Credit union · NCUA insured
Montana Credit Union
Top CarrotA $358.9M credit union headquartered in Great Falls, MT, with 26,193 members and 4 branches in Montana. Best rates: CDs 3.50% and savings 0.80% APY.
Montana Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 84% of U.S. banks and credit unions
#1 of 9 in Great Falls, MT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Montana Credit Union
Montana Credit Union was established on November 18, 1940, following its seminal meeting as Great Falls Cooperators Credit Union under a Bureau of Federal Credit Union charter.
The credit union was formed to provide low-interest loans and a favorable rate of return for investors.
Operating four branches in Great Falls, the institution expanded its field of membership in 2022 to serve 44 counties across Montana.
- Headquarters
- 15 14th St S, Great Falls, MT 59401-3800
- NCUA charter
- 4164
Branches
4 branches in Montana
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Montana
4 branches
- 14th Street OfficeMain office15 14th St S, Great Falls, MT 59401Directions
- 10th Avenue Office2828 10th Ave S, Great Falls, MT 59405Directions
- 9th Street Office901 8th Ave S, Great Falls, MT 59405Directions
- North Office540 Smelter Ave NE, Great Falls, MT 59404Directions
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 | 12.53% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.26% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.00% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $78 | $76 | — |
- CapitalNet worth ratio12.53%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.26%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.00%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$78Peers’ 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 Montana Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.