What are the current interest rates at Montana Federal Credit Union?

Current rates for Montana Federal Credit Union include: 12-Month CD: 3.50%, 18-Month CD: 3.50%, 24-Month CD: 3.50%, Savings: 3.00%, MMA: 1.00%

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Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

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Montana Federal Credit Union

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Montana Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Montana Federal Credit Union?

Yes, to access services at Montana 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Montana 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 12, 2026

Montana Federal Credit Union's top rates as of October 12, 2026 are 6.00% APY on its 10 Month FYI CD, 3.00% APY on savings, 1.00% APY on money market accounts, 4.00% APY on checking, and personal loans from 9.50% APR, according to rates verified by MonitorBankRates. Other Montana Federal Credit Union CD rates include 12 Month CD at 3.50%, 18 Month CD at 3.50%, and 24 Month CD at 3.50%. MonitorBankRates evaluates the financial stability of Montana Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.38%. Rates last updated and verified on 10/12/2026.

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

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.38%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Montana Federal Credit Union
14th Street Office

15 14th St S
Great Falls, MT 59401-3800

https://www.montanacu.com

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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 Federal Credit Union CD Rates

Product	Rate	APY	Term
10 Month FYI Share Certificate	5.841%	6.00%	10 month
Min Deposit $100 Details FYI share certificate is limited to account holders ages 13 - 17. This share has a minimum opening deposit of $100 and a maximum deposit amount of $1,000. Rates and terms are valid for both share certificates and IRA share certificates. Early withdrawal penalties apply. Fees may reduce earnings. Other rates and terms available. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 6.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
12 Month Share Certificate	3.445%	3.50%	12 month
Min Deposit $1,000 Details Rates and terms are valid for both share certificates and IRA share certificates. Early withdrawal penalties apply. Fees may reduce earnings. Other rates and terms available. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
18 Month Share Certificate	3.445%	3.50%	18 month
Min Deposit $1,000 Details Rates and terms are valid for both share certificates and IRA share certificates. Early withdrawal penalties apply. Fees may reduce earnings. Other rates and terms available. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
24 Month Share Certificate	3.445%	3.50%	24 month
Min Deposit $1,000 Details Rates and terms are valid for both share certificates and IRA share certificates. Early withdrawal penalties apply. Fees may reduce earnings. Other rates and terms available. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
30 Month Share Certificate	3.445%	3.50%	30 month
Min Deposit $1,000 Details Rates and terms are valid for both share certificates and IRA share certificates. Early withdrawal penalties apply. Fees may reduce earnings. Other rates and terms available. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
36 Month Share Certificate	3.445%	3.50%	36 month
Min Deposit $1,000 Details Rates and terms are valid for both share certificates and IRA share certificates. Early withdrawal penalties apply. Fees may reduce earnings. Other rates and terms available. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
48 Month Share Certificate	3.445%	3.50%	48 month
Min Deposit $1,000 Details Rates and terms are valid for both share certificates and IRA share certificates. Early withdrawal penalties apply. Fees may reduce earnings. Other rates and terms available. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
6 Month Share Certificate	3.445%	3.50%	6 month
Min Deposit $1,000 Details Rates and terms are valid for both share certificates and IRA share certificates. Early withdrawal penalties apply. Fees may reduce earnings. Other rates and terms available. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%

Montana Federal Credit Union Savings Rates

Product	Rate	APY
Peak Rewards Savings	2.96%	3.00%
Min Balance $0 Details Qualifications Required: 1 bill pay or ACH payment transaction; 12 debit card purchases; Be enrolled in and review eStatements; Balance: Balances up to $10,000 Last Updated 10/12/2026 Rate History 1 change since Oct 4, 2026 · 0.01% → 3.00% ▲ 2.99 pts · high 3.00% / low 0.01% Oct 8, 20263.00%▲ from 0.01% Oct 4, 20260.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Peak Rewards Savings	-	3.00%
Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balances up to $10,000 earn 3.00% APY. Balances over $10,000 earn 0.01% dividends rate on portion of balance over $10,000, resulting in 3.00% to 0.28% APY depending on the balance. If qualifications are not met on Peak Rewards Checking, all balances in Peak Rewards Savings earn 0.01% APY. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Christmas Club Savings	0.995%	1.00%
Min Deposit $0 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
IRA Savings	0.995%	1.00%
Min Deposit $100 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
FYI Savings	0.01%	0.01%
Min Deposit $25 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Member Savings	0.01%	0.01%
Min Deposit $25 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Peak Rewards Savings	0.01%	0.01%
Min Balance $0 Details All balances if qualifications not met Last Updated 10/12/2026 Rate History 2 changes since Oct 4, 2026 · 0.01% → 0.01% ▼ 0.00 pts · high 3.00% / low 0.01% Oct 12, 20260.01%▼ from 3.00% Oct 8, 20263.00%▲ from 0.01% Oct 4, 20260.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Pee Wee Penguin Savings	0.01%	0.01%
Min Deposit $25 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
WINcentive Savings	0.01%	0.01%
Min Deposit $5 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%

Montana Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	0.995%	1.00%
Min Balance $75,000 Details Balance: $75,000+ Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Money Market Account	0.896%	0.90%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Money Market Account	0.797%	0.80%
Min Balance $2,500 Details Balance: $2,500 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.80% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Money Market Account	0.698%	0.70%
Min Balance $0 Details Balance: $0 - $2,499.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%

Montana Federal Credit Union Checking Rates

Product	Rate	APY	View More
Peak Rewards Checking	3.928%	4.00%
Min Deposit $0 Details Minimum: $0 but must have $25 in Member Savings account; Qualifications Required: At least 1 bill pay or ACH payment transaction; At least 12 debit card purchases; Be enrolled in and agree to receive eStatements; Daily balances up to and including $10,000 earn 3.928% rate; daily balances over $10,000 earn 0.01% rate. Reimbursements up to $10 for ATM fees. When qualifications are not met, dividend rate is 0.01% APR, 0.01% APY. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%

Montana Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit	-	-	6.99%
Details This promotional rate for Home Equity Lines of Credit is effective July 22, 2024. This rate is available for 1st and 2nd lien positions. Please see lender for details. Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%

Montana Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans (2023 and newer) - Up to 60 months	-	-	3.99%	Up to 60 months
Details OAC; Rates effective August 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $30,000 loan: $552.41 at 3.99% APR with a 60 month term; $466.50 at 4.99% APR with a 75 month term; $438.19 at 5.99% APR with an 84 month term; and $408.96 at 6.99% APR with a 96 month term. Our APR may differ based on your loan amount, repayment method, and other factors. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 3.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Auto Loans (2022 or older)	-	-	4.49%	Up to 36 months
Details As Low As; OAC Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Auto Loans (2022 or older)	-	-	4.99%	Up to 60 months
Details As Low As; OAC Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 4.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Auto Loans (2023 and newer) - 61 to 75 months	-	-	4.99%	61 to 75 months
Details OAC; Rates effective August 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $30,000 loan: $552.41 at 3.99% APR with a 60 month term; $466.50 at 4.99% APR with a 75 month term; $438.19 at 5.99% APR with an 84 month term; and $408.96 at 6.99% APR with a 96 month term. Our APR may differ based on your loan amount, repayment method, and other factors. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 4.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Auto Loans (2022 or older)	-	-	5.49%	Up to 75 months
Details As Low As; OAC Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Auto Loans (2023 and newer) - 76 to 84 months	-	-	5.99%	76 to 84 months
Details OAC; Rates effective August 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $30,000 loan: $552.41 at 3.99% APR with a 60 month term; $466.50 at 4.99% APR with a 75 month term; $438.19 at 5.99% APR with an 84 month term; and $408.96 at 6.99% APR with a 96 month term. Our APR may differ based on your loan amount, repayment method, and other factors. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Auto Loans (2022 or older)	-	-	6.24%	Up to 84 months
Details As Low As; OAC Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Auto Loans (2023 and newer) - 85 to 96 months	-	-	6.99%	85 to 96 months
Details OAC; Rates effective August 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $30,000 loan: $552.41 at 3.99% APR with a 60 month term; $466.50 at 4.99% APR with a 75 month term; $438.19 at 5.99% APR with an 84 month term; and $408.96 at 6.99% APR with a 96 month term. Our APR may differ based on your loan amount, repayment method, and other factors. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Auto Loans (2022 or older)	-	-	7.99%	Up to 60 months
Details As Low As; 2015 or older vehicles; OAC Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%

Montana Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loans (2023 and newer)	-	7.49%	Up to 72 months
Details OAC Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Recreational Vehicle Loans (2022 or older)	-	7.74%	Up to 72 months
Details Year: 2016 to 2022; OAC Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Recreational Vehicle Loans (2023 and newer)	-	7.99%	73-120 months
Details OAC Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Recreational Vehicle Loans (2022 or older)	-	8.24%	73-120 months
Details Year: 2016 to 2022; OAC Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Recreational Vehicle Loans (2022 or older)	-	8.49%	Up to 72 months
Details Year: 2015 and older; OAC Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 7.74% → 8.49% ▲ 0.75 pts · high 8.49% / low 7.74% Oct 12, 20268.49%▲ from 7.74% Sep 16, 20267.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Recreational Vehicle Loans (2022 or older)	-	8.99%	73-120 months
Details Year: 2015 and older; OAC Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 8.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Recreational Vehicle Loans (2022 or older)	-	9.99%	121-156 months
Details Year: 2016 to 2022; OAC Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Recreational Vehicle Loans (2023 and newer)	-	9.99%	121-180 months
Details OAC Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Recreational Vehicle Loans (2022 or older)	-	10.49%	121-144 months
Details Year: 2015 and older; OAC Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 10.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%

Montana Federal Credit Union Personal Loan Rates

Product	APR	Term
Line of Credit (Personal)	9.50%
Details Variable; Personal line of credit rate is based on the Wall Street Journal prime rate plus six percent. Rate, terms and conditions are subject to change based on market conditions. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Personal Loan (25-36 months)	10.99%	25-36 months
Details As Low As; Rates effective January 19, 2023. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Payment example based on a $2,000 loan: $93.20 at 10.99% APR with a 24 month term; $65.47 at 10.99% APR with a 36 month term; and $52.66 at 11.99% APR with a 48 month term. Your APR may differ based on your loan amount, repayment method, and other factors. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 10.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Personal Loan (up to 24 months)	10.99%	24 months
Details As Low As; Rates effective January 19, 2023. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Payment example based on a $2,000 loan: $93.20 at 10.99% APR with a 24 month term; $65.47 at 10.99% APR with a 36 month term; and $52.66 at 11.99% APR with a 48 month term. Your APR may differ based on your loan amount, repayment method, and other factors. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 10.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Personal Loan (37-48 months)	11.99%	37-48 months
Details As Low As; Rates effective January 19, 2023. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Payment example based on a $2,000 loan: $93.20 at 10.99% APR with a 24 month term; $65.47 at 10.99% APR with a 36 month term; and $52.66 at 11.99% APR with a 48 month term. Your APR may differ based on your loan amount, repayment method, and other factors. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 11.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%

Montana Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
2015 or older or high mileage Loan	-	-	8.49%	Up to 60 months
Details As Low As*; Rates apply to utility and side-by-side ATVs, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective August 1, 2026. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $10,000 loan: $232.55 at 5.49% APR with a 48 month term; $193.31 at 5.99% APR with a 60 month term; and $170.48 at 6.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
2016 to 2022 (mileage limitations) Loan	-	-	6.49%	Up to 48 months
Details As Low As*; Rates apply to utility and side-by-side ATVs, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective August 1, 2026. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $10,000 loan: $232.55 at 5.49% APR with a 48 month term; $193.31 at 5.99% APR with a 60 month term; and $170.48 at 6.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors. Mileage Limitations: motorcycles under 15,000 miles; ATVs under 500 hours; snowmobiles under 5,000 miles. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
2016 to 2022 (mileage limitations) Loan	-	-	6.74%	49-60 months
Details As Low As*; Rates apply to utility and side-by-side ATVs, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective August 1, 2026. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $10,000 loan: $232.55 at 5.49% APR with a 48 month term; $193.31 at 5.99% APR with a 60 month term; and $170.48 at 6.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors. Mileage Limitations: motorcycles under 15,000 miles; ATVs under 500 hours; snowmobiles under 5,000 miles. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
2016 to 2022 (mileage limitations) Loan	-	-	7.74%	61-72 months
Details As Low As*; Rates apply to utility and side-by-side ATVs, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective August 1, 2026. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $10,000 loan: $232.55 at 5.49% APR with a 48 month term; $193.31 at 5.99% APR with a 60 month term; and $170.48 at 6.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors. Mileage Limitations: motorcycles under 15,000 miles; ATVs under 500 hours; snowmobiles under 5,000 miles. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
2023 and newer (mileage limitations) Loan	-	-	5.49%	Up to 48 months
Details As Low As*; Rates apply to utility and side-by-side ATVs, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective August 1, 2026. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $10,000 loan: $232.55 at 5.49% APR with a 48 month term; $193.31 at 5.99% APR with a 60 month term; and $170.48 at 6.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors. Mileage Limitations: motorcycles under 10,000 miles; ATVs under 200 hours; snowmobiles under 3,000 miles. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
2023 and newer (mileage limitations) Loan	-	-	5.99%	49-60 months
Details As Low As*; Rates apply to utility and side-by-side ATVs, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective August 1, 2026. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $10,000 loan: $232.55 at 5.49% APR with a 48 month term; $193.31 at 5.99% APR with a 60 month term; and $170.48 at 6.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors. Mileage Limitations: motorcycles under 10,000 miles; ATVs under 200 hours; snowmobiles under 3,000 miles. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
2023 and newer (mileage limitations) Loan	-	-	6.99%	61-72 months
Details As Low As*; Rates apply to utility and side-by-side ATVs, street-legal motorcycles, snowmobiles, off-road vehicles, and personal watercraft. Rates effective August 1, 2026. APR is defined as Annual Percentage Rate. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment example based on a $10,000 loan: $232.55 at 5.49% APR with a 48 month term; $193.31 at 5.99% APR with a 60 month term; and $170.48 at 6.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors. Mileage Limitations: motorcycles under 10,000 miles; ATVs under 200 hours; snowmobiles under 3,000 miles. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Other Collateral - 2022 and older Loan	-	-	7.99%	Up to 48 months
Details Rates apply to skid loaders, tractors, lawn mowers, golf carts or similar. APR is defined as Annual Percentage Rate. Rates effective August 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment exampled based on a a $5,000 loan: $225.00 at 7.49% APR with a 24 month term; $120.89 at 7.49% APR with a 48 month term; and $87.66 at 7.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors. As Low As* Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Other Collateral - 2023 and newer Loan	-	-	7.49%	Up to 24 months
Details Rates apply to skid loaders, tractors, lawn mowers, golf carts or similar. APR is defined as Annual Percentage Rate. Rates effective August 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment exampled based on a a $5,000 loan: $225.00 at 7.49% APR with a 24 month term; $120.89 at 7.49% APR with a 48 month term; and $87.66 at 7.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors. As Low As* Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Other Collateral - 2023 and newer Loan	-	-	7.49%	25-48 months
Details Rates apply to skid loaders, tractors, lawn mowers, golf carts or similar. APR is defined as Annual Percentage Rate. Rates effective August 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment exampled based on a a $5,000 loan: $225.00 at 7.49% APR with a 24 month term; $120.89 at 7.49% APR with a 48 month term; and $87.66 at 7.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors. As Low As* Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Other Collateral - 2023 and newer Loan	-	-	7.99%	49-72 months
Details Rates apply to skid loaders, tractors, lawn mowers, golf carts or similar. APR is defined as Annual Percentage Rate. Rates effective August 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment exampled based on a a $5,000 loan: $225.00 at 7.49% APR with a 24 month term; $120.89 at 7.49% APR with a 48 month term; and $87.66 at 7.99% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors. As Low As* Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Residential Land Loan	-	-	6.49%	Up to 72 months
Details Rates effective September 22, 2025. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Our APR may differ based on your loan amount, repayment method, and other factors. Equal Housing Lender. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Residential Land Loan	-	-	7.49%	73-144 months
Details Rates effective September 22, 2025. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. Our APR may differ based on your loan amount, repayment method, and other factors. Equal Housing Lender. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Trailers Loans - 2022 and older	-	-	7.74%	Up to 48 months
Details Rates apply to flat-bed, horse, car carrier, toy hauler and utility trailers (no living quarters). APR is defined as Annual Percentage Rate. Rates effective July 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment exampled based on a a $5,000 loan: $224.45 at 7.24% APR with a 24 month term; $120.29 at 7.24% APR with a 48 month term; and $87.05 at 7.74% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors. As Low As* Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Trailers Loans - 2023 and newer	-	-	7.24%	Up to 24 months
Details Rates apply to flat-bed, horse, car carrier, toy hauler and utility trailers (no living quarters). APR is defined as Annual Percentage Rate. Rates effective July 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment exampled based on a a $5,000 loan: $224.45 at 7.24% APR with a 24 month term; $120.29 at 7.24% APR with a 48 month term; and $87.05 at 7.74% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors. As Low As* Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Trailers Loans - 2023 and newer	-	-	7.24%	25-48 months
Details Rates apply to flat-bed, horse, car carrier, toy hauler and utility trailers (no living quarters). APR is defined as Annual Percentage Rate. Rates effective July 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment exampled based on a a $5,000 loan: $224.45 at 7.24% APR with a 24 month term; $120.29 at 7.24% APR with a 48 month term; and $87.05 at 7.74% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors. As Low As* Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%
Trailers Loans - 2023 and newer	-	-	7.74%	49-72 months
Details Rates apply to flat-bed, horse, car carrier, toy hauler and utility trailers (no living quarters). APR is defined as Annual Percentage Rate. Rates effective July 1, 2026. Rates are based on an evaluation of your credit history, so your rate may differ. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Payment exampled based on a a $5,000 loan: $224.45 at 7.24% APR with a 24 month term; $120.29 at 7.24% APR with a 48 month term; and $87.05 at 7.74% APR with a 72 month term. Your APR may differ based on your loan amount, repayment method, and other factors. As Low As* Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.74% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.38%

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.
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Financial Health History

Montana Federal Credit Union’s Texas Ratio stayed near 1.18% in Q3 2023 to 1.38% in Q2 2026, so its financial health has stayed 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	$362M	1.38%	5.0	A+
March 31, 2026	$359M	1.50%	5.0	A+
December 31, 2025	$352M	2.90%	5.0	A+
September 30, 2025	$344M	1.81%	5.0	A+
June 30, 2025	$348M	1.69%	5.0	A+
March 31, 2025	$348M	1.22%	5.0	A+
December 31, 2024	$340M	1.77%	5.0	A+
September 30, 2024	$332M	1.62%	5.0	A+
June 30, 2024	$332M	1.14%	5.0	A+
March 31, 2024	$335M	0.84%	5.0	A+
December 31, 2023	$324M	0.91%	5.0	A+
September 30, 2023	$329M	1.18%	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 Montana 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 Montana 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 Montana Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Montana Federal Credit Union

Website https://www.montanacu.com

Address 15 14th St S, Great Falls, MT 59401-3800

Phone 406-727-2210

Fax 406-727-8655

President Paul Dockter

CEO John Hageman

Full-Time Employees 73

Part-Time Employees 0

Branch Locations 4

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.38%

Return on Assets (ROA)

0.4934%

Return on Equity (ROE)

3.9387%

Non-Performing Loans Ratio (NPL)

0.26%

Total Assets

361,549,262

Total Amount of Shares and Deposits

316,689,177

Total Shares and Deposits < 1 Year

315,039,703

Total Shares and Deposits 1 3 Years

1,381,029

Total Shares and Deposits > 3 Years

268,444

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

16,776,172

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

16,776,172

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

299,913,005

Total Interest Expense (Sum of items 6 8)

1,126,338

Share Certificates

1,178

Number of Accounts for Share Drafts

16,313

IRA KEOGH Accounts

557

Number of Accounts for Regular Shares

34,103

All other shares

227

Money Market Shares

919

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)

53,397,008

Total Liabilities

317,849,380

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Montana Federal Credit Union earned the Verified Healthy badge

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

Customer Reviews

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Frequently Asked Questions About Montana Federal Credit Union

How many branches does Montana Federal Credit Union operate?

Montana 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 Montana Federal Credit Union?

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

Does Montana Federal Credit Union offer online and mobile banking?

Most modern institutions like Montana 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.montanacu.com.

Current Montana Federal Credit Union Rates

12-Month CD3.50%
18-Month CD3.50%
24-Month CD3.50%
Savings3.00%
MMA1.00%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Montana Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Montana Federal Credit Union Texas Ratio

Montana Federal Credit Union Health Trend

Montana Federal Credit Union CD Rates

Montana Federal Credit Union Savings Rates

Montana Federal Credit Union Money Market Rates

Montana Federal Credit Union Checking Rates

Montana Federal Credit Union Home Equity & HELOC

Montana Federal Credit Union Auto Loan Rates

Montana Federal Credit Union RV, Boat and Powersport Loan Rates

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Montana Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Montana Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Montana Federal Credit Union

How many branches does Montana Federal Credit Union operate?

Is a member application needed to join Montana Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Montana Federal Credit Union offer online and mobile banking?

Current Montana Federal Credit Union Rates

Compare to Other Credit Unions