Best mortgage rates in Montana this week
No borrower-submitted offers from Montana yet — be the first to share yours and help other Montana borrowers benchmark their quotes.
Data as of 13h ago · Borrower offers span the last 30 days; credit-union posted rates are refreshed weekly (Mondays).
How do you compare?
See where rates like yours land in Montana this week.
Not enough conventional 30y submissions from Montana yet to draw a comparison. Be the first to share your quote — every submission helps the next Montana borrower benchmark theirs.
Credit union posted rates Montana residents can access
Posted rates from each credit union's public rate sheet. Conventional shown by default; expand the others if you qualify.
Will these rates apply to you?
Posted rates are best-case — they assume excellent credit and 20% down. Here's a realistic read for your situation.
Not enough borrower submissions yet to show what a 700-719 borrower gets in Montana. The posted rates below are best-case; add your quote to build this out.
Rate ranges are real borrower submissions; payment is P&I (plus estimated PMI) on the reference loan, excluding taxes and insurance. Your actual rate depends on your full profile — get pre-approved for your real number, or run the calculator. Not financial advice.
At a glance — ranked by true 5-year cost
incl. points · $350,000 loan · held 5 yrs| Credit union | Rate | Points | Product | Est. 5-yr cost | vs best |
|---|---|---|---|---|---|
| MOUNTAIN AMERICA Credit Unionjoin → | 6.250% | 0 | Conventional · 30-yr | $129,301 | best |
| Navy Federal Credit Unionjoin → | 6.125% | 0.5 | Conventional · 30-yr | $129,348 | +$48 |
| PenFed Credit Unionjoin → | 6.125% | 1 | Conventional · 30-yr | $131,098 | +$1,798 |
| Connexus Credit Unionjoin → | 6.250% | 1 | Conventional · 30-yr | $132,801 | +$3,500 |
| Digital Federal CU (DCU)join → | 6.375% | 1.38 | Conventional · 30-yr | $135,843 | +$6,542 |
Conventional
| Rate | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|
| 6.125% | 6.295% | 30y | 1 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 13h ago |
| 6.125% | 6.268% | 30y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 13h ago |
| 6.250% | 6.381% | 30y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 13h ago |
| 6.250% | 6.404% | 30y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 13h ago |
| 6.375% | 6.541% | 30y | 1.38 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 13h ago |
| 5.490% | 5.702% | 15y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 13h ago |
| 5.500% | 5.714% | 15y | 0.38 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 13h ago |
| 5.625% | 5.876% | 15y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 13h ago |
| 5.750% | 5.960% | 15y | 1 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 13h ago |
| 5.740% | 5.740% | 10y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 13h ago |
| 5.750% | 6.047% | 10y | 1 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 13h ago |
| 6.000% | 6.202% | 20y | 1 | Connexus Credit Union | Open nationally — Connexus Association membership ($5 donation). | 13h ago |
| 6.124% | 6.296% | 20y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 13h ago |
| 6.125% | 6.278% | 20y | 0.88 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 13h ago |
FHA · 3 rates
For borrowers with lower credit or smaller down payments. Requires mortgage insurance for the life of the loan unless 10%+ down.
| Rate | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|
| 5.500% | 6.418% | 30y | 1.38 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 13h ago |
| 5.750% | 6.578% | 30y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 13h ago |
| 5.500% | 6.361% | 15y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 13h ago |
VA · 3 rates
For active military, veterans, reservists, National Guard, and qualifying surviving spouses. Often the lowest rates available, but requires VA eligibility.
| Rate | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|
| 5.625% | 5.900% | 30y | 1 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 13h ago |
| 5.750% | 6.042% | 30y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 13h ago |
| 5.750% | 6.243% | 15y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 13h ago |
Jumbo · 10 rates
For loan amounts above the conforming limit ($832,750 in most counties, higher in high-cost areas). Tighter underwriting.
| Rate | APR | Term | Points | Credit union | Eligibility | Effective |
|---|---|---|---|---|---|---|
| 6.125% | 6.307% | 30y | 1.63 | PenFed Credit Union | Open nationally — Open to anyone — most members join via the Voices for America's Troops sponsorship. | 13h ago |
| 6.375% | 6.520% | 30y | 0.5 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 13h ago |
| 6.375% | 6.521% | 30y | 1.38 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 13h ago |
| 6.375% | 6.484% | 30y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 13h ago |
| 5.750% | 5.928% | 15y | 1 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 13h ago |
| 6.000% | 6.217% | 15y | 0.38 | Navy Federal Credit Union | Military, DoD civilians, veterans, and immediate family. | 13h ago |
| 6.875% | 7.057% | 15y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 13h ago |
| 5.750% | 6.003% | 10y | 1 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 13h ago |
| 6.125% | 6.253% | 20y | 0.88 | Digital Federal CU (DCU) | Open nationally — Open via several association memberships. | 13h ago |
| 7.625% | 7.776% | 20y | 0 | MOUNTAIN AMERICA Credit Union | Open to anyone living, working, worshipping, or attending school in UT, ID, NV, AZ, NM, MT, or WY | 13h ago |
What to know about getting a mortgage in Montana
Montana’s post-2020 in-migration pushed prices far above what local incomes historically supported, especially in Bozeman, Missoula, and the Flathead. There’s no state sales tax and property taxes are moderate, but the thin rural lender pool means posted rates vary widely — quote at least one credit union and one national lender.
The 2026 conforming loan limit in most Montana counties is $832,750 for a single-family home (designated high-cost counties go higher). Loans above that are jumbo — expect tighter underwriting and different pricing.
The borrower-quoted offers above were submitted by real Montana residents in the last 30 days. We score every submission for fraud signals before publishing, and verified offers carry a verified badge after we OCR the Loan Estimate.
The credit-union rates are taken from each lender's public rate sheet on the effective date shown. We don't take affiliate fees, sell contributor data, or rank lenders by commission. The full methodology is on the methodology page.
Got a quote in Montana? Share it anonymously and help the next borrower price their quote.
Frequently asked: mortgages in Montana
Straight answers, grounded in the data on this page.
What is the best mortgage rate in Montana right now?+
The lowest conventional 30-year rate we're tracking in Montana this week is 6.125% from PenFed Credit Union, 0.42% below the U.S. average of 6.550%. It's a real posted rate, not a teaser — your actual rate depends on your credit, down payment, and loan type.
How much do you need to put down for a house in Montana?+
The median home price in Montana is about $440,000, so 20% down is roughly $88,000. Many buyers put down far less: conventional loans go as low as 3%, FHA 3.5%, and VA/USDA can be 0% for those who qualify (with mortgage insurance when you put down under 20%).
Which credit unions can Montana residents join for a mortgage?+
Montana residents can currently get posted mortgage rates from MOUNTAIN AMERICA Credit Union, Navy Federal Credit Union, PenFed Credit Union, and others. Many credit unions let anyone join through a small one-time association membership — each one's eligibility and exact join steps are on its page.
What first-time homebuyer programs does Montana have?+
Montana's housing finance agency is the Montana Housing. Montana Housing’s bond programs offer below-market first mortgages with down-payment assistance for first-time buyers. These programs work through participating lenders, so you can (and should) still compare the program rate against the credit-union rates on this page.
What is the conforming loan limit in Montana?+
For most Montana counties the 2026 conforming loan limit is $832,750 for a single-family home (designated high-cost counties go higher). Loans above the limit are jumbo, which typically means tighter underwriting and different pricing.
Does RatePerch take referral fees from lenders in Montana?+
No. We don't take affiliate or referral fees, sell contributor data, or rank lenders by commission. Borrower-quoted rates are submitted anonymously by real Montana residents, and credit-union rates are copied straight from each lender's public rate sheet.