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Whitefish Credit Union Association Rates & Review September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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  • Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated and Verified: September 22, 2026

Whitefish Credit Union Association's 15 Month CD rates are at 3.75%, 4 Month CD rates are at 3.75%, 8 Month CD rates are at 3.75%. Whitefish Credit Union Association's savings rates are at 1.10%. Whitefish Credit Union Association's Personal Loan Rates are as low as 9.75%. Whitefish Credit Union Association's Credit Card Rates are at 9.75%. MonitorBankRates evaluates the financial stability of Whitefish Credit Union Association with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.40%. Rates last updated and verified on 09/22/2026.

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

MonitorBankRates Verified Healthy Badge 2026 Verified Healthy 2026 Use This Badge on Your Credit Union Website
Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.40%
Excellent Lower than avg
Health Trend ?
Very strong 12 quarters
Full history ›
Whitefish Credit Union Association
Whitefish Credit Union - Whitefish Office
300 Baker Ave
Whitefish, MT 59937
https://www.whitefishcu.com
Member NCUA

Whitefish Credit Union Association CD Rates

Product Rate APY Term View More
15 Month Certificate 3.69% 3.75% 15-month
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
4 Month Certificate 3.69% 3.75% 4-month
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
8 Month Certificate 3.69% 3.75% 8-month
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%

Whitefish Credit Union Association Savings Rates

Product Rate APY View More
Savings 1.10% 1.10%
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%

Whitefish Credit Union Association Checking Rates

Product Rate APY View More
Checking 0.05% 0.05%
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%

Whitefish Credit Union Association Credit Card Rates

Product Rate APR View More
Credit Card - 9.75%
Details Published APR range: 9.75% to 17.75%. based on your creditworthiness. Penalty APR and When it Applies: . How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge: . Annual Fee - Annual Fee: . Transaction Fees - Balance Transfer Fee: . Transaction Fees - Cash Advance Fee: . Transaction Fees - Foreign Transaction Fee: 1.00% of each transaction in U.S. dollars. Transaction Fees - Transaction Fee for Purchases: . Penalty Fees - Late Payment Fee: Up to $25.00
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%

Whitefish Credit Union Association Personal Loan Rates

Product APR Term View More
PERSONAL LOAN 9.75%
No additional details.
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%

Whitefish Credit Union Association Other Rates

Product Rate Points APY/APR Term View More
IRA 1.38% - 1.38%
Last Updated 09/22/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 0.40%
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.
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Financial Health History

Whitefish Credit Union Association’s Texas Ratio stayed near 0.15% in Q2 2023 to 0.40% 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.

0% 1.0★ 0.4% 2.0★ 0.7% 3.0★ 1.1% 4.0★ 1.4% 5.0★ Healthy zone – entire history below the 15% limit 0.15% A+ Q2 2023 A+ Q3 2023 A+ Q4 2023 A+ Q1 2024 A+ Q2 2024 A+ Q3 2024 A+ Q4 2024 A+ Q1 2025 A+ Q2 2025 A+ Q3 2025 A+ Q4 2025 0.40% A+ Q1 2026
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
Powered by MonitorBankRates

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
QuarterTotal assetsTexas RatioStar RatingHealth Grade
March 31, 2026$2.1B0.40%5.0A+
December 31, 2025$2.1B0.79%5.0A+
September 30, 2025$2.0B0.86%5.0A+
June 30, 2025$2.0B0.57%5.0A+
March 31, 2025$2.0B1.06%5.0A+
December 31, 2024$1.9B0.66%5.0A+
September 30, 2024$2.0B0.49%5.0A+
June 30, 2024$2.1B0.54%5.0A+
March 31, 2024$2.1B0.11%5.0A+
December 31, 2023$2.1B0.22%5.0A+
September 30, 2023$2.1B0.30%5.0A+
June 30, 2023$2.2B0.15%5.0A+
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 Whitefish Credit Union Association 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 Whitefish Credit Union Association 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 Whitefish Credit Union Association's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Whitefish Credit Union Association
Website https://www.whitefishcu.com
Address 300 Baker Ave, Whitefish, MT 59937
Phone 406-862-3525
Fax 406-862-2143
President Frank Barnes
CEO James Kenyon
Full-Time Employees 232
Part-Time Employees 0
Branch Locations 8
ATM Locations 8
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.40%
Return on Assets (ROA)
0.0962%
Return on Equity (ROE)
0.7664%
Non-Performing Loans Ratio (NPL)
0.08%
Total Assets
2,064,501,376
Total Amount of Shares and Deposits
1,778,532,837
Total Shares and Deposits < 1 Year
1,682,192,038
Total Shares and Deposits 1 3 Years
96,340,799
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
206,657,054
Total Uninsured Shares and Deposits > $250K (F+J)
206,657,054
Total Insured Shares and Deposits > $250K (item 17 less item K)
1,571,875,783
Total Interest Expense (Sum of items 6 8)
10,214,270
Share Certificates
8,944
Number of Accounts for Share Drafts
22,245
IRA KEOGH Accounts
2,933
Number of Accounts for Regular Shares
61,771
All other shares
29
Net Income (unless the amount is already included in Undivided Earnings)
1,985,717
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)
102,232,676
Total Liabilities
1,872,642,026
Source: NCUA — Last Updated 03/31/2026
MonitorBankRates Verified Healthy Badge 2026
2026 MBR Health & Safety Badge

Whitefish Credit Union Association earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/whitefish-credit-union-association-rates-review-61949">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>
Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Whitefish Credit Union Association yet. Feel free to create one below.
Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
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Total Reviews
0
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Frequently Asked Questions About Whitefish Credit Union Association

How many branches does Whitefish Credit Union Association operate?

Whitefish Credit Union Association 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 Whitefish Credit Union Association?

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

Does Whitefish Credit Union Association offer online and mobile banking?

Most modern institutions like Whitefish Credit Union Association 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.whitefishcu.com.

Current Whitefish Credit Union Association Rates

  • Savings1.10%
Retrieved from our database of financial products. Rates subject to change.

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