201 W Holly St
Sidney, MT 59270
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
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

Richland is an NCUA insured institution located in Sidney, MT. It was founded in 1939 and has approximately $101.15 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 3391
Date Established 1939
Assets $101.15 million
Loans $35.28 million
Deposits $86.36 million
Capital $14.34 million

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in, and businesses and other legal entities located in Richland and Roosevelt counties in Montana or within 25 miles of Sidney, MT.

Deposit Rates - September 17, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Richland

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Loan Rates - September 17, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for RICHLAND

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
Morty, Inc.
NMLS ID: 1429243
2.559% 2.500% 0.75 $1,958 $988 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
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Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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BMO Harris Bank
BMO Harris Bank
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Intro APR
1.790 %
After Intro: 4.840 %
Intro Period: 6 months
$0 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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

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Richland Locations

Financial Details

Richland Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Richland. 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
Richland U.S. Average
2.13% 4.38

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 March 31, 2021, Richland had $10,835 in non-current loans and $300,000 in owned assets. To cover these potential losses it had $14,340,904 in net worth and $238,008 in loans loss reserves. That gives it a Texas Ratio of 2.13%.

Net Worth
Richland U.S. Average
14.17% 12.20%

Richland FCU has a net worth of 14.17% versus the BestCashCow average of 12.20. 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 Richland

Branches and Savings

What is Richland?

A federal credit union, registered with the NCUA under certificate #3391.
Learn more about credit unions here.

Is Richland 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. Richland is insured by the NCUA.

Who can join Richland?

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

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

Richland'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 Richland?

Richland has total capital of $14.34 million. Full information on Richland's financial position is located above.

Who owns Richland?

Credit Unions are owned by their members.

Where are Richland branches located?

See branch locations nearby.

Are Richland ATMs Open 24/7?

Do Richland ATMs accept cash deposits?

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

Does Richland have a mobile app?

Does Richland have mobile deposit?

Does Richland have quick pay?

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

Does Richland report to credit bureaus?

Does Richland use Chexsystems?

Does Richland use Equifax?

What is Richland's toll free phone number?

What is Richland's ACH Routing Number?

What is Richland's SWIFT code?

Where can I find Richland's wire transfer form?

What is the Richland address for deposits?

What Products Does Richland Offer

Does Richland offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Richland offer auto and RV loans?

Compare auto loan rates here.

Does Richland offer student loans or personal loans?

Compare personal loan rates here.

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