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Last Updated: 04/18/2025

Rocky Mountain Credit Union Savings Account

in Savings Accounts from Rocky Mountain Credit Union

Last Updated: 04/18/2025

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Highlights

APY (Annual Percentage Yield)

0.01% - 0.25%(Verified 06/21/2024)

Minimum Opening Deposit

$20

Minimum Balance to Earn APY

$0.01

Rocky Mountain Credit Union Savings Account Review

Rocky Mountain Credit Union Savings Account is offered by Rocky Mountain Credit Union, a credit union founded in 1940 and based in Helena, MT. Rocky Mountain Credit Union Savings Account are available in 50 states, 5 US territories, and Washington, DC.

Key Takeaways

Higher than average APY. Rocky Mountain Credit Union Savings Account has an annual percentage yield of up to 0.25%, which is higher than the average interest rate for savings accounts. Note that you must keep a minimum balance of $0.01 to earn that interest rate.
No monthly maintenance fees. This account does not charge any monthly account fees.
Small minimum initial deposit. You only need $20.00 to open an account.

Rocky Mountain Credit Union Savings Account Pros & Cons

Pros

Cons

Available in 50 states, 5 U.S. territories and Washington, DC.
Dividend-yielding account.
Insured by NCUA.
Access to physical branches.
Access to a nationwide network of ATMs.

Does not offer mobile check deposits.
Does not come with a debit card
No signup bonus.

Rocky Mountain Credit Union Savings Account FAQ

Are savings accounts from Rocky Mountain Credit Union federally insured?

Yes, your savings accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

Does Rocky Mountain Credit Union offer a signup bonus?

Rocky Mountain Credit Union Savings Account doesn't offer a signup bonus.

What is the minimum initial deposit for Rocky Mountain Credit Union Savings Account?

The minimum deposit to open a Rocky Mountain Credit Union Savings Account is $20.00.

Rocky Mountain Credit Union Savings Account Minimums

Description

Minimum Average Balance to Avoid Monthly Service Fee

$0.00

Minimum Balance to Earn APY

$0.01

Minimum Opening Deposit

$20.00

Minimum Required Balance

$20.00

What APY does Rocky Mountain Credit Union Savings Account offer?

Rocky Mountain Credit Union Savings Account offers a variable APY starting at 0.01% and ranging up to 0.25% (APY stands for annual percentage yield, rates may change).

What fees does Rocky Mountain Credit Union Savings Account charge?

Rocky Mountain Credit Union Savings Account does not charge a monthly service fee. See the fee breakdown section below to view all fees.

Outgoing domestic bank transfers come with a $20.00 fee.
Incoming domestic bank transfers come with a $5.00 fee.
Outgoing international bank transfers come with a $50.00 fee. You can save a ton of money in fees if you use use a nonbank money transfer service.
Incoming international bank transfers come with a $5.00 fee.
Rocky Mountain Credit Union Savings Account charges a $20.00 fee for an early account closure. Contact Rocky Mountain Credit Union Savings Account for more details on what is considered an early closure.
An overdraft on your account will trigger a $29.00 fee per item.
Rocky Mountain Credit Union Savings Account charges $5.00 every time you request a paper statement.

Does Rocky Mountain Credit Union Savings Account charge overdraft fees?

Yes, Rocky Mountain Credit Union Savings Account charges a $29.00 overdraft fee.

What features and perks does Rocky Mountain Credit Union Savings Account offer?

This savings account includes the following features:

Mobile Banking Services - Rocky Mountain Credit Union Savings Account allows you to manage your money online or with a mobile app.
Nationwide ATM network - Conveniently transact at a nearby ATM.

Can you set up a direct deposit to Rocky Mountain Credit Union Savings Account?

Yes, you can typically set up a direct deposit to this account. However, it depends on the direct deposit program your employer uses. Most direct deposit programs allow you to send your paycheck to a savings or checking account. In some cases, you can even split your paycheck between the two.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

3400 N Montana Ave

Helena, MT 59602

(406) 447-5328

Visit Site

Hours of Operation

Sunday

Closed

Monday

8:30AM - 4:30PM

Tuesday

8:30AM - 4:30PM

Wednesday

8:30AM - 4:30PM

Thursday

8:30AM - 4:30PM

Friday

8:30AM - 4:30PM

Saturday

Closed

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APY (Annual Percentage Yield)

0.03% - 0.50%

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Minimum Opening Deposit

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$0.01

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Rocky Mountain Credit Union IRA Savings Account

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APY (Annual Percentage Yield)

0.03% - 0.50%

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$0.01

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Rocky Mountain Credit Union Super Saver Account

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APY (Annual Percentage Yield)

0.01% - 0.25%

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Minimum Opening Deposit

$20

Minimum Balance to Earn APY

$0.01

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SuperMoney Net Recommendation Score

This product has no reviews yet. Help others by sharing your thoughts.

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.