Credit union · NCUA insured
SEG Federal Credit Union
A $25.5M credit union headquartered in Laurel, MT, with 1,992 members and 1 branch in Montana. Best rates: CDs 3.65% and savings 0.50% APY.
SEG Federal Credit Union Carrot Score
67
Carrot Score
Higher than 18% of U.S. banks and credit unions
#8 of 12 in Billings, MT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About SEG Federal Credit Union
Originally chartered in 1951 as Laurel NP Employees Federal Credit Union to serve Northern Pacific Railway Company employees and their families, the credit union was renamed Laurel BN in 1971 and SEG in 1985.
SEG Federal Credit Union is a member-owned cooperative headquartered in Laurel, Montana.
- Headquarters
- 617 SE 4th St, Laurel, MT 59044-3307
- NCUA charter
- 7405
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Persons who live, work, worship, or attend school in Carbon or Stillwater County are eligible for membership.
Employers and groups
- Employees of a Select Employee Group located in Laurel, Montana are eligible for membership.
Family and household
- Persons who have a relative who is a member of SEG Federal Credit Union are eligible for membership.
Branches
1 branch in Montana
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Montana
1 branch
- SEG Federal Credit UnionMain office617 SE 4th St, Laurel, MT 59044Directions
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 | 12.63% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.75% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.85% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $79 | $59 | — |
- CapitalNet worth ratio12.63%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.75%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.85%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$79Peers’ 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 SEG Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.