Credit union · NCUA insured
Billings Federal Credit Union
Top CarrotA $218M credit union headquartered in Billings, MT, with 13,027 members and 4 branches in Montana. Best rates: CDs 3.90% and savings 0.50% APY.
Billings Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 97% of U.S. banks and credit unions
#1 of 12 in Billings, MT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Billings Federal Credit Union
Established in 1935 as a federally chartered credit union, Billings Federal Credit Union is a member-owned, not-for-profit financial cooperative.
Headquartered in Downtown Billings, the credit union serves 43 counties across Montana and three counties in Northern Wyoming.
- Headquarters
- 2522 4th Ave N, Billings, MT 59101-1316
- NCUA charter
- 887
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, attends school, or worships in 43 specified counties in Montana or 3 specified counties in Wyoming.
Family and household
- Membership is open to family members of eligible individuals.
Branches
4 branches in Montana
Loading map…
Montana
4 branches
- Billings FCUMain office2522 4th Ave N, Billings, MT 59101Directions
- 729 Henry Chapple St729 Henry Chapple St, Billings, MT 59106Directions
- Billings FCU990 Grand Ave, Billings, MT 59102Directions
- Billings FCU1516 Main St, Billings, MT 59105Directions
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 | 11.73% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.77% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.46% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $98 | $76 | — |
- CapitalNet worth ratio11.73%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.77%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.46%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$98Peers’ 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 Billings 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.