What are the current interest rates at Rocky Mountain Credit Union?

Current rates for Rocky Mountain Credit Union include: 12-Month CD: 3.56%, 18-Month CD: 3.61%, 24-Month CD: 3.66%, 60-Month CD: 3.71%, Savings: 0.01%, MMA: 0.40%

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Rocky Mountain Credit Union

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Rocky Mountain Credit Union Rates & Review September 2026

Q: Is a member application needed to join Rocky Mountain Credit Union?

Yes, to access services at Rocky Mountain 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, Rocky Mountain 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 22, 2026

Rocky Mountain Credit Union's 3 Years CD rates are at 3.71%, 4 Years CD rates are at 3.71%, 5 Years CD rates are at 3.71%, IRA CDs (3 Years) rates are at 3.71%, IRA CDs (4 Years) rates are at 3.71%. Rocky Mountain Credit Union's savings rates are at 0.01%. Rocky Mountain Credit Union's money market rates are at 0.40%. Rocky Mountain Credit Union's Credit Card Rates are at 11.49%. MonitorBankRates evaluates the financial stability of Rocky Mountain Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.38%. Rates last updated and verified on 09/22/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.38%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Rocky Mountain Credit Union
North Montana

3400 N Montana Ave
Helena, MT 59602

https://www.rmcu.net

Rocky Mountain Credit Union CD Rates

Product	Rate	APY	Term
3 Years Certificate	3.65%	3.71%	3 Years
Min Balance $1,000 Details Dividends compounded and credited monthly. Minimum balance is required to earn dividends. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
4 Years Certificate	3.65%	3.71%	4 Years
Min Balance $1,000 Details Dividends compounded and credited monthly. Minimum balance is required to earn dividends. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
5 Years Certificate	3.65%	3.71%	5 Years
Min Balance $1,000 Details Dividends compounded and credited monthly. Minimum balance is required to earn dividends. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
IRA Certificates (3 Years)	3.65%	3.71%	3 years
Min Balance $2,000 Details Dividends compounded and credited monthly. Minimum balance is required to earn dividends. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
IRA Certificates (4 Years)	3.65%	3.71%	4 years
Min Balance $2,000 Details Dividends compounded and credited monthly. Minimum balance is required to earn dividends. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
IRA Certificates (5 Years)	3.65%	3.71%	5 years
Min Balance $2,000 Details Dividends compounded and credited monthly. Minimum balance is required to earn dividends. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
2 Years Certificate	3.60%	3.66%	2 Years
Min Balance $1,000 Details Dividends compounded and credited monthly. Minimum balance is required to earn dividends. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
IRA Certificates (2 Years)	3.60%	3.66%	2 years
Min Balance $2,000 Details Dividends compounded and credited monthly. Minimum balance is required to earn dividends. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
18 Month Certificate	3.55%	3.61%	18 Month
Min Balance $1,000 Details Dividends compounded and credited monthly. Minimum balance is required to earn dividends. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
18 Month CHILDREN'S CERTIFICATES	3.55%	3.61%	18 Month
Min Balance $250 Details Dividends compounded and credited monthly. Minimum balance is required to earn dividends. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
IRA Certificates (18 Month)	3.55%	3.61%	18 months
Min Balance $2,000 Details Dividends compounded and credited monthly. Minimum balance is required to earn dividends. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
12 Month Certificate	3.50%	3.56%	12 Month
Min Balance $1,000 Details Dividends compounded and credited monthly. Minimum balance is required to earn dividends. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
IRA Certificates (12 Month)	3.50%	3.56%	12 months
Min Balance $2,000 Details Dividends compounded and credited monthly. Minimum balance is required to earn dividends. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
6 Month Certificate	3.40%	3.45%	6 Month
Min Balance $1,000 Details Dividends compounded and credited monthly. Minimum balance is required to earn dividends. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
90 Day Certificate	3.40%	3.45%	90 Day
Min Balance $1,000 Details Dividends compounded and credited monthly. Minimum balance is required to earn dividends. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%

Rocky Mountain Credit Union Savings Rates

Product	Rate	APY
Escrow Savings	0.05%	0.05%
No additional details. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
HSA IRA Savings	-	0.03%
Details Published APY range: 0.03% - 0.50%. HSA and IRA Accounts Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
HSA Savings	-	0.03%
Details Published APY range: 0.03% - 0.50%. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
Membership Savings	-	0.01%
Min Deposit $20 Min Balance $0 Details Published APY range: 0.01% - 0.25%. Balance: $0.01 to earn the stated APY Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
Rocky Super Saver Account	-	0.01%
Min Deposit $20 Min Balance $0 Details Published APY range: 0.01% - 0.25%. Under age 18; Balance: $0.01 to earn the stated APY Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%

Rocky Mountain Credit Union Money Market Rates

Product	Rate	APY
Premier Money Market	1.40%	1.41%
Min Balance $100,000 Details Balance: $100,000 <; $25 monthly fee Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
Premier Money Market	1.30%	1.31%
Min Balance $75,000 Details Balance: $75,000 - $99,999.99; $25 monthly fee Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
Premier Money Market	1.20%	1.21%
Min Balance $50,000 Details Balance: $50,000 - $74,999.99; $25 monthly fee Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
Premier Money Market	1.10%	1.11%
Min Balance $0 Details Balance: $0.01 - $49,999.99; $25 monthly fee Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
Premier Money Market	-	1.04%
Min Balance $0 Details Fees apply to any balance below $50,000; Monthly Fee: $25 if balance drops below $50,000; APY range: 1.04% - 1.28% APY Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
Standard Money Market	0.90%	0.90%
Min Balance $20,000 Details Balance: $20,000 <; $10 monthly fee Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
Standard Money Market	0.70%	0.70%
Min Balance $10,000 Details Balance: $10,000 - $19,999.99; $10 monthly fee Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
Standard Money Market	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500 - $9,999.99; $10 monthly fee Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
Standard Money Market	-	0.44%
Min Balance $0 Details Fees apply to any balance below $2,500; Monthly Fee: $10 if balance drops below $2,500; APY range: 0.44% - 0.94% APY Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
Standard Money Market	0.40%	0.40%
Min Balance $0 Details Balance: $0.01 - $2,499.99; $10 monthly fee Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%

Rocky Mountain Credit Union Checking Rates

Product	Rate	APY
Summit Checking	-	5.00%
Min Deposit $0 Min Balance $0 Details Qualifications Required: At least ten (10) debit card transactions; Monthly direct deposit; Minimum account balance of $0.01; Earn 0.05% APY on additional balances. APY effective as of September 1st, 2025. Rates may change after account opening, and fees could reduce earnings. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
Summit Checking	4.89%	5.00%
Min Balance $0 Details Qualifying balance up to $20,000.00; Qualifications Required; 10 debit transactions and direct deposit. If qualifications are not met, non-qualifying rate will be paid. *Example blended rate is calculated on the assumption of $100,000 in account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
Summit Checking	0.05%	0.05%
Min Balance $0 Details NonQualifying balance greater than $0.01; Qualifications Required; 10 debit transactions and direct deposit. If qualifications are not met, non-qualifying rate will be paid. *Example blended rate is calculated on the assumption of $100,000 in account. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%

Rocky Mountain Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum Rewards Card	-	11.49%
Details As Low As; Variable Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
VISA Classic Card	-	15.99%
Details As Low As Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%

Rocky Mountain Credit Union Other Rates

Product	Rate	Points	APY/APR
HSA & IRA Shares	0.03%	-	0.03%
Min Balance $0 Details Balance: $0.01 - $999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
HSA & IRA Shares	0.10%	-	0.10%
Min Balance $1,000 Details Balance: $1,000 - $4,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
HSA & IRA Shares	0.15%	-	0.15%
Min Balance $5,000 Details Balance: $5,000 - $24,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
HSA & IRA Shares	0.25%	-	0.25%
Min Balance $25,000 Details Balance: $25,000 - $74,999.99 Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
HSA & IRA Shares	0.50%	-	0.50%
Min Balance $75,000 Details Balance: $75,000 < Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%
Summit Checking	-	-	0.05%
Min Balance $0 Details Published APY range: 0.05% - 5.00%. Qualifications Required: 10 debit card transactions; a direct deposit; Earn higher dividends on the first $20,000 when monthly qualifications are met: 10 debit card transactions and a direct deposit. This is a tiered account, if qualifications are not met you will earn a lower dividend rate. Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.38%

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.
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

Rocky Mountain Credit Union’s Texas Ratio rose from 5.38% in Q2 2023 to 7.38% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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	$424M	7.38%	5.0	A
December 31, 2025	$419M	7.62%	5.0	A
September 30, 2025	$412M	7.01%	5.0	A
June 30, 2025	$399M	6.67%	5.0	A
March 31, 2025	$408M	7.11%	5.0	A
December 31, 2024	$402M	7.54%	5.0	A
September 30, 2024	$383M	5.96%	5.0	A+
June 30, 2024	$375M	6.68%	5.0	A
March 31, 2024	$383M	6.34%	5.0	A
December 31, 2023	$384M	7.27%	5.0	A
September 30, 2023	$384M	5.05%	5.0	A+
June 30, 2023	$387M	5.38%	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 Rocky Mountain 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 Rocky Mountain 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 Rocky Mountain Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Rocky Mountain Credit Union

Website https://www.rmcu.net

Address 3400 N Montana Ave, Helena, MT 59602

Phone 406-449-2680

Fax 406-447-1110

President Kristin Bouchard

CEO Erin Johnston

Full-Time Employees 87

Part-Time Employees 12

Branch Locations 6

ATM Locations 6

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.38%

Return on Assets (ROA)

0.0254%

Return on Equity (ROE)

0.2909%

Non-Performing Loans Ratio (NPL)

1.09%

Total Assets

424,262,863

Total Amount of Shares and Deposits

364,639,931

Total Shares and Deposits < 1 Year

348,449,548

Total Shares and Deposits 1 3 Years

14,206,607

Total Shares and Deposits > 3 Years

1,983,776

Total Interest Expense (Sum of items 6 8)

1,600,798

Share Certificates

3,268

Number of Accounts for Share Drafts

15,843

IRA KEOGH Accounts

611

Number of Accounts for Regular Shares

25,225

All other shares

4,365

Money Market Shares

2,010

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

107,642

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)

38,756,931

Total Liabilities

387,643,202

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Rocky Mountain 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

There are no reviews for Rocky Mountain Credit Union yet. Feel free to create one below.

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Average Rating

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Total Reviews

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Frequently Asked Questions About Rocky Mountain Credit Union

How many branches does Rocky Mountain Credit Union operate?

Rocky Mountain 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 Rocky Mountain Credit Union?

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

Does Rocky Mountain Credit Union offer online and mobile banking?

Most modern institutions like Rocky Mountain 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.rmcu.net.

Current Rocky Mountain Credit Union Rates

12-Month CD3.56%
18-Month CD3.61%
24-Month CD3.66%
60-Month CD3.71%
Savings0.01%
MMA0.40%

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

Compare to Other Credit Unions

Rocky Mountain Credit Union Rates & Review September 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Rocky Mountain Credit Union Texas Ratio

Rocky Mountain Credit Union Health Trend

Rocky Mountain Credit Union CD Rates

Rocky Mountain Credit Union Savings Rates

Rocky Mountain Credit Union Money Market Rates

Rocky Mountain Credit Union Checking Rates

Rocky Mountain Credit Union Credit Card Rates

Rocky Mountain Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Rocky Mountain Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Rocky Mountain Credit Union

How many branches does Rocky Mountain Credit Union operate?

Is a member application needed to join Rocky Mountain Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Rocky Mountain Credit Union offer online and mobile banking?

Current Rocky Mountain Credit Union Rates

Compare to Other Credit Unions