Credit union · Privately insured
Rocky Mountain Credit Union
A $424.3M credit union headquartered in Helena, MT, with 25,993 members and 6 branches in Montana. Best rates: CDs 4.00% and savings 1.11% APY.
Rocky Mountain Credit Union Carrot Score
79
Carrot Score
Higher than 49% of U.S. banks and credit unions
#4 of 12 in Bozeman, MT metroHow the score works →
Deposits are privately insured, not by the federal government.
About Rocky Mountain Credit Union
Rocky Mountain Credit Union is a not-for-profit, member-owned financial institution serving Montana members since 1940.
Based in Southwest Montana, the credit union operates six branch locations across Bozeman, Belgrade, Helena, Butte, and other charter-covered areas.
- Headquarters
- 3400 N Montana Ave, Helena, MT 59602
- NCUA charter
- 97110
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Eligibility is open to individuals who live, work, or worship in specified Montana counties.
Employers and groups
- Eligibility is open to employees of select partner businesses and organizations.
Military, government and schools
- Eligibility is open to alumni of Montana State University.
- Eligibility is open to employees of the State of Montana.
Family and household
- Eligibility is open to relatives of current members.
Cost to join
- A $20.00 share deposit is required to establish membership.
Branches
6 branches in Montana
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Montana
6 branches
Bozeman area · 3
- Thunder Branch101 Thunder Rd, Belgrade, MT 59714Directions
- Baxter Branch1840 Baxter Dr, Bozeman, MT 59715Directions
- Bozeman Branch8645 Huffine Ln, Bozeman, MT 59718Directions
Helena area · 2
- North MontanaMain office3400 N Montana Ave, Helena, MT 59602Directions
- 11th Avenue Branch1820 11th Ave, Helena, MT 59601Directions
Butte area · 1
- Butte Branch2101 Yale Ave, Butte, MT 59701Directions
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 | 8.74% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.15% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.17% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $74 | $76 | — |
- CapitalNet worth ratio8.74%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.15%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.17%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$74Peers’ 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 Rocky Mountain Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.