Overview / Commentary
2000 S Russell St
Missoula, MT 59801-6658

Montana Educators' Credit Union is headquartered in Missoula and is the 32nd largest credit union in the state of Montana. It is also the 3,549th 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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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

NCUA #68190
Year Chartered1995
Primary Regulator
Profit Margin
Return on Assets - YTD0.69%
Return on Equity - YTD7.02%
Annual Interest Income$584.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$16.5MM$16.8MM
LoansQ4 2018vs Q4 2017$9.8MM$10.5MM
DepositsQ4 2018vs Q4 2017$14.7MM$15.1MM
Equity CapitalQ4 2018vs Q4 2017$1.6MM$1.5MM
Loan Loss AllowanceQ4 2018vs Q4 2017$72.00K$64.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$0$10.00K
Real Estate OwnedQ4 2018vs Q4 2017$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.

Montana Educators' Credit Union Savings Account Rates

0.50%*-$10kKasasa 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

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

2.00%*-$10kKasasa Cash Checking
OTHER TIERS: 0.25% $10k+
0.05%$1k-Share Draft Account

Montana Educators' Credit Union CD Rates

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

0.60%$1k-1 Year IRA Share Certificate

Montana Educators' Credit Union Locations
Branch Office1001 Chestnut Hills PkwyFort Wayne, IN 46814
Branch Office2000 S Russell StMissoula, MT 59801-6658

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