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Advertiser Disclosure
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 San Juan Mountains Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 5, 2026
San Juan Mountains Credit Union's Personal Loan Rates are at 9.75%. MonitorBankRates evaluates the financial stability of San Juan Mountains Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.34%. Rates were last updated on 04/05/2026. San Juan Mountains Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at San Juan Mountains Credit Union? Share your experience about San Juan Mountains Credit Union by leaving a review below, or read customer reviews before you decide to use San Juan Mountains Credit Union. San Juan Mountains Credit Union
San Juan Mountains Credit Union 1400 E Main St
https://www.sjmcu.com Montrose, CO 81401 
San Juan Mountains Credit Union Auto Loan Rates
San Juan Mountains Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for San Juan Mountains Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather San Juan Mountains Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with San Juan Mountains Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
San Juan Mountains Credit Union
Website
https://www.sjmcu.com
Address
1400 E Main St,
Montrose, CO 81401
Phone
970-249-5319
Fax
970-249-1377
President
PAUL MCDERMOTT
CEO
Tara Salazar
Full-Time Employees
10
Part-Time Employees
0
Branch Locations
2
ATM Locations
1
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.34%
Return on Assets (ROA)
0.7961%
Return on Equity (ROE)
7.4661%
Non-Performing Loans Ratio (NPL)
0.06%
Total Assets
58,380,655
Total Amount of Shares and Deposits
51,963,966
Total Shares and Deposits < 1 Year
49,117,075
Total Shares and Deposits 1 3 Years
2,453,525
Total Shares and Deposits > 3 Years
393,366
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,788,221
Total Uninsured Shares and Deposits > $250K (F+J)
2,788,221
Total Insured Shares and Deposits > $250K (item 17 less item K)
49,175,745
Total Interest Expense (Sum of items 6 8)
408,899
Share Certificates
305
Number of Accounts for Share Drafts
2,544
IRA KEOGH Accounts
46
Number of Accounts for Regular Shares
4,755
All other shares
185
Money Market Shares
451
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,977,198
Total Liabilities
52,179,871
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About San Juan Mountains Credit UnionIs San Juan Mountains Credit Union a safe place to deposit money?Yes, San Juan Mountains Credit Union is considered a safe financial institution. With a Texas Ratio of 0.34278083826679%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does San Juan Mountains Credit Union operate?San Juan Mountains Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join San Juan Mountains Credit Union?Yes, to access services at San Juan Mountains Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, San Juan Mountains Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, San Juan Mountains Credit Union provides members with tools to manage their accounts and build a solid financial history. Does San Juan Mountains Credit Union offer online and mobile banking?Most modern institutions like San Juan Mountains Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.sjmcu.com. Compare to Other Credit Unions
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