Credit union · NCUA insured
Community 1st Credit Union
A $44.1M credit union headquartered in Miles City, MT, with 3,924 members and 2 branches in Montana. Best rates: CDs 3.82% and savings 0.75% APY.
Community 1st Credit Union Carrot Score
80
Carrot Score
Higher than 53% of U.S. banks and credit unions
#23 of 47 in MontanaHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Community 1st Credit Union
Originally formed under a multiple group charter in 1953 as Miles City US Employees Federal Credit Union, the institution originally served local federal employees and their families.
The mission of Community 1st Federal Credit Union is to advance members' financial goals and promote the best interests of the community.
- Headquarters
- 2905 Main St, Miles City, MT 59301
- NCUA charter
- 8588
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This may be incomplete or out of date, so check with the credit union before you apply.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 includes residents of the community charter area encompassing Custer, Rosebud, Garfield, Powder River, and Prairie counties.
Branches
2 branches in Montana
Loading map…
Montana
2 branches
Miles City area · 1
- Main OfficeMain office2905 Main St, Miles City, MT 59301Directions
Ekalaka area · 1
- Ekalaka Branch104 S Main St, Ekalaka, MT 59324Directions
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 | 11.14% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.60% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.80% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $91 | $59 | — |
- CapitalNet worth ratio11.14%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.60%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.80%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$91Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Community 1st Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.