Credit union · NCUA insured
Intrepid Credit Union
A $310.5M credit union headquartered in Helena, MT, with 18,704 members and 6 branches in Montana. Best rates: CDs 3.70% and savings 0.65% APY.
Intrepid Credit Union Carrot Score
75
Carrot Score
Higher than 40% of U.S. banks and credit unions
#4 of 10 in Helena, MT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Intrepid Credit Union
Established in Helena in 1936 as Helena U.S. Employees Federal Credit Union, Intrepid Credit Union has expanded its field of membership through several subsequent name changes.
The credit union changed its name in 2002 to Helena Community Credit Union before eventually becoming Intrepid Credit Union.
- Headquarters
- 50 W 14th St, Helena, MT 59601-3443
- NCUA charter
- 68495
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This may be incomplete or out of date, so check with the credit union before you apply.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 individuals who live within the field of membership counties (Broadwater, Cascade, Deer Lodge, Gallatin, Jefferson, Lewis and Clark, Powell, Silver Bow, Yellowstone, Stillwater, Sweet Grass, Park, Madison, Beaverhead, Ravalli, Granite, Missoula, Lake, Flathead).
- Membership is open to individuals who work within the serviced counties.
- Membership is open to individuals who worship within the serviced counties.
Employers and groups
- Membership is open to employees, independent contractors, or self-employed persons who work regularly in the health care industry in the State of Montana.
- Membership is open to members of the Montana Dental Association.
Military, government and schools
- Membership is open to active military members or veterans who live or are stationed in the state of Montana.
1 more way to join
Family and household
- Membership is open to immediate family members (spouse, child, sibling, parent, grandparent, or grandchild, including stepparents, stepchildren, stepsiblings, and adoptive relationships) of a current member in good standing.
Cost to join
- Opening a regular share savings account requires a $20 minimum deposit to become a member.
Branches
6 branches in Montana
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Montana
6 branches
Helena area · 3
- Helena - Kessler915 Kessler St, Helena, MT 59601Directions
- Helena - Prospect1930 Prospect Ave, Helena, MT 59601Directions
- Helena - Sanders3150 N Sanders St, Helena, MT 59602Directions
Billings area · 2
- Billings - 27th Street1131 N 27th St, Billings, MT 59101Directions
- Billings - Shiloh2526 Shiloh Rd, Billings, MT 59106Directions
Bozeman area · 1
- Bozeman - Jacob's Crossing424 E Main St Ste 102B, Bozeman, MT 59715Directions
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 | 11.06% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.44% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.68% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $79 | $76 | — |
- CapitalNet worth ratio11.06%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.44%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.68%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$79Peers’ 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 Intrepid Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.