Billings Federal Credit Union

Overview / Commentary

www.billingsfcu.org

406-248-1127

2522 4th Ave N
Billings, MT 59103-1779

Billings Federal Credit Union is headquartered in Billings and is the 10^th largest credit union in the state of Montana. It is also the 1,260^th largest credit union in the nation. It was established in 1935 and as of December of 2022, it had grown to 47 employees and 12,283 members at 6 locations. Billings Federal Credit Union's money market rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Billings Federal Credit Union is open to those who live, work, worship, or attend school in the Montana counties of Big Horn, Carbon, or Yellowstone. Membership is also open to family of current members.
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Health

Data as of Q4 2022

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Health Grade Components

Overall
NCUA #	887
Year Chartered	1935
Employees	47
Primary Regulator

Profit Margin
Return on Assets - YTD	0.75%
Return on Equity - YTD	5.89%
Annual Interest Income	$7.4MM

Assets and Liabilities
Assets	Q4 2022vs Q4 2021	$197.9MM$188.5MM
Loans	Q4 2022vs Q4 2021	$162.7MM$145.9MM
Deposits	Q4 2022vs Q4 2021	$160.0MM$156.6MM
Equity Capital	Q4 2022vs Q4 2021	$24.6MM$23.1MM
Loan Loss Allowance	Q4 2022vs Q4 2021	$797.00K$847.00K
Unbacked Noncurrent Loans	Q4 2022vs Q4 2021	$1.8MM$1.0MM
Real Estate Owned	Q4 2022vs Q4 2021	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Billings Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.05%^*	$25k^*	-	IRA Shares Account
OTHER TIERS: 0.85% → Up to $5k \| 0.95% → $5k - $25k
1.00%	$5	-	Active Saver Suite Account
0.10%^*	$1k^*	-	Share Savings Account
OTHER TIERS: 0.05% → $25 - $1k

Billings Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.50%^*	$250k^*	-	Premium Money Market Account
OTHER TIERS: 0.85% → $25k - $50k \| 1.20% → $50k - $100k \| 1.35% → $100k - $250k
0.60%^*	$100k^*	-	Priority Money Market Account
OTHER TIERS: 0.50% → $2.5k - $50k \| 0.55% → $50k - $100k

Billings Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	-	-	Secure Checking

Billings Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.60%^*	$50k^*	-	60 Month Share Certificate
OTHER TIERS: 1.90% → $500 - $2.5k \| 2.30% → $2.5k - $10k \| 2.40% → $10k - $25k \| 3.00% → $25k - $50k
3.25%^*	$50k^*	-	30 Month Share Certificate
OTHER TIERS: 1.75% → $500 - $2.5k \| 2.10% → $2.5k - $10k \| 2.20% → $10k - $25k \| 2.75% → $25k - $50k
2.85%^*	$50k^*	-	24 Month Share Certificate
OTHER TIERS: 1.65% → $500 - $2.5k \| 2.05% → $2.5k - $10k \| 2.10% → $10k - $25k \| 2.60% → $25k - $50k
2.65%^*	$50k^*	-	18 Month Share Certificate
OTHER TIERS: 1.55% → $500 - $2.5k \| 1.95% → $2.5k - $10k \| 2.05% → $10k - $25k \| 2.45% → $25k - $50k
2.60%^*	$50k^*	-	12 Month Share Certificate
OTHER TIERS: 1.50% → $500 - $2.5k \| 1.90% → $2.5k - $10k \| 2.00% → $10k - $25k \| 2.35% → $25k - $50k
2.25%^*	$50k^*	-	6 Month Share Certificate
OTHER TIERS: 1.50% → $2.5k - $10k \| 1.75% → $10k - $25k \| 2.00% → $25k - $50k
1.75%	$100	-	12 Month Cubby Share Certificate
1.75%	$100	-	12 Month Student Members Share Certificate
1.50%	$100	-	6 Month Cubby Share Certificate
1.50%	$100	-	6 Month Student Members Share Certificate
1.30%^*	$50k^*	-	3 Month Share Certificate
OTHER TIERS: 1.00% → $2.5k - $10k \| 1.10% → $10k - $25k \| 1.20% → $25k - $50k

Billings Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.85%^*	$50k^*	-	60 Month IRA
OTHER TIERS: 2.15% → $500 - $2.5k \| 2.55% → $2.5k - $10k \| 2.65% → $10k - $25k \| 3.25% → $25k - $50k
3.60%^*	$50k^*	-	30 Month IRA
OTHER TIERS: 2.00% → $500 - $2.5k \| 2.35% → $2.5k - $10k \| 2.45% → $10k - $25k \| 3.00% → $25k - $50k
3.10%^*	$50k^*	-	24 Month IRA
OTHER TIERS: 1.90% → $500 - $2.5k \| 2.30% → $2.5k - $10k \| 2.35% → $10k - $25k \| 2.85% → $25k - $50k
2.90%^*	$50k^*	-	18 Month IRA
OTHER TIERS: 1.80% → $500 - $2.5k \| 2.20% → $2.5k - $10k \| 2.30% → $10k - $25k \| 2.70% → $25k - $50k
2.85%^*	$50k^*	-	12 Month IRA
OTHER TIERS: 1.75% → $500 - $2.5k \| 2.15% → $2.5k - $10k \| 2.25% → $10k - $25k \| 2.60% → $25k - $50k
2.50%^*	$50k^*	-	6 Month IRA
OTHER TIERS: 1.60% → $500 - $2.5k \| 1.75% → $2.5k - $10k \| 2.00% → $10k - $25k \| 2.25% → $25k - $50k

Locations

Billings Federal Credit Union Locations
Branch Office	501 Park Dr S	Great Falls, MT 59405-1879
Branch Office	3212 Central Ave	Billings, MT 59102
Branch Office	2522 4th Ave N	Billings, MT 59101-1316
Branch Office	1516 Main St	Billings, MT 59105
Branch Office	3210 Henesta Dr Ste A	Billings, MT 59102-7020
Branch Office	990 Grand Ave	Billings, MT 59102

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