High Peaks Federal Credit Union

Overview / Commentary
222 S Pacific St
Dillon, MT 59725

High Peaks Federal Credit Union is headquartered in Dillon and is the 22nd largest credit union in the state of Montana. It is also the 2,641st largest credit union in the nation. It was established in 1961 and as of December of 2023, it had grown to 10 employees and 3,712 members at 3 locations. High Peaks Federal Credit Union's CD rates are 6X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in High Peaks Federal Credit Union is open to those who live, work, or worship in the Montana counties of Beaverhead, Jefferson (southern portion), and Madison. Eligibility also extends to immediate family.
See current membership details

Related Posts

High Rates On Three Cds In SW Montana - 4/15/2024

Probably none of us qualify for these rates, but they deserve a mention: 18 Month Share Certificate, 5.92% APY ($50k), 5.71% APY ($25k) 24 Month Share Certificate, 5.81% APY ($50k) 12 Month Share Certificate, 5.71% APY ($50k), 5.39% APY ($25k) Small credit union with a FOM that includes three SW Montana counties, although immediate family members of a current High Peaks member are eligible to join.


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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. High Peaks Federal Credit Union has a low asset base.

Health Grade Components

NCUA #14668
Year Chartered1961
Primary Regulator
Profit Margin
Return on Assets - YTD0.47%
Return on Equity - YTD8.94%
Annual Interest Income$2MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$40.9MM$40.9MM
LoansQ4 2023vs Q4 2022$33.4MM$31.2MM
DepositsQ4 2023vs Q4 2022$38.9MM$38.3MM
Equity CapitalQ4 2023vs Q4 2022$2.2MM$2.3MM
Loan Loss AllowanceQ4 2023vs Q4 2022$161K$0
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$207K$982K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

High Peaks Federal Credit Union Savings Account Rates

5.13%--Christmas Club
1.26%$1-Regular Shares
1.26%--IRA Accounts
1.26%--Montana Medical Savings

High Peaks Federal Credit Union CD Rates

5.92%*$50k*-18 Month Share Certificate
OTHER TIERS: 5.32% $500 - $25k | 5.71% $25k - $50k
5.81%*$50k*-24 Month Share Certificate
OTHER TIERS: 4.03% $500 - $25k | 4.24% $25k - $50k
5.71%*$50k*-12 Month Share Certificate
OTHER TIERS: 5.13% $500 - $25k | 5.39% $25k - $50k
3.56%$500-36 Month Share Certificate
3.30%*$25k*-9 Month Share Certificate
OTHER TIERS: 3.05% $500 - $25k
2.53%$500-6 Month Share Certificate
1.51%$500-90 Day Share Certificate

High Peaks Federal Credit Union Locations
Branch Office9 N Main StWhitehall, MT 59759-7711
Branch Office222 S Pacific sTDillon, MT 59725-2755
Branch Office103 S Main StSheridan, MT 59749

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