Lincoln County Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.lincolncountycu.com

406-293-7771

714 W 6th St
Libby, MT 59923

Lincoln County Credit Union is headquartered in Libby and is the 12^th largest credit union in the state of Montana. It is also the 1,410^th largest credit union in the nation. It was established in 1957 and as of March of 2025, it had grown to 12 employees and 5,715 members at 2 locations. Lincoln County Credit Union's CD rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Lincoln County Credit Union offers membership to those who work or live in Lincoln County, Montana.
See current membership details

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	63199
Year Chartered	1957
Employees	12
Primary Regulator

Profit Margin
Return on Assets - YTD	1.47%
Return on Equity - YTD	6.79%
Annual Interest Income	$1.6MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$168MM$164.1MM
Loans	Q1 2025vs Q1 2024	$69.3MM$70.3MM
Deposits	Q1 2025vs Q1 2024	$131.9MM$130.5MM
Equity Capital	Q1 2025vs Q1 2024	$35.8MM$33.1MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$248K$199K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$369K$52K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

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.

Lincoln County Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%^*	$20k^*	-	Share Account
OTHER TIERS: 0.20% → $0 - $5k \| 0.25% → $5k - $10k \| 0.30% → $10k - $20k

Lincoln County Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.40%^*	$100k^*	-	Money Market Share Draft Account
OTHER TIERS: 1.30% → $0 - $20k \| 1.35% → $20k - $100k

Lincoln County Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$5k	-	High Yield Checking

Lincoln County Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.50%	$1k	-	12 Month Share Certificate
4.00%	$1k	-	18 Month Share Certificate
3.50%	$1k	-	2 Year Share Certificate
3.00%	$1k	-	3 Year Share Certificate
3.00%	$1k	-	5 Year Share Certificate
2.75%	$1k	-	4 Year Share Certificate

Lincoln County Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$100k^*	-	IRA Savings
OTHER TIERS: 0.30% → $0 - $20k \| 0.50% → $20k - $100k

Locations

Lincoln County Credit Union Locations
Branch Office	607 E Missoula Ave.	TROY, MT 59935
Branch Office	714 W 6th St	Libby, MT 59923

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