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Community 1st Federal Credit Union


Overview / Commentary
www.c1stfcu.org
406-234-2550
2905 Main St
Miles City, MT 59301

Community 1st Federal Credit Union is headquartered in Miles City and is the 23rd largest credit union in the state of Montana. It is also the 2,722nd largest credit union in the nation. It was established in 1953 and as of September of 2022, it had grown to 9 employees and 3,715 members at 2 locations. Community 1st Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Membership in Community 1st Federal Credit Union is open to those who live, work, worship, or attend school in the Montana counties of Carter, Custer, Garfield, Prairie, Powder River, or Rosebud. Members of any association headquartered in Miles City (MT) also qualify for membership.
See current membership details

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Health
C+

Data as of Q3 2022

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Community 1st Federal Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #8588
Year Chartered1953
Employees9
Primary Regulator
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD7.02%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ3 2022vs Q3 2021$40.5MM$38.2MM
LoansQ3 2022vs Q3 2021$26.1MM$25.3MM
DepositsQ3 2022vs Q3 2021$36.4MM$34.5MM
Equity CapitalQ3 2022vs Q3 2021$3.6MM$3.4MM
Loan Loss AllowanceQ3 2022vs Q3 2021$287.00K$210.00K
Unbacked Noncurrent LoansQ3 2022vs Q3 2021$1.3MM$1.4MM
Real Estate OwnedQ3 2022vs Q3 2021$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Community 1st Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%--PeeWee Penguin Club
0.35%$10-For Young Investors Account
0.25%--Christmas Club
0.25%--IRA Share Account
0.15%$10-Share Savings

Community 1st Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%*$75k*-Money Market Account
OTHER TIERS: 0.25% → $1k - $25k | 0.35% → $25k - $75k

Community 1st Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%$500-36 Month Share Certificate
0.55%$500-24 Month Share Certificate
0.45%$500-18 Month Share Certificate
0.40%$500-12 Month Share Certificate
0.25%$500-6 Month Share Certificate

Community 1st Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%$500-24 Month Traditional IRA Certificate
0.45%$500-12 Month Traditional IRA Certificate
0.30%$500-6 Month Traditional IRA Certificate
Locations


Community 1st Federal Credit Union Locations
Branch Office104 S Main StEkalaka, MT 59324
Branch Office2905 Main StMiles City, MT 59301

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