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Ravalli County Federal Credit Union Rates and Review January 2026

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Ravalli County Federal Credit Union12-month CD rates can be found at 3.50%, 6-month CD rates at 3.90% and 3-month CD rates at 1.00%. Savings rates are at 0.10% and money market rates are at 0.01%. Mortgage rates on 30-year fixed loans are around 6.12%. Credit Card rates are at 15.25%. Personal Loan rates are at 10.20%. All these rates, and more, can be found in our database of rates which you can compare to Ravalli County Federal Credit Union rates.

Compare Ravalli County Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Ravalli County Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

Rate Updates and Availability

Ravalli County 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 CD rates or other rates available. Have you opened an account or have any experiences at Ravalli County Federal Credit Union? Share your experience about Ravalli County Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Ravalli County Federal Credit Union.

Overall, Ravalli County Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Current Interest Rates

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A

"N/A" indicates the product is not offered or the rate is unavailable.

Ravalli County Federal Credit Union
Ravalli County Federal Credit Union
501 N 1st St
Hamilton, MT 59840 2129
Member NCUA
MonitorBankRates' Rating
5/5
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CD & Savings Rate Comparison

Bank
Product
APY
Min Dep
3-Month CD
4.25%
$1,000
12-Month CD
4.00%
$1,000
6-Month CD
3.79%
$2,500
24-Month Fixed Rate CD
3.75%
$2,500
12-Month CD
3.65%
$500
60-Month CD
3.60%
$0
60-Month CD
3.56%
$1,000
12-Month CD
3.50%
$500
36-Month CD
3.30%
$50,000
24-Month CD
3.25%
$1,000
48-Month CD
3.00%
$1,000
48-Month CD
3.00%
$500
24-Month CD
2.90%
$1,000
48-Month CD
2.78%
$1,000
36-Month CD
2.52%
$1,000
24-Month CD
2.40%
$1,000
24-Month CD
2.32%
$1,000
18-Month CD
2.27%
$500
36-Month CD
2.25%
$1,000
48-Month CD
2.00%
$2,500
Money Market
1.87%
$2,000
Money Market
1.76%
$2,500
12-Month CD
1.51%
$500
36-Month CD
1.51%
$1,000
36-Month CD
1.50%
$500
24-Month CD
1.00%
$1,000
Money Market
1.00%
$2,500
60-Month CD
0.50%
$500
12-Month CD
0.50%
$1,000
60-Month CD
0.50%
$500
6-Month CD
0.50%
$500
18-Month CD
0.45%
$500
Money Market
0.40%
$2,500
Freedom Savings
0.30%
$10
36-Month CD
0.30%
$500
Passbook Savings
0.25%
$50
Money Market
0.20%
$10,000
60-Month CD (Business Select)
0.20%
$500
Money Market
0.15%
$0
Savings
0.15%
$100
NOW Checking
0.15%
$1,000
Safe Money Market
0.10%
$1,000
Rate Watchers Money Market
0.10%
$1
Relationship Checking
0.05%
$100
Money Market
0.05%
$5,000
12-Month CD
0.03%
$1,000
Regular Savings
0.03%
$5
12-Month CD
0.01%
$5
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rate Comparison

Lender
Product
Rate
APR
Points
6.250%
6.355%
0.000
5.375%
5.446%
0.000
5.375%
5.804%
0.000
30-Year Fixed
6.125%
6.167%
0.000
30-Year Fixed
6.125%
6.249%
0.000
5.000%
5.128%
0.250
30-Year Fixed
6.000%
6.031%
0.000
30 Year Fixed
5.875%
5.916%
0.000
5.990%
6.290%
0.000
5.875%
6.055%
0.000
30-Year Fixed
6.000%
6.048%
0.000
5.375%
5.568%
0.000
15-Year Fixed
5.625%
5.695%
0.000
6.250%
7.325%
0.000
6.250%
6.281%
0.000
5.625%
6.072%
0.000
6.000%
6.067%
0.000
5.875%
6.190%
1.000
5.125%
5.237%
0.000
5.300%
5.433%
0.000
5.625%
5.760%
0.375
15-Year Fixed
5.250%
5.347%
0.000
5.625%
5.673%
0.000
5.625%
5.775%
0.125
6.000%
6.141%
0.000
15-Year Fixed
5.350%
5.462%
0.000
15-Year Fixed
5.375%
5.560%
0.000
5.990%
6.035%
0.000
10-Year Fixed
5.375%
5.473%
0.000
5.500%
5.620%
0.000
15-Year Fixed (Power Rate)
5.250%
5.510%
0.000
5.490%
5.539%
0.000
30-Year Fixed
6.000%
6.162%
1.000
10-Year Fixed
5.750%
6.024%
0.000
30 Year Fixed (Jumbo)
6.125%
6.176%
0.000
5/6 ARM
5.375%
6.286%
0.947
20-Year Fixed
5.500%
5.627%
0.000
30-Year Fixed
5.875%
5.945%
0.000
5.850%
5.891%
0.000
30-Year Fixed Jumbo
5.750%
5.861%
1.000
5.625%
5.647%
0.000
6.750%
6.880%
0.000
5.750%
5.977%
0.000
7/1 ARM
7.000%
7.111%
0.000
5.625%
5.787%
0.000
5.625%
5.790%
0.000
5.375%
5.999%
0.000
5.875%
6.019%
1.000
15-Year Fixed
5.500%
5.650%
0.000
30-Year Fixed
6.000%
6.067%
0.000
View 50 More

Credit Card Rate Comparison

Institution
Product
APR
Notes
Platinum Secured Visa
8.750%
14.740%
CLASSIC FLAT 1% CASH BACK VISA
18.000%
1% Cash Back Classic Card
Visa Signature Rewards
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
VISA Credit Card
11.900%
No annual fee
Member Rate Advantage VISA
13.040% - 19.040%
No balance transfer fees or annual fees.
18.000%
Platinum Visa
12.400% - 21.400%
The right choice if you carry a monthly balance & want to pay the lowest rate.
Max Rewards Visa Credit Card
15.250%
7.900%
16.100%
Visa Platinum Preferred
14.240% - 17.990%
Everyday Rewards+ Card Visa
19.490% - 29.740%
Earn up to 4x unlimited points AND receive a $150 bonus.
Visa Crimson Rewards Card
13.740%
10.150%
Travel Rewards+ Card Visa
19.740% - 29.740%
Earn 4x unlimited points on travel and more, plus receive a $250 bonus.
Academic FCU VISA® Secured Card
10.900% - 15.400%
No annual fee, no cash advance fee, rewards program.
16.200%
Member Cash Rewards+ VISA
17.040% - 23.040%
Maximize rewards with increased cash back on everyday purchases – with up to 4% cash back on gas purchases. Plus, 3% on groceries, restaurants, and food delivery with 1% on everything else.
Savings Secured Visa®
18.000%
Business Select Credit Card Mastercard
18.000%
Reserve Rewards+ Card Visa
19.740% - 29.740%
Enjoy premium rewards and benefits, plus receive a $500 bonus.
Visa Secure Card
13.740%
VISA Traditional
14.240% - 18.000%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Personal Loan Rate Comparison

Institution
Product
APR
Loan Amt
Loan Term Months
12.990%
$0
12
Credit Builder Loan
9.000%
$0
12.490%
$0
Personal Loan Rates
5.740%
$0
1 - 36
9.200% - 17.950%
$0 - $500
48 - 48
8.990% - 18.000%
$0 - $30,000
72
9.990% - 18.000%
$0 - $50,000
Open-End Unsecured Signature Loan-Line of Credit
10.200%
$0
12.250% - 17.000%
$0 - $20,000
13.450%
$0
Personal Signature Loans
14.000%
$0
60
Unsecured Signature Loan
10.250%
$0
25 - 36
Personal Loan
11.000%
$0
1 - 12
Signature (Unsecured) Loan
11.040%
$0
1 - 24
9.900%
$0
Personal Loans
10.000%
$0
1 - 36
10.490%
$0
Personal Lines of Credit
11.900% - 19.400%
$0
Consolidation Loans
13.060%
$0
1 - 36
Unsecured Signature Loan
9.250%
$0
1 - 24
14.700%
$8,000
60 - 60
50% Share Secured Loan
6.460% - 14.990%
$0
Unsecured (Signature) Loan
11.000%
$0 - $500
8.500%
$0 - $6,000
42
Term Line of Credit 84 months
8.000%
$0
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have Ravalli County Federal Credit Union rate data right now.

Credit Union Profile & Overview

Credit Union Name: Ravalli County Federal Credit Union
Full Time Employees: 16
Part Time Employees: 2
President: Lynn Larson
CEO: Darci Parsons
Branch Locations: 2
ATM Locations: 3
Corporate Office Address:
501 N 1st St
Hamilton, MT 59840 2129
Phone Number: 406-363-4631
Fax Number: 406-363-3354

Financials

Total Assets:
82,712,067
Total Amount of Shares and Deposits:
70,757,088
Total Shares and Deposits < 1 Year:
70,746,047
Total Shares and Deposits 1 3 Years:
8,855
Total Shares and Deposits > 3 Years:
2,185
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
1,744,014
Total Uninsured Shares and Deposits > $250K (F+J):
1,744,014
Total Insured Shares and Deposits > $250K (item 17 less item K):
69,013,074
Total Interest Expense (Sum of items 6 8):
434,039
Share Certificates:
297
Number of Accounts for Share Drafts:
3,919
IRA KEOGH Accounts:
125
Number of Accounts for Regular Shares:
7,044
All other shares:
71
Money Market Shares:
181
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
5,203,017
Total Liabilities:
71,561,665
Show More
Source: NCUA Last Updated 09/30/2025

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Frequently Asked Questions About Ravalli County Federal Credit Union

Is a member application needed to join Ravalli County Federal Credit Union?

Yes, to access services at Ravalli County Federal Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, Ravalli County Federal Credit Union provides a range of mortgage and home equity products.

Is Ravalli County Federal Credit Union a safe place to deposit money?

Yes, Ravalli County Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.

Does Ravalli County Federal Credit Union offer online and mobile banking?

Most modern institutions like Ravalli County Federal Credit Union provide digital access including online balance checks and transfers.

Current Ravalli County Federal Credit Union Rates

ProductAPY

Rates subject to change.

Compare to other Credit Unions