Credit union · NCUA insured
1st Liberty Federal Credit Union
Top CarrotA $217.5M credit union headquartered in Great Falls, MT, with 14,437 members and 7 branches in Montana. Best rates: CDs 3.45% and savings 0.85% APY.
1st Liberty Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 79% of U.S. banks and credit unions
#2 of 9 in Great Falls, MT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About 1st Liberty Federal Credit Union
- Headquarters
- 6200 3rd Ave N, Great Falls, MT 59405-1528
- NCUA charter
- 10375
Branches
7 branches in Montana
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Montana
7 branches
Great Falls area · 4
- Robert H Scott BranchMain office6200 3rd Ave N, Great Falls, MT 59405Directions
- 10th Avenue South Branch505 10th Ave S, Great Falls, MT 59405Directions
- Riverview Branch401 Smelter Ave NE, Great Falls, MT 59404Directions
- Malmstrom AFB Branch228 75th St N Bldg 1082, Malmstrom AFB, MT 59402Directions
Conrad area · 1
- Conrad202 S Main St, Conrad, MT 59425Directions
Cut Bank area · 1
- Cut Bank310 W Main St, Cut Bank, MT 59427Directions
Shelby area · 1
- Shelby Branch121 1st Ave SE, Shelby, MT 59474Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.43% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.28% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.49% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $51 | $76 | — |
- CapitalNet worth ratio14.43%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.28%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.49%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$51Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of 1st Liberty Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.