Credit union · NCUA insured
Montana Educators' Credit Union
A $35.2M credit union headquartered in Missoula, MT, with 1,661 members and 1 branch in Montana. Best rates: CDs 4.25% and savings 0.50% APY.
Montana Educators' Credit Union Carrot Score
80
Carrot Score
Higher than 53% of U.S. banks and credit unions
#5 of 11 in Missoula, MT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Montana Educators' Credit Union
Montana Educators' Credit Union began in 1996 as a school employees credit union and is a not-for-profit credit union owned by the Montana members it serves.
The credit union proudly serves Western Montana, including Missoula, Granite, Lake, Mineral, Ravalli, and Sanders counties.
- Headquarters
- 2000 S Russell St, Missoula, MT 59801-6658
- NCUA charter
- 68190
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This may be incomplete or out of date, so check with the credit union before you apply.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 all residents of Missoula, Granite, Lake, Mineral, Ravalli, and Sanders counties.
Family and household
- Membership is open to families of current MECU members.
Branches
1 branch in Montana
Loading map…
Montana
1 branch
- Main OfficeMain office2000 S Russell St, Missoula, MT 59801Directions
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 | 10.01% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.38% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.54% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $70 | $59 | — |
- CapitalNet worth ratio10.01%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.38%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.54%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$70Peers’ 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 Montana Educators' Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.