Montana Federal Credit Union


Po Box 5027
Great Falls, MT 59403
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 0.85% →
1-Year CD 0.35% 0.75% →
2-Year CD 0.65% 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Montana is an NCUA insured institution located in Great Falls, MT. It was founded in 1940 and has approximately $309.06 millions in assets.

Who can join?

Anyone living in Cascade, Chouteau, or Teton counties is eligible for membership.

NCUA Insured Yes / Federally Chartered
Charter Number # # 4164
Date Established 1940
Assets $309.06 million
Loans $161.05 million
Deposits $278.23 million
Capital $29.35 million

Field of Membership Restrictions

Membership is open to those who live in Cascade, Chouteau, or Teton counties.

Deposit Rates - October 19, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.20% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.35% $10,000 $14,999 Learn More
12 Mo CD
0.35% $100,000 $199,999 Learn More
18 Mo CD
0.50% $10,000 $14,999 Learn More
18 Mo CD
0.50% $100,000 $199,999 Learn More
24 Mo CD
0.65% $10,000 $14,999 Learn More
24 Mo CD
0.65% $100,000 $199,999 Learn More
30 Mo CD
1.11% $10,000 $14,999 Learn More
30 Mo CD
1.11% $100,000 $199,999 Learn More
36 Mo CD
0.95% $10,000 $14,999 Learn More
36 Mo CD
0.95% $100,000 $199,999 Learn More
48 Mo CD
1.16% $10,000 $14,999 Learn More
48 Mo CD
1.16% $100,000 $199,999 Learn More

Loan Rates - October 19, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for MONTANA

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
NMLS ID: 2890
License#: 13256
2.808% 2.750% 0.75 $1,880 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Montana branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Montana Locations

Climate Initiatives

MONTANA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Montana Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Montana. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Montana U.S. Average
1.58% 3.79

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2021, Montana had $416,958 in non-current loans and $57,658 in owned assets. To cover these potential losses it had $29,350,482 in net worth and $728,083 in loans loss reserves. That gives it a Texas Ratio of 1.58%.

Net Worth
Montana U.S. Average
9.49% 12.22%

Montana FCU has a net worth of 9.49% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Montana

Branches and Savings

What is Montana?

A federal credit union, registered with the NCUA under certificate #4164.
Learn more about credit unions here.

Is Montana FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Montana is insured by the NCUA.

Who can join Montana?

Please see Field of Membership information above for information on who is eligible to join.

What are Montana's share account and share certificate rates?

Montana's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Montana?

Montana has total capital of $29.35 million. Full information on Montana's financial position is located above.

Who owns Montana?

Credit Unions are owned by their members.

Where are Montana branches located?

See branch locations nearby.

Are Montana ATMs Open 24/7?

Do Montana ATMs accept cash deposits?

Can Montana customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Montana have a mobile app?

Does Montana have mobile deposit?

Does Montana have quick pay?

How can Montana transfer money to other banks or credit unions?

Does Montana report to credit bureaus?

Does Montana use Chexsystems?

Does Montana use Equifax?

What is Montana's toll free phone number?

What is Montana's ACH Routing Number?

What is Montana's SWIFT code?

Where can I find Montana's wire transfer form?

What is the Montana address for deposits?

What Products Does Montana Offer

Does Montana offer mortgages?

Compare mortgage rates here.

Does Montana offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Montana offer auto and RV loans?

Compare auto loan rates here.

Does Montana offer student loans or personal loans?

Compare personal loan rates here.

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