Lincoln County Credit Union


Overview / Commentary
406-293-7771
714 W 6th St
Libby, MT 59923

Lincoln County Credit Union is headquartered in Libby and is the 12th largest credit union in the state of Montana. It is also the 1,410th 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

Health Grade Components

Overall
NCUA #63199
Year Chartered1957
Employees12
Primary Regulator
Profit Margin
Return on Assets - YTD1.47%
Return on Equity - YTD6.79%
Annual Interest Income$1.6MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$168MM$164.1MM
LoansQ1 2025vs Q1 2024$69.3MM$70.3MM
DepositsQ1 2025vs Q1 2024$131.9MM$130.5MM
Equity CapitalQ1 2025vs Q1 2024$35.8MM$33.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$248K$199K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$369K$52K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not Lincoln County Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$5k-High Yield Checking

Lincoln County Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$100k*-IRA Savings
OTHER TIERS: 0.30% $0 - $20k | 0.50% $20k - $100k
Locations


Lincoln County Credit Union Locations
Branch Office607 E Missoula Ave.TROY, MT 59935
Branch Office714 W 6th StLibby, MT 59923

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