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Richland Federal Credit Union

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Richland Federal Credit Union Rates & Review August 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Richland 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: August 30, 2026

Richland Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Richland Federal Credit Union, and you can see how they compare in the Richland Federal Credit Union rate tables below. MonitorBankRates evaluates the financial stability of Richland Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.75%. Database rates last updated and verified on 08/30/2026.

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

Verified Strong 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

2.75%

Excellent Lower than avg

Richland Federal Credit Union
Richland Federal Credit Union

201 W Holly St
Sidney, MT 59270 3626

https://richlandfcu.com

Current Rate Availability

We're not currently displaying rates for Richland Federal Credit Union, but our database is updated constantly — check back soon for the latest offers.

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Methodology & Data Sources

MonitorBankRates Star Rating

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

Credit Union Profile & Overview

Credit Union Name Richland Federal Credit Union

Website https://richlandfcu.com

Address 201 W Holly St, Sidney, MT 59270 3626

Phone 406-482-2704

Fax 406-482-2766

President Beth Redlin

CEO Corliss Wasson

Full-Time Employees 12

Part-Time Employees 1

Branch Locations 2

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+ (99/100)

Texas Ratio

2.75%

Return on Assets (ROA)

0.8814%

Return on Equity (ROE)

5.7877%

Non-Performing Loans Ratio (NPL)

1.07%

Total Assets

113,641,660

Total Amount of Shares and Deposits

96,271,552

Total Shares and Deposits < 1 Year

95,346,344

Total Shares and Deposits 1 3 Years

925,208

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

9,357,316

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

9,357,316

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

86,914,236

Total Interest Expense (Sum of items 6 8)

778,142

Share Certificates

277

Number of Accounts for Share Drafts

3,393

IRA KEOGH Accounts

Number of Accounts for Regular Shares

4,866

Money Market Shares

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

1,001,952

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)

10,632,698

Total Liabilities

96,947,435

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Richland Federal Credit Union earned the Verified Strong badge

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Customer Reviews

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Frequently Asked Questions About Richland Federal Credit Union

How many branches does Richland Federal Credit Union operate?

Richland 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 Richland Federal Credit Union?

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

Does Richland Federal Credit Union offer online and mobile banking?

Most modern institutions like Richland 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://richlandfcu.com.