Credit union · NCUA insured
Southwest Montana Community Federal Credit Union
A $202.6M credit union headquartered in Anaconda, MT, with 11,541 members and 5 branches in Montana. Best rates: CDs 4.06% and savings 0.80% APY.
Southwest Montana Community Federal Credit Union Carrot Score
84
Carrot Score
Higher than 66% of U.S. banks and credit unions
#3 of 10 in Butte, MT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Southwest Montana Community Federal Credit Union
Founded in 1941 as Anaconda Federal Credit Union by smeltermen in Anaconda, Montana, the institution was established to help workers manage their finances.
Today, it operates as a community-chartered credit union serving seven Montana counties, including Deer Lodge, Silver Bow, Granite, Powell, Jefferson, Beaverhead, and Madison.
The credit union maintains facilities in Anaconda and operates branch locations in Butte, Montana.
- Headquarters
- 1035 W Park Ave, Anaconda, MT 59711
- NCUA charter
- 4401
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This may be incomplete or out of date, so check with the credit union before you apply.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
- Individuals who live, work, worship, attend school, or perform volunteer services in Anaconda-Deer Lodge or Butte-Silver Bow Counties, Granite, Powell, Jefferson, Beaverhead, or Madison counties Montana are eligible to join.
Family and household
- Immediate family of individuals eligible through the community charter in specified Montana counties are eligible to join.
Branches
5 branches in Montana
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Montana
5 branches
Anaconda area · 1
- AnacondaMain office1035 W Park Ave, Anaconda, MT 59711Directions
Butte area · 1
- Butte1925 Elizabeth Warren Ave, Butte, MT 59701Directions
Dillon area · 1
- Dillon222 S Pacific St, Dillon, MT 59725Directions
Sheridan area · 1
- Sheridan103 S Main St, Sheridan, MT 59749Directions
Helena area · 1
- Whitehall9 N Main St, Whitehall, MT 59759Directions
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 | 11.63% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.85% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.13% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $62 | $76 | — |
- CapitalNet worth ratio11.63%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.85%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.13%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$62Peers’ 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 Southwest Montana Community 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.