What are the current interest rates at Butte Community Federal Credit Union?

Current rates for Butte Community Federal Credit Union include: 12-Month CD: 0.20%, Savings: 0.05%

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Butte Community Federal Credit Union

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Butte Community Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Butte Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Butte Community Federal Credit Union's top rates as of October 9, 2026 are 0.20% APY on its 12 Month CD, 0.05% APY on savings, and personal loans from 11.00% APR, according to rates verified by MonitorBankRates. Other Butte Community Federal Credit Union CD rates include 6 Month CD at 0.15%, and 9 Month CD at 0.15%. MonitorBankRates evaluates the financial stability of Butte Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.57%. Rates last updated and verified on 10/09/2026.

Butte Community Federal 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 Butte Community Federal Credit Union? Share your experience about Butte Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Butte Community Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.57%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Butte Community Federal Credit Union
Main Office

2901 Grand Ave
Butte, MT 59701-5172

https://www.buttecommunityfcu.com

Customer Reviews

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Butte Community Federal Credit Union CD Rates

Product	Rate	APY	Term
12 Month Share Certificate	0.20%	0.20%	12 months
Min Balance $100,001 Details Balance: $100,001 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.20% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
6 Month Share Certificate	0.15%	0.15%	6 months
Min Balance $100,001 Details Balance: $100,001 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
9 Month Share Certificate	0.15%	0.15%	9 months
Min Balance $100,001 Details Balance: $100,001 and over Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%

Butte Community Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity	-	-	5.50%	144 months
Details Up to 12 Years Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Home Equity	-	-	5.75%	180 months
Details 13 to 15 Years Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Home Equity	-	-	6.00%	240 months
Details 16 to 20 Years Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%

Butte Community Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New Recreation Vehicles Loan	-	-	4.75%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
New Vehicles Loan	-	-	4.75%	48 months
Details All Rates are subject to change without notice. Some restrictions may apply. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
New Recreation Vehicles Loan	-	-	5.00%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
New Vehicles Loan	-	-	5.00%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
New Recreation Vehicles Loan	-	-	5.25%	72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
New Vehicles Loan	-	-	5.25%	72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
New Recreation Vehicles Loan	-	-	5.50%	84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
New Vehicles Loan	-	-	5.50%	84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
New Recreation Vehicles Loan	-	-	5.75%	96 months
Details Minimum $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Used Recreation Vehicles Loan	-	-	5.75%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Used Vehicles Loan	-	-	5.75%	48 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 5.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
New Recreation Vehicles Loan	-	-	6.00%	108 months
Details Minimum $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Used Recreation Vehicles Loan	-	-	6.00%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Used Vehicles Loan	-	-	6.00%	60 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
New Recreation Vehicles Loan	-	-	6.25%	120 months
Details Minimum $10,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Used Recreation Vehicles Loan	-	-	6.25%	72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Used Vehicles Loan	-	-	6.25%	72 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
New Recreation Vehicles Loan	-	-	6.50%	180 months
Details Minimum $50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%

Butte Community Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	11.00%	Up to 84 months
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%

Butte Community Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Christmas Loans	-	-	11.00%	12 months
Details Christmas Loans - Available November 1st thru January 31st each year Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Line of Credit (LOC)	-	-	9.00%	Up to 120 months
Details Published APR range: 9.00% - 10.50%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
PC Loans/Laptops	-	-	11.00%	24 months
Details Effective May 1, 2006 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 11.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
SHORT TERM SMALL AMOUNT Loan	-	-	24.00%	6 months
Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 24.00% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Christmas Club	0.15%	-	0.15%	0 months
Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Coverdell Educational IRA	0.10%	-	0.10%
Min Balance $0 Details Balance: $.01 - over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Misc. Savings (Vacation, Insurance, Misc. and Escrow) - Over (Vacation, Insurance, Misc. and Escrow)	0.05%	-	0.05%	0 months
Details $.01 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Regular Savings	0.05%	-	0.05%	0 months
Details $.01 Last Updated 10/09/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Roth IRA	0.10%	-	0.10%
Min Balance $0 Details Balance: $.01 - 10,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Roth IRA	0.15%	-	0.15%
Min Balance $10,000 Details Balance: $10,000.01 - 20,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Roth IRA	0.20%	-	0.20%
Min Balance $20,000 Details Balance: $20,000.01 - 30,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Roth IRA	0.25%	-	0.25%
Min Balance $30,000 Details Balance: $30,000.01 - over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Traditional IRA	0.10%	-	0.10%
Min Balance $0 Details Balance: $.01 - 10,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Traditional IRA	0.15%	-	0.15%
Min Balance $10,000 Details Balance: $10,000.01 - 20,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Traditional IRA	0.20%	-	0.20%
Min Balance $20,000 Details Balance: $20,000.01 - 30,000.00 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%
Traditional IRA	0.25%	-	0.25%
Min Balance $30,000 Details Balance: $30,000.01 - over Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.57%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Butte Community Federal Credit Union’s Texas Ratio fell from 5.13% in Q3 2023 to 3.57% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$38M	3.57%	5.0	A+
March 31, 2026	$37M	0.18%	5.0	A+
December 31, 2025	$35M	0.91%	5.0	A+
September 30, 2025	$34M	1.03%	5.0	A+
June 30, 2025	$33M	0.22%	5.0	A+
March 31, 2025	$33M	0.02%	5.0	A+
December 31, 2024	$31M	0.99%	5.0	A+
September 30, 2024	$30M	0.02%	5.0	A+
June 30, 2024	$29M	0.89%	5.0	A+
March 31, 2024	$30M	1.73%	5.0	A+
December 31, 2023	$30M	5.92%	5.0	A+
September 30, 2023	$30M	5.13%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Butte Community Federal 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 Butte Community Federal 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 Butte Community Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Butte Community Federal Credit Union

Website https://www.buttecommunityfcu.com

Address 2901 Grand Ave, Butte, MT 59701-5172

Phone 406-723-8284

Fax 406-723-3679

President Pat Kenney

CEO Karen Mandic

Full-Time Employees 8

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.57%

Return on Assets (ROA)

0.0882%

Return on Equity (ROE)

1.1224%

Non-Performing Loans Ratio (NPL)

0.41%

Total Assets

37,655,250

Total Amount of Shares and Deposits

34,240,826

Total Shares and Deposits < 1 Year

34,240,826

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

1,039,215

Total Uninsured Shares and Deposits > $250K (F+J)

1,039,215

Total Insured Shares and Deposits > $250K (item 17 less item K)

33,201,611

Total Interest Expense (Sum of items 6 8)

128,265

Share Certificates

159

Number of Accounts for Share Drafts

1,559

IRA KEOGH Accounts

Number of Accounts for Regular Shares

2,784

All other shares

304

Net Income (unless the amount is already included in Undivided Earnings)

80,451

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,904,220

Total Liabilities

34,697,736

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Butte Community Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Butte Community Federal Credit Union

How many branches does Butte Community Federal Credit Union operate?

Butte Community Federal 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 Butte Community Federal Credit Union?

Yes, to access services at Butte Community Federal 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, Butte Community Federal 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, Butte Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Butte Community Federal Credit Union offer online and mobile banking?

Most modern institutions like Butte Community Federal 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.buttecommunityfcu.com.