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 Montana Educators Credit Union Rates & Review November 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 and Verified: October 30, 2026
Montana Educators Credit Union's CD - 1 year rates are at 4.25%, CD - 2 years rates are at 3.75%, CD - 6 month rates are at 3.75%. Montana Educators Credit Union's savings rates are at 0.05%. Montana Educators Credit Union's money market rates are at 1.25%. Montana Educators Credit Union's checking rates are as high as 4.00%. Montana Educators Credit Union's Personal Loan Rates are as low as 10.00%. Montana Educators Credit Union's Credit Card Rates are at 7.90%. Montana Educators Credit Union's CD rates are 35% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 2.37%. Rates last updated and verified on 10/30/2026. 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  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. Montana Educators Credit Union CD Rates
Montana Educators Credit Union Savings Rates
Montana Educators Credit Union Money Market Rates
Montana Educators Credit Union Checking Rates
Montana Educators Credit Union Home Equity & HELOC
Montana Educators Credit Union Auto Loan Rates
Montana Educators Credit Union RV, Boat and Powersport Loan Rates
Montana Educators Credit Union Credit Card Rates
Montana Educators Credit Union Personal Loan Rates
Montana Educators Credit Union Other Rates
Financial Health HistoryMontana Educators Credit Union’s Texas Ratio fell from 4.02% in Q3 2023 to 2.37% 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
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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+ (99/100)
Texas Ratio
2.37%
Return on Assets (ROA)
0.7574%
Return on Equity (ROE)
7.5704%
Non-Performing Loans Ratio (NPL)
0.38%
Total Assets
35,344,847
Total Amount of Shares and Deposits
31,651,742
Total Shares and Deposits < 1 Year
31,645,149
Total Shares and Deposits 1 3 Years
6,593
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
939,386
Total Uninsured Shares and Deposits > $250K (F+J)
939,386
Total Insured Shares and Deposits > $250K (item 17 less item K)
30,712,356
Total Interest Expense (Sum of items 6 8)
272,535
Share Certificates
286
Number of Accounts for Share Drafts
962
Number of Accounts for Regular Shares
2,060
All other shares
132
Money Market Shares
39
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)
4,524,627
Total Liabilities
31,903,490
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Montana Educators Credit UnionDoes Montana Educators Credit Union offer CDs?Yes. Montana Educators Credit Union current CD rates include its CD - 1 year at 4.25% APY, its CD - 2 years at 3.75% APY and its CD - 6 month at 3.75% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Montana Educators Credit Union NCUA insured?Yes. Montana Educators Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Montana Educators Credit Union?The highest Montana Educators Credit Union CD rate is its CD - 1 year at 4.25% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Montana Educators Credit Union offer?Montana Educators Credit Union CD rates are 3.75% APY for a 6 month CD, 4.25% APY for a 12 month CD and 3.75% APY for a 2 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Montana Educators Credit Union for its full lineup. What is the highest savings rate at Montana Educators Credit Union?The highest Montana Educators Credit Union savings rate is its Montana Medical Savings at 0.05% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Montana Educators Credit Union?The highest Montana Educators Credit Union money market rate is its Money Market Account at 1.25% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest checking rate at Montana Educators Credit Union?The highest Montana Educators Credit Union checking rate is its Kasasa Cash Checking at 4.00% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest auto loan rate at Montana Educators Credit Union?The lowest Montana Educators Credit Union auto loan rate is its Vehicle Loan - 2017 and newer at 4.95% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Montana Educators Credit Union?The lowest Montana Educators Credit Union personal loan rate is its Personal Signature Loan at 10.00% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Montana Educators Credit Union?The lowest Montana Educators Credit Union credit card APR is its Visa Credit Card at 7.90% APR, verified by MonitorBankRates as of October 30, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Montana Educators Credit Union rates compare?Montana Educators Credit Union's CD rates are 35% higher than the MonitorBankRates national average, and it has an A+ health rating. Montana Educators Credit Union's top rates are its CD - 1 year at 4.25% APY, its Montana Medical Savings at 0.05% APY, its Money Market Account at 1.25% APY, its Kasasa Cash Checking at 4.00% APY, its Personal Signature Loan at 10.00% APR and its Visa Credit Card at 7.90% APR, verified by MonitorBankRates on October 30, 2026. Current Montana Educators Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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