Credit union · NCUA insured
Whitefish Credit Union
A $2.1B credit union, the 259th largest of 4,329, headquartered in Whitefish, MT, with 64,905 members and 8 branches in Montana. Best rates: CDs 3.90% and savings 1.10% APY.
Whitefish Credit Union Carrot Score
84
Carrot Score
Higher than 66% of U.S. banks and credit unions
#1 of 7 in Kalispell, MT metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Whitefish Credit Union
- Headquarters
- 300 Baker Ave, Whitefish, MT 59937
- NCUA charter
- 61949
Branches
8 branches in Montana
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Montana
8 branches
Kalispell area · 4
- Whitefish OfficeMain office300 Baker Ave, Whitefish, MT 59937Directions
- Columbia Falls Office405 9th St W, Columbia Falls, MT 59912Directions
- Kalispell Office234 E Montana St, Kalispell, MT 59901Directions
- South Kalispell2000 US Hwy 93 S, Kalispell, MT 59901Directions
Eureka area · 1
- Eureka Office105 Dewey Ave, Eureka, MT 59917Directions
Missoula area · 1
- Missoula Office1635 S Russell St, Missoula, MT 59801Directions
Polson area · 1
- Lake County Office110 3rd Ave E, Polson, MT 59860Directions
Thompson Falls area · 1
- Sanders County Office107 Pond St, Thompson Falls, MT 59873Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.70% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.15% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.43% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $80 | $88 | — |
- CapitalNet worth ratio12.70%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.15%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.43%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$80Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more 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 Whitefish Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.