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Rocky Mountain Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.rmcu.net
406-447-5328
3400 N Montana Ave
Helena, MT 59602

Rocky Mountain Credit Union is headquartered in Helena and is the 5th largest credit union in the state of Montana. It is also the 847th largest credit union in the nation. It was established in 1940 and as of March of 2025, it had grown to 80 employees and 24,332 members at 7 locations. Rocky Mountain Credit Union's CD rates are 4X 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

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Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #97110
Year Chartered1940
Employees80
Primary Regulator
Profit Margin
Return on Assets - YTD0.5%
Return on Equity - YTD6.08%
Annual Interest Income$4.9MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$408.4MM$383.4MM
LoansQ1 2025vs Q1 2024$252.6MM$273.2MM
DepositsQ1 2025vs Q1 2024$352MM$349MM
Equity CapitalQ1 2025vs Q1 2024$33.5MM$30.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.7MM$1.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$2.6MM$2.2MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/8/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$75k*-Health Savings Account
OTHER TIERS: 0.03% → $0 - $1k | 0.10% → $1k - $5k | 0.15% → $5k - $25k | 0.25% → $25k - $75k
0.25%*$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$100k*-Premier Money Market
OTHER TIERS: 1.26% → $0 - $50k | 1.36% → $50k - $75k | 1.41% → $75k - $100k
0.90%*$20k*-Standard Money Market
OTHER TIERS: 0.40% → $0 - $2.5k | 0.50% → $2.5k - $10k | 0.70% → $10k - $20k
0.90%*$20k*-Business Standard Money Market
OTHER TIERS: 0.40% → $0 - $2.5k | 0.50% → $2.5k - $10k | 0.70% → $10k - $20k

Rocky Mountain Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$0$20kSummit Checking
OTHER TIERS: 0.05% → $20k+

Rocky Mountain Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%$1k-8 Month Certificate Special
3.97%$1k-90 Day Certificate
3.97%$1k-Business 90 Day Certificate
3.92%$1k-6 Month Certificate
3.92%$1k-Business 180 Day Certificate
3.56%$1k-12 Month Certificate
3.56%$1k-Business 12 Month Certificate
3.56%$1-12 Month Certificate (Vault)
3.45%$1k-18 Month Certificate
3.45%$250-18 Month Children's Share Certificate
3.45%$1k-Business 18 Month Certificate
3.35%$1k-60 Month Certificate
3.35%$1k-Business 60 Month Certificate
3.30%$1k-2 Year Certificate
3.30%$1k-3 Year Certificate
3.30%$1k-4 Year Certificate
3.30%$1k-Business 2 Year Certificate
3.30%$1k-Business 4 Year Certificate
3.30%$1k-Business 3 Year Certificate

Rocky Mountain Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.56%$2k-12 Month IRA Certificate
3.45%$2k-18 Month IRA Certificate
3.40%$2k-5 Year IRA Certificate
3.35%$2k-2 Year IRA Certificate
3.35%$2k-3 Year IRA Certificate
3.35%$2k-4 Year IRA Certificate
0.50%*$75k*-IRA Share Savings
OTHER TIERS: 0.03% → $0 - $1k | 0.10% → $1k - $5k | 0.15% → $5k - $25k | 0.25% → $25k - $75k
Locations


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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