Rocky Mountain Credit Union

Overview / Commentary
3400 N Montana Ave
Helena, MT 59602

Rocky Mountain Credit Union is headquartered in Helena and is the 6th largest credit union in the state of Montana. It is also the 889th largest credit union in the nation. It was established in 1940 and as of June of 2022, it had grown to 84 employees and 23,828 members at 7 locations. Rocky Mountain Credit Union's money market rates are 14% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Rocky Mountain Credit Union is open to individuals who live, work, or worship in the Montana counties of Broadwater, Deer Lodge, Gallatin, Jefferson, Lewis and Clark, Park, Powell, and Silver Bow. Membership is open to Montana State University alumni, State of Montana employees, as well as the employees of more than 50 other SEGs.
See current membership details

Reviews (1)

Great. Great Great !

Posted by: |

Excellent financial institution. They are very friendly over the phone and at the branch. They make your deposits available immediately. Never had any trouble . you can make deposits at 711 stores or etc with the coop shared branch ATM option if you can't make it to a branch nearby. Great mobile deposit and bill pay. banking here for more years to come


Health Grade Components

NCUA #97110
Year Chartered1940
Primary Regulator
Profit Margin
Return on Assets - YTD0.38%
Return on Equity - YTD4.86%
Annual Interest Income$5.3MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$357.8MM$342.6MM
LoansQ2 2022vs Q2 2021$267.8MM$244.4MM
DepositsQ2 2022vs Q2 2021$326.0MM$310.1MM
Equity CapitalQ2 2022vs Q2 2021$27.9MM$27.3MM
Loan Loss AllowanceQ2 2022vs Q2 2021$698.00K$858.00K
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$1.1MM$533.00K
Real Estate OwnedQ2 2022vs Q2 2021$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.

Rocky Mountain Credit Union Savings Account Rates

0.10%*$75k*-Health Savings Account
OTHER TIERS: 0.03% Up to $1k | 0.05% $1k - $5k | 0.07% $5k - $25k | 0.09% $25k - $75k
0.10%*$75k*-IRA Share Savings
OTHER TIERS: 0.03% Up to $1k | 0.05% $1k - $25k | 0.09% $25k - $75k
0.05%*$75k*-Membership Savings
OTHER TIERS: 0.01% Up to $1k | 0.03% $1k - $75k
0.05%*$75k*-Christmas Club Savings
OTHER TIERS: 0.01% Up to $1k | 0.03% $1k - $75k
0.05%*$75k*-First Time Homebuyers Savings
OTHER TIERS: 0.01% Up to $1k | 0.03% $1k - $75k
0.05%*$75k*-Medical Savings
OTHER TIERS: 0.01% Up to $1k | 0.03% $1k - $75k
0.05%*$75k*-Optional Savings
OTHER TIERS: 0.01% Up to $1k | 0.03% $1k - $75k
0.05%--Escrow Savings
0.05%*$75k*-Business Memberships
OTHER TIERS: 0.01% Up to $1k | 0.03% $1k - $75k

Rocky Mountain Credit Union Money Market Rates

0.50%*$100k*-Premier Money Market
OTHER TIERS: 0.15% Up to $50k | 0.25% $50k - $75k | 0.35% $75k - $100k
0.50%*$100k*-Business Premier Money Market
OTHER TIERS: 0.15% Up to $50k | 0.25% $50k - $75k | 0.35% $75k - $100k
0.20%*$20k*-Standard Money Market
OTHER TIERS: 0.02% Up to $2.5k | 0.05% $2.5k - $10k | 0.13% $10k - $20k
0.20%*$20k*-Business Standard Money Market
OTHER TIERS: 0.02% Up to $2.5k | 0.05% $2.5k - $10k | 0.13% $10k - $20k

Rocky Mountain Credit Union Checking Account Rates

0.05%*$50k*-Summit Checking
OTHER TIERS: 0.02% $10k - $50k

Rocky Mountain Credit Union CD Rates

1.36%$1k-60 Month Share Certificate
1.36%$1k-Business 60 Month Certificate
1.21%$1k-48 Month Share Certificate
1.21%$1k-Business 48 Month Certificate
1.06%$1k-36 Month Share Certificate
1.06%$1k-Business 36 Month Certificate
0.95%$1k-24 Month Share Certificate
0.95%$1k-Business 24 Month Certificate
0.90%$250-18 Month Children's Share Certificate
0.85%$1k-18 Month Share Certificate
0.85%$1k-Business 18 Month Certificate
0.75%$1k-12 Month Share Certificate
0.75%$1k-Business 12 Month Certificate
0.75%$1-12 Month CD (Vault)
0.40%$1k-6 Month Share Certificate
0.40%$1k-Business 6 Month Certificate
0.25%$1k-3 Month Share Certificate
0.25%$1k-Business 3 Month Certificate

Rocky Mountain Credit Union IRA Rates

1.36%$2k-60 Month IRA Certificate
1.21%$2k-48 Month IRA Certificate
1.01%$2k-36 Month IRA Certificate
0.95%$2k-24 Month IRA Certificate
0.85%$2k-18 Month IRA Certificate
0.75%$2k-12 Month IRA Certificate

Rocky Mountain Credit Union Locations
Branch Office1820 11th AveHelena, MT 59601
Branch Office3400 N Montana AveHelena, MT 59602
Branch Office8645 Huffine LnBozeman, MT 59718-7565
Branch Office90 W Madison Ave Ste ABelgrade, MT 59714-3955
Branch Office2101 Yale AveButte, MT 59701
Branch Office1840 Baxter DrBozeman, MT 59715
Corporate Office3120 Dredge DrHelena, MT 59602-0515

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