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Russell Country Federal Credit Union

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Russell Country Federal Credit Union Rates & Review November 2026

Q: What are the current interest rates at Russell Country Federal Credit Union?

Current rates for Russell Country Federal Credit Union include: 12-Month CD: 3.90%, 18-Month CD: 3.00%, 24-Month CD: 3.00%, 60-Month CD: 2.25%, Savings: 0.95%, MMA: 0.50%

Q: What CD terms does Russell Country Federal Credit Union offer?

Russell Country Federal Credit Union CD rates are 3.40% APY for a 3 month CD, 3.65% APY for a 6 month CD, 3.75% APY for a 9 month CD, 3.90% APY for a 12 month CD, 3.00% APY for an 18 month CD, 3.00% APY for a 2 year CD and 2.25% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Russell Country Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Russell Country Federal Credit Union's 12-Month CD rates are at 3.90%, 9-Month CD rates are at 3.75%, 6-Month CD rates are at 3.65%, 3-Month CD rates are at 3.40%, 18-Month CD rates are at 3.00%. Russell Country Federal Credit Union's savings rates are at 0.95%. Russell Country Federal Credit Union's money market rates are at 0.50%. Russell Country Federal Credit Union's Personal Loan Rates are as low as 8.50%. Russell Country Federal Credit Union's CD rates are 11% higher than the MonitorBankRates national average, and it has an A health rating. MonitorBankRates evaluates the financial stability of Russell Country Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.62%. Rates last updated and verified on 10/28/2026.

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

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 94/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

11.62%

Excellent Higher than avg

Health Trend

Steady 12 quarters

Full history ›

Russell Country Federal Credit Union
Russell Country FCU-Main

810 1st Ave S
Great Falls, MT 59401-3704

https://www.russellcountryfcu.org

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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.

Russell Country Federal Credit Union CD Rates

Product	Rate	APY	Term
My 4-H Certificate	6.078%	6.25%
Min Balance $100 Details Effective October 1, 2026; Available to youth actively participating in 4-H; annual maximum contribution $5,000.00; cumulative lifetime maximum contribution $35,000.00 per Social Security Number; A penalty will be imposed for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
12-Month Certificate	3.832%	3.90%	12 months
Min Balance $500 Details Effective October 1, 2026; A penalty will be imposed for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
IRA Certificate - 1-Year	3.832%	3.90%	1-Year
Min Deposit $500 Details Early withdrawal penalty applies Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
9-Month Certificate	3.687%	3.75%	9 months
Min Balance $500 Details Effective October 1, 2026; A penalty will be imposed for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
IRA Certificate - 9-Month	3.687%	3.75%	9-Month
Min Deposit $500 Details Early withdrawal penalty applies Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
6-Month Certificate	3.59%	3.65%	6 months
Min Balance $500 Details Effective October 1, 2026; A penalty will be imposed for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
IRA Certificate - 6-Month	3.59%	3.65%	6-Month
Min Deposit $500 Details Early withdrawal penalty applies Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
3-Month Certificate	3.348%	3.40%	3 months
Min Balance $500 Details Effective October 1, 2026; A penalty will be imposed for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
IRA Certificate - 3-Month	3.348%	3.40%	3-Month
Min Deposit $500 Details Early withdrawal penalty applies Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.40% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
18-Month Certificate	2.96%	3.00%	18 months
Min Balance $500 Details Effective October 1, 2026; A penalty will be imposed for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
2-Year Certificate	2.96%	3.00%	2 years
Min Balance $500 Details Effective October 1, 2026; A penalty will be imposed for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
IRA Certificate - 18-Month	2.96%	3.00%	18-Month
Min Deposit $500 Details Early withdrawal penalty applies Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
IRA Certificate - 2-Year	2.96%	3.00%	2-Year
Min Deposit $500 Details Early withdrawal penalty applies Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
3-Year Certificate	2.716%	2.75%	3 years
Min Balance $500 Details Effective October 1, 2026; A penalty will be imposed for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
IRA Certificate - 3-Year	2.716%	2.75%	3-Year
Min Deposit $500 Details Early withdrawal penalty applies Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 2.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
4-Year Certificate	2.472%	2.50%	4 years
Min Balance $500 Details Effective October 1, 2026; A penalty will be imposed for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
IRA Certificate - 4-Year	2.472%	2.50%	4-Year
Min Deposit $500 Details Early withdrawal penalty applies Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 2.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
5-Year Certificate	2.227%	2.25%	5 years
Min Balance $500 Details Effective October 1, 2026; A penalty will be imposed for early withdrawal Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
IRA Certificate - 5-Year	2.227%	2.25%	5-Year
Min Deposit $500 Details Early withdrawal penalty applies Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 2.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%

Russell Country Federal Credit Union Savings Rates

Product	Rate	APY
High Yield Savings	0.946%	0.95%
Min Balance $250,000 Details Balance: >$250,000.00; Requires $5000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.95% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
WINcentive Savings	0.747%	0.75%
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.75% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
High Yield Savings	0.698%	0.70%
Min Balance $100,000 Details Balance: $100,000.00-$249,999.99; Requires $5000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.70% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
High Yield Savings	0.648%	0.65%
Min Balance $75,000 Details Balance: $75,000-$99,999.00; Requires $5000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
High Yield Savings	0.598%	0.60%
Min Balance $50,000 Details Balance: $50,000-$74,999.99; Requires $5000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
High Yield Savings	0.549%	0.55%
Min Balance $5,000 Details Balance: $5,000-$24,999.99; Requires $5000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
High Yield Savings	0.549%	0.55%
Min Balance $25,000 Details Balance: $25,000-$49,999.99; Requires $5000 minimum balance Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.55% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Christmas Club+	0.05%	0.05%
Details Dividends accrue monthly and are paid annually Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Primary Shares	0.01%	0.01%
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Secondary Shares	0.01%	0.01%
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%

Russell Country Federal Credit Union Money Market Rates

Product	Rate	APY	View More
Money Market	0.499%	0.50%
Min Balance $1,000 Details Money Market Accounts; Requires $1000 minimum balance; All accounts require $25 Membership Share Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%

Russell Country Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Passenger Vehicles 2022 - 2026 Loan	-	-	3.95%	Up to 36 months
Details As Low As; Model Year: 2022 - 2026; Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Passenger Vehicles 2022 - 2026 Loan	-	-	3.95%	37 - 60 months
Details As Low As; Model Year: 2022 - 2026; Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 3.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Passenger Vehicles 2022 - 2026 Loan	-	-	4.24%	61 - 72 months
Details As Low As; Model Year: 2022 - 2026; Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Passenger Vehicles 2016 - 2021 Loan	-	-	4.74%	Up to 36 months
Details As Low As; Model Year: 2016 - 2021; Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 4.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Passenger Vehicles 2016 - 2021 Loan	-	-	5.24%	37 - 60 months
Details As Low As; Model Year: 2016 - 2021; Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Passenger Vehicles 2022 - 2026 Loan	-	-	5.24%	73 - 84 months
Details As Low As; Model Year: 2022 - 2026; Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Passenger Vehicles 2016 - 2021 Loan	-	-	5.54%	61 - 72 months
Details As Low As; Model Year: 2016 - 2021; Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.54% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Passenger Vehicles 2016 - 2021 Loan	-	-	6.24%	73 - 84 months
Details As Low As; Model Year: 2016 - 2021; Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Passenger Vehicles 2015 and older Loan	-	-	6.25%	Up to 48 months
Details As Low As; Model Year: 2015 and older; Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Passenger Vehicles 2015 and older Loan	-	-	7.25%	49 - 60 months
Details As Low As; Model Year: 2015 and older; Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%

Russell Country Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Equipment 2022 - 2026 Loan	-	7.25%	Up to 36 months
Details As Low As; Model Year: 2022 - 2026; (Motorhomes, Travel Trlrs, Campers, Horse Trls, Boats); Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Recreational Equipment 2022 - 2026 Loan	-	7.55%	37 - 60 months
Details As Low As; Model Year: 2022 - 2026; (Motorhomes, Travel Trlrs, Campers, Horse Trls, Boats); Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Recreational Equipment 2016 - 2021 Loan	-	7.75%	Up to 60 months
Details As Low As; Model Year: 2016 - 2021; (Motorhomes, Travel Trlrs, Campers, Horse Trls, Boats); Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Recreational Equipment 2022 - 2026 Loan	-	7.95%	61 - 72 months
Details As Low As; Model Year: 2022 - 2026; (Motorhomes, Travel Trlrs, Campers, Horse Trls, Boats); Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.95% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Recreational Equipment 2016 - 2021 Loan	-	8.15%	61 - 72 months
Details As Low As; Model Year: 2016 - 2021; (Motorhomes, Travel Trlrs, Campers, Horse Trls, Boats); Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.15% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Recreational Equipment 2022 - 2026 Loan	-	8.35%	73 - 84 months
Details As Low As; Model Year: 2022 - 2026; (Motorhomes, Travel Trlrs, Campers, Horse Trls, Boats); Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.35% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Recreational Equipment 2015 and Older Loan	-	8.75%	Up to 60 months
Details As Low As; Model Year: 2015 and Older; (Motorhomes, Travel Trlrs, Campers, Horse Trls, Boats); Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Recreational Equipment 2016 - 2021 Loan	-	8.75%	73 - 84 months
Details As Low As; Model Year: 2016 - 2021; (Motorhomes, Travel Trlrs, Campers, Horse Trls, Boats); Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Recreational Equipment 2022 - 2026 Loan	-	8.75%	85 - 120 months
Details As Low As; Model Year: 2022 - 2026; (Motorhomes, Travel Trlrs, Campers, Horse Trls, Boats); Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Recreational Equipment 2016 - 2021 Loan	-	9.05%	85 - 120 months
Details As Low As; Model Year: 2016 - 2021; (Motorhomes, Travel Trlrs, Campers, Horse Trls, Boats); Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 9.05% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Recreational Equipment 2022 - 2026 Loan	-	9.75%	121 - 180 months
Details As Low As; Model Year: 2022 - 2026; (Motorhomes, Travel Trlrs, Campers, Horse Trls, Boats); Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 9.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%

Russell Country Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Unsecured Loan	8.50%	Up to 36 months
Details As Low As; APR based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Personal Unsecured Loan	9.00%	37 - 48 months
Details As Low As; APR based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 9.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Personal Unsecured Loan	9.50%	49 - 60 months
Details As Low As; APR based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 9.50% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Personal Unsecured Loan	10.00%	61-72 months
Details As Low As; APR based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 10.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Personal Line of Credit	10.75%	Variable
Details APR based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 10.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%

Russell Country Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loan	-	-	15.00%	6 - 18 months
Details APR based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 15.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
My 4-H Loan	-	-	5.00%	0 - 12 months
Details Available to youth actively participating in 4-H; based on 12-month term; balloon payment required if not paid in full within 12-month term; requires a qualified joint owner for 17 and under youth Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Seasonal Equipment 2015 and Older Loan	-	-	7.55%	Up to 36 months
Details As Low As; Model Year: 2015 and Older; (Street & Trail Bikes, ATVs, Side-by-Sides, Jet Skis, Snowmobiles, Utility Trlrs, Golf Carts, Riding Lawn Mowers, Small Equipment); Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 7.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Seasonal Equipment 2015 and Older Loan	-	-	8.55%	37 - 48 months
Details As Low As; Model Year: 2015 and Older; (Street & Trail Bikes, ATVs, Side-by-Sides, Jet Skis, Snowmobiles, Utility Trlrs, Golf Carts, Riding Lawn Mowers, Small Equipment); Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 8.55% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Seasonal Equipment 2016 - 2021 Loan	-	-	5.75%	Up to 36 months
Details As Low As; Model Year: 2016 - 2021; (Street & Trail Bikes, ATVs, Side-by-Sides, Jet Skis, Snowmobiles, Utility Trlrs, Golf Carts, Riding Lawn Mowers, Small Equipment); Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Seasonal Equipment 2016 - 2021 Loan	-	-	6.35%	37 - 60 months
Details As Low As; Model Year: 2016 - 2021; (Street & Trail Bikes, ATVs, Side-by-Sides, Jet Skis, Snowmobiles, Utility Trlrs, Golf Carts, Riding Lawn Mowers, Small Equipment); Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.35% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Seasonal Equipment 2022 - 2026 Loan	-	-	5.25%	Up to 36 months
Details As Low As; Model Year: 2022 - 2026; (Street & Trail Bikes, ATVs, Side-by-Sides, Jet Skis, Snowmobiles, Utility Trlrs, Golf Carts, Riding Lawn Mowers, Small Equipment); Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.25% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Seasonal Equipment 2022 - 2026 Loan	-	-	5.75%	37 - 60 months
Details As Low As; Model Year: 2022 - 2026; (Street & Trail Bikes, ATVs, Side-by-Sides, Jet Skis, Snowmobiles, Utility Trlrs, Golf Carts, Riding Lawn Mowers, Small Equipment); Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 5.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Seasonal Equipment 2022 - 2026 Loan	-	-	6.35%	61 - 72 months
Details As Low As; Model Year: 2022 - 2026; (Street & Trail Bikes, ATVs, Side-by-Sides, Jet Skis, Snowmobiles, Utility Trlrs, Golf Carts, Riding Lawn Mowers, Small Equipment); Based on individual credit history Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 6.35% APR · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Roth IRA	0.30%	-	0.30%
Details IRA Share Accounts; Effective October 1, 2026; All accounts require $25 Membership Share Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%
Traditional IRA	0.30%	-	0.30%
Details IRA Share Accounts; Effective October 1, 2026; All accounts require $25 Membership Share Last Updated 10/28/2026 Rate History No change since Oct 22, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 11.62%

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

Russell Country Federal Credit Union’s Texas Ratio rose from 2.54% in Q3 2023 to 11.62% in Q2 2026, so its financial health has held steady at a healthy level 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
June 30, 2026	$131M	11.62%	5.0	A
March 31, 2026	$133M	11.84%	5.0	A
December 31, 2025	$130M	13.69%	5.0	A
September 30, 2025	$123M	8.92%	5.0	A
June 30, 2025	$122M	6.79%	5.0	A
March 31, 2025	$117M	3.34%	5.0	A+
December 31, 2024	$111M	4.02%	5.0	A+
September 30, 2024	$110M	7.41%	5.0	A
June 30, 2024	$111M	7.00%	5.0	A
March 31, 2024	$112M	5.02%	5.0	A+
December 31, 2023	$107M	1.75%	5.0	A+
September 30, 2023	$109M	2.54%	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 Russell Country 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 Russell Country 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 Russell Country Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Russell Country Federal Credit Union

Website https://www.russellcountryfcu.org

Address 810 1st Ave S, Great Falls, MT 59401-3704

Phone 406-761-2880

Fax 406-761-7628

President Charles Fulcher

CEO Stacey Byrne

Full-Time Employees 34

Part-Time Employees 5

Branch Locations 2

ATM Locations 3

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (94/100)

Texas Ratio

11.62%

Return on Assets (ROA)

0.0860%

Return on Equity (ROE)

1.1313%

Non-Performing Loans Ratio (NPL)

1.12%

Total Assets

131,087,831

Total Amount of Shares and Deposits

120,705,807

Total Shares and Deposits < 1 Year

118,282,783

Total Shares and Deposits 1 3 Years

2,343,592

Total Shares and Deposits > 3 Years

79,432

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

6,239,183

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

6,239,183

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

114,466,624

Total Interest Expense (Sum of items 6 8)

1,004,724

Share Certificates

1,155

Number of Accounts for Share Drafts

3,890

IRA KEOGH Accounts

210

Number of Accounts for Regular Shares

9,675

All other shares

415

Money Market Shares

176

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

112,707

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)

12,434,350

Total Liabilities

121,125,651

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Russell Country Federal Credit Union earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Russell Country Federal Credit Union

Does Russell Country Federal Credit Union offer CDs?

Yes. Russell Country Federal Credit Union current CD rates include its 12-Month CD at 3.90% APY, its 9-Month CD at 3.75% APY and its 6-Month CD at 3.65% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Russell Country Federal Credit Union NCUA insured?

Yes. Russell Country Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Russell Country Federal Credit Union?

The highest Russell Country Federal Credit Union CD rate is its My 4-H CD at 6.25% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Russell Country Federal Credit Union offer?

Russell Country Federal Credit Union CD rates are 3.40% APY for a 3 month CD, 3.65% APY for a 6 month CD, 3.75% APY for a 9 month CD, 3.90% APY for a 12 month CD, 3.00% APY for an 18 month CD, 3.00% APY for a 2 year CD and 2.25% APY for a 5 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Russell Country Federal Credit Union for its full lineup.

What is the highest savings rate at Russell Country Federal Credit Union?

The highest Russell Country Federal Credit Union savings rate is its High Yield Savings at 0.95% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Russell Country Federal Credit Union?

The highest Russell Country Federal Credit Union money market rate is its Money Market at 0.50% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at Russell Country Federal Credit Union?

The lowest Russell Country Federal Credit Union auto loan rate is its Passenger Vehicles 2022 - 2026 Loan at 3.95% APR, verified by MonitorBankRates as of October 28, 2026.

What is the lowest personal loan rate at Russell Country Federal Credit Union?

The lowest Russell Country Federal Credit Union personal loan rate is its Personal Unsecured Loan at 8.50% APR, verified by MonitorBankRates as of October 28, 2026.

How many branches does Russell Country Federal Credit Union operate?

Russell Country 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 Russell Country Federal Credit Union?

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

Does Russell Country Federal Credit Union offer online and mobile banking?

Most modern institutions like Russell Country 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.russellcountryfcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Russell Country Federal Credit Union rates compare?

Russell Country Federal Credit Union's CD rates are 11% higher than the MonitorBankRates national average, and it has an A health rating. Russell Country Federal Credit Union's top rates are its My 4-H CD at 6.25% APY, its High Yield Savings at 0.95% APY, its Money Market at 0.50% APY and its Personal Unsecured Loan at 8.50% APR, verified by MonitorBankRates on October 28, 2026.

Current Russell Country Federal Credit Union Rates

12-Month CD3.90%
18-Month CD3.00%
24-Month CD3.00%
60-Month CD2.25%
Savings0.95%
MMA0.50%

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

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Russell Country Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Russell Country Federal Credit Union Texas Ratio

Russell Country Federal Credit Union Health Trend

Russell Country Federal Credit Union CD Rates

Russell Country Federal Credit Union Savings Rates

Russell Country Federal Credit Union Money Market Rates

Russell Country Federal Credit Union Auto Loan Rates

Russell Country Federal Credit Union RV, Boat and Powersport Loan Rates

Russell Country Federal Credit Union Personal Loan Rates

Russell Country Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Russell Country Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Russell Country Federal Credit Union

Does Russell Country Federal Credit Union offer CDs?

Are CDs from Russell Country Federal Credit Union NCUA insured?

What is the highest CD rate at Russell Country Federal Credit Union?

What CD terms does Russell Country Federal Credit Union offer?

What is the highest savings rate at Russell Country Federal Credit Union?

What is the highest money market rate at Russell Country Federal Credit Union?

What is the lowest auto loan rate at Russell Country Federal Credit Union?

What is the lowest personal loan rate at Russell Country Federal Credit Union?

How many branches does Russell Country Federal Credit Union operate?

Is a member application needed to join Russell Country Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Russell Country Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Russell Country Federal Credit Union rates compare?

Current Russell Country Federal Credit Union Rates

Compare to Other Credit Unions