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 Montana Educators 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.
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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: March 24, 2026
Montana Educators Credit Union's 6 month CDs rates are at 3.60%, 2 years CDs rates are at 3.25%. Montana Educators Credit Union's savings rates are at 0.05%. Montana Educators Credit Union's money market rates are at 0.50%. Montana Educators Credit Union's Personal Loan Rates are at 10.00%. MonitorBankRates evaluates the financial stability of Montana Educators Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.94%. Rates were last updated on 03/24/2026. Montana Educators 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 Montana Educators Credit Union? Share your experience about Montana Educators Credit Union by leaving a review below, or read customer reviews before you decide to use Montana Educators Credit Union. Montana Educators Credit Union
Main Office 2000 S Russell St
https://www.mtedcu.org Missoula, MT 59801 6658 
Montana Educators Credit Union CD Rates
Montana Educators Credit Union Savings Rates
Montana Educators Credit Union Money Market Rates
Montana Educators Credit Union Home Equity & HELOC
Montana Educators Credit Union Credit Card Rates
Montana Educators Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Montana Educators 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 Montana Educators 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 Montana Educators Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Montana Educators Credit Union
Website
https://www.mtedcu.org
Address
2000 S Russell St,
Missoula, MT 59801 6658
Phone
406-728-1034
Fax
406-721-6125
President
Carla Getz
CEO
Leslie Womack
Full-Time Employees
5
Part-Time Employees
0
Branch Locations
1
ATM Locations
0
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.94%
Return on Assets (ROA)
1.0034%
Return on Equity (ROE)
10.5031%
Non-Performing Loans Ratio (NPL)
0.64%
Total Assets
32,935,274
Total Amount of Shares and Deposits
29,585,942
Total Shares and Deposits < 1 Year
29,585,942
Total Insured Shares and Deposits > $250K (item 17 less item K)
29,585,942
Total Interest Expense (Sum of items 6 8)
392,913
Share Certificates
264
Number of Accounts for Share Drafts
984
Number of Accounts for Regular Shares
2,123
All other shares
111
Money Market Shares
43
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
1,404,471
Total Liabilities
29,883,920
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Montana Educators Credit UnionIs Montana Educators Credit Union a safe place to deposit money?Yes, Montana Educators Credit Union is considered a safe financial institution. With a Texas Ratio of 4.9449213509501%, 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 Montana Educators Credit Union operate?Montana Educators 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 Montana Educators Credit Union?Yes, to access services at Montana Educators 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, Montana Educators 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, Montana Educators Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Montana Educators Credit Union offer online and mobile banking?Most modern institutions like Montana Educators 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.mtedcu.org. Current Montana Educators Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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