apply.
Annual Percentage Yield (APY) accurate as of 3/18/2026.