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 878th largest credit union in the nation. It was established in 1940 and as of March of 2024, it had grown to 75 employees and 24,762 members at 7 locations. Rocky Mountain Credit Union's money market rates are 5X 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, Cascade, Deer Lodge, Gallatin, Jefferson, Lewis and Clark, Madison, Park, Powell, or 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 - YTD0.29%
Return on Equity - YTD3.64%
Annual Interest Income$4.5MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$383.4MM$381MM
LoansQ1 2024vs Q1 2023$273.2MM$281.9MM
DepositsQ1 2024vs Q1 2023$349MM$348.4MM
Equity CapitalQ1 2024vs Q1 2023$30.5MM$28MM
Loan Loss AllowanceQ1 2024vs Q1 2023$1.8MM$2MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$2.2MM$1.2MM
Real Estate OwnedQ1 2024vs Q1 2023$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

0.50%*$75k*-Health Savings Account
OTHER TIERS: 0.03% $0 - $1k | 0.10% $1k - $5k | 0.15% $5k - $25k | 0.25% $25k - $75k
0.50%*$75k*-IRA Share Savings
OTHER TIERS: 0.03% $0 - $1k | 0.10% $1k - $5k | 0.15% $5k - $25k | 0.25% $25k - $75k
0.25%*$75k*-Membership Savings
OTHER TIERS: 0.01% $0 - $1k | 0.05% $1k - $5k | 0.10% $5k - $25k | 0.15% $25k - $75k
0.25%*$75k*-Christmas Club Savings
OTHER TIERS: 0.01% $0 - $1k | 0.05% $1k - $5k | 0.10% $5k - $25k | 0.15% $25k - $75k
0.25%*$75k*-First Time Homebuyers Savings
OTHER TIERS: 0.01% $0 - $1k | 0.05% $1k - $5k | 0.10% $5k - $25k | 0.15% $25k - $75k
0.25%*$75k*-Medical Savings
OTHER TIERS: 0.01% $0 - $1k | 0.05% $1k - $5k | 0.10% $5k - $25k | 0.15% $25k - $75k
0.25%*$75k*-Optional Savings
OTHER TIERS: 0.01% $0 - $1k | 0.05% $1k - $5k | 0.10% $5k - $25k | 0.15% $25k - $75k
0.25%*$75k*-Business Memberships
OTHER TIERS: 0.01% $0 - $1k | 0.05% $1k - $5k | 0.10% $5k - $25k | 0.15% $25k - $75k
0.05%$0-Escrow Savings

Rocky Mountain Credit Union Money Market Rates

2.28%*$100k*-Business Premier Money Market
OTHER TIERS: 1.77% $0 - $50k | 2.02% $50k - $75k | 2.12% $75k - $100k
2.25%*$100k*-Premier Money Market
OTHER TIERS: 1.75% $0 - $50k | 2.00% $50k - $75k | 2.12% $75k - $100k
1.51%*$20k*-Standard Money Market
OTHER TIERS: 0.50% $0 - $2.5k | 1.01% $2.5k - $10k | 1.26% $10k - $20k
1.51%*$20k*-Business Standard Money Market
OTHER TIERS: 0.50% $0 - $2.5k | 1.01% $2.5k - $10k | 1.26% $10k - $20k

Rocky Mountain Credit Union Checking Account Rates

4.50%$0-Summit Checking

Rocky Mountain Credit Union CD Rates

4.59%$1k-6 Month Certificate
4.59%$1k-Business 180 Day Certificate
4.42%$1k-12 Month Certificate
4.42%$1k-Business 12 Month Certificate
4.20%$1k-90 Day Certificate
4.20%$1k-Business 90 Day Certificate
4.19%$1k-18 Month Certificate
4.19%$250-18 Month Children's Share Certificate
4.19%$1k-Business 18 Month Certificate
4.08%$1k-2 Year Certificate
4.08%$1k-3 Year Certificate
4.08%$1k-Business 2 Year Certificate
4.08%$1-12 Month Certificate (Vault)
4.08%$1k-Business 3 Year Certificate
4.02%$1k-4 Year Certificate
4.02%$1k-Business 4 Year Certificate
4.02%$1k-60 Month Certificate
4.02%$1k-Business 60 Month Certificate

Rocky Mountain Credit Union IRA Rates

4.19%$2k-12 Month IRA Certificate
4.08%$2k-18 Month IRA Certificate
4.08%$2k-2 Year IRA Certificate
4.08%$2k-3 Year IRA Certificate
4.02%$2k-4 Year IRA Certificate
4.02%$2k-5 Year 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 59718-7564
Branch Office2101 Yale AveButte, MT 59701
Branch Office1840 Baxter DrBozeman, MT 59715
Corporate Office3120 Dredge DrHelena, MT 59602-0515
Branch Office101 Thunder RdBelgrade, MT 59714-8939

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