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Montana Federal Credit Union

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Montana Federal Credit Union Rates & Review September 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: September 23, 2026

Montana Federal Credit Union's Personal Loan Rates are as low as 9.50%. 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 1.50%. Rates last updated and verified on 09/23/2026.

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 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

1.50%

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

Montana Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loans (2023 and newer)	-	-	3.99%	Up to 60 months
Details As Low As; OAC Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Auto Loans (2022 or older)	-	-	4.49%	Up to 36 months
Details As Low As; OAC Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Auto Loans (2022 or older)	-	-	4.99%	Up to 60 months
Details As Low As; OAC Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Auto Loans (2023 and newer)	-	-	4.99%	61 to 75 months
Details As Low As; OAC Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Auto Loans (2022 or older)	-	-	5.49%	Up to 75 months
Details As Low As; OAC Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Auto Loans (2023 and newer)	-	-	5.99%	76 to 84 months
Details As Low As; OAC Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Auto Loans (2022 or older)	-	-	6.24%	Up to 84 months
Details As Low As; OAC Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Auto Loans (2023 and newer)	-	-	6.99%	85 to 96 months
Details As Low As; OAC Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Auto Loans (2022 or older)	-	-	7.99%	Up to 60 months
Details As Low As; 2015 or older vehicles; OAC Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

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 As Low As; OAC Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Recreational Vehicle Loans (2022 or older)	-	7.74%	Up to 72 months
Details As Low As; Year: 2016 to 2022 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Recreational Vehicle Loans (2023 and newer)	-	7.99%	73-120 months
Details As Low As; OAC Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Recreational Vehicle Loans (2022 or older)	-	8.24%	73-120 months
Details As Low As; Year: 2016 to 2022 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Recreational Vehicle Loans (2022 or older)	-	8.49%	Up to 72 months
Details As Low As; Year: 2015 and older Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Recreational Vehicle Loans (2022 or older)	-	8.99%	73-120 months
Details As Low As; Year: 2015 and older Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Recreational Vehicle Loans (2022 or older)	-	9.99%	121-156 months
Details As Low As; Year: 2016 to 2022 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Recreational Vehicle Loans (2023 and newer)	-	9.99%	121-180 months
Details As Low As; OAC Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Recreational Vehicle Loans (2022 or older)	-	10.49%	121-144 months
Details As Low As; Year: 2015 and older Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

Montana Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

Montana Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
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. 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
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. 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Other Collateral - 2023 and newer Loan	-	-	7.49%	25-48 months
Details Rates apply to skid loaders, tractors, lawn mowers, golf carts or similar. 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Other Collateral - 2023 and newer Loan	-	-	7.99%	49-72 months
Details Rates apply to skid loaders, tractors, lawn mowers, golf carts or similar. 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Power Sports Loans - 2015 or older or high mileage	-	-	8.49%	Up to 60 months
Details 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Power Sports Loans - 2016 to 2022 (mileage limitations)	-	-	6.49%	Up to 48 months
Details 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Power Sports Loans - 2016 to 2022 (mileage limitations)	-	-	6.74%	49-60 months
Details 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Power Sports Loans - 2016 to 2022 (mileage limitations)	-	-	7.74%	61-72 months
Details 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Power Sports Loans - 2023 and newer (mileage limitations)	-	-	5.49%	Up to 48 months
Details 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Power Sports Loans - 2023 and newer (mileage limitations)	-	-	5.99%	49-60 months
Details 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Power Sports Loans - 2023 and newer (mileage limitations)	-	-	6.99%	61-72 months
Details 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 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Residential Land Loans	-	-	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. Monthly payment example based on a $25,000 loan: $420.14 at 6.49% APR with a 72 month term; $263.71 at 7.49% APR with a 144 month term. Our APR may differ based on your loan amount, repayment method, and other factors. Equal Housing Lender. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Residential Land Loans	-	-	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. Monthly payment example based on a $25,000 loan: $420.14 at 6.49% APR with a 72 month term; $263.71 at 7.49% APR with a 144 month term. Our APR may differ based on your loan amount, repayment method, and other factors. Equal Housing Lender. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Trailers Loans - 2022 and older	-	-	7.74%	Up to 48 months
Details As Low As*; 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Trailers Loans - 2023 and newer	-	-	7.24%	Up to 24 months
Details As Low As*; 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Trailers Loans - 2023 and newer	-	-	7.24%	25-48 months
Details As Low As*; 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%
Trailers Loans - 2023 and newer	-	-	7.74%	49-72 months
Details As Low As*; 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. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.50%

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

Montana Federal Credit Union’s Texas Ratio stayed near 1.49% in Q2 2023 to 1.50% in Q1 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
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+
June 30, 2023	$329M	1.49%	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 76

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

1.50%

Return on Assets (ROA)

0.2265%

Return on Equity (ROE)

1.8347%

Non-Performing Loans Ratio (NPL)

0.28%

Total Assets

358,926,393

Total Amount of Shares and Deposits

315,059,036

Total Shares and Deposits < 1 Year

313,065,635

Total Shares and Deposits 1 3 Years

1,629,402

Total Shares and Deposits > 3 Years

363,999

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

15,785,227

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

15,785,227

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

299,273,809

Total Interest Expense (Sum of items 6 8)

545,344

Share Certificates

1,161

Number of Accounts for Share Drafts

16,197

IRA KEOGH Accounts

551

Number of Accounts for Regular Shares

33,870

All other shares

229

Money Market Shares

929

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)

50,660,254

Total Liabilities

316,239,015

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Montana Federal Credit Union earned the Verified Healthy badge

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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.