Montana Educators' Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.00%	Reward Checking	1.75% - National Average
0.50%	Reward Savings	0.85% - National Average
0.60%	1-year CD	2.70% - Goldman Sachs Bank USA High-yield 12 Month CD

View all Montana Educators' Credit Union rates »

Overview / Commentary

www.mtedcu.org

406-728-1034

2000 S Russell St
Missoula, MT 59801-6658

Montana Educators' Credit Union is headquartered in Missoula and is the 32^nd largest credit union in the state of Montana. It is also the 3,549^th largest credit union in the nation. It was established in 1995 and as of December of 2018, it had grown to 4 employees and 1,416 members at 2 locations. Montana Educators' Credit Union's money market rates are 14% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership is open to residents of Missoula County in Montana.
See current membership details

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Health

C+

Data as of Q4 2018

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. Montana Educators' Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #	68190
Year Chartered	1995
Employees	4
Primary Regulator

Profit Margin
Return on Assets - YTD	0.69%
Return on Equity - YTD	7.02%
Annual Interest Income	$584.00K

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$16.5MM$16.8MM
Loans	Q4 2018vs Q4 2017	$9.8MM$10.5MM
Deposits	Q4 2018vs Q4 2017	$14.7MM$15.1MM
Equity Capital	Q4 2018vs Q4 2017	$1.6MM$1.5MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$72.00K$64.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$0$10.00K
Real Estate Owned	Q4 2018vs Q4 2017	$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.

Montana Educators' Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	-	$10k	Kasasa Savers Rates
OTHER TIERS: 0.25% → $10k+
0.25%	$5	-	IRA Shares
0.05%	$5	-	Regular Shares
0.05%	$35	-	Medical Savings Account

Montana Educators' Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.15% → Up to $10k \| 0.20% → $10k - $25k \| 0.25% → $25k - $50k \| 0.35% → $50k - $100k

Montana Educators' Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	-	$10k	Kasasa Cash Checking
OTHER TIERS: 0.25% → $10k+
0.05%	$1k	-	Share Draft Account

Montana Educators' Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	$1k	-	2 Year Share Certificate
0.60%	$1k	-	1 Year Share Certificate
0.40%	$1k	-	6 Month Share Certificate

Montana Educators' Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.60%	$1k	-	1 Year IRA Share Certificate

Locations

Montana Educators' Credit Union Locations
Branch Office	1001 Chestnut Hills Pkwy	Fort Wayne, IN 46814
Branch Office	2000 S Russell St	Missoula, MT 59801-6658

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