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Overview / Commentary
617 SE 4th St
Laurel, MT 59044-3307

Seg Federal Credit Union is headquartered in Laurel and is the 34th largest credit union in the state of Montana. It is also the 3,815th largest credit union in the nation. It was established in 1951 and as of September of 2016, it had grown to 5 employees and 1,712 members at 1 location. Seg Federal Credit Union's savings rates are 63% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Stillwater or Carbon Counties in Montana. Membership is also open to employees of City of Laurel, Walmart of Laurel, Chemtron Company and over 25 other area employer groups.
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. Seg Federal Credit Union has a low asset base.

Health Grade Components

NCUA #7405
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD0.7%
Return on Equity - YTD5.68%
Annual Interest Income$396.00K
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$14.5MM$14.2MM
LoansQ3 2016vs Q3 2015$9.7MM$9.6MM
DepositsQ3 2016vs Q3 2015$12.6MM$12.4MM
Equity CapitalQ3 2016vs Q3 2015$1.8MM$1.8MM
Loan Loss AllowanceQ3 2016vs Q3 2015$76.00K$66.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$262.00K$141.00K
Real Estate OwnedQ3 2016vs Q3 2015$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.

Seg Federal Credit Union Savings Account Rates

0.85%--Christmas Club Account
0.30%*$5k*$15kIRA Share Account
OTHER TIERS: 0.25% $25+
0.25%$1,500-Auxiliary Share Account
0.15%$25-Base Share Savings Account
0.15%$25-Alternate Share

Seg Federal Credit Union Checking Account Rates

0.05%--Share Draft Account

Seg Federal Credit Union CD Rates

0.70%*$10k*-12 Month CD
OTHER TIERS: 0.60% $500 - $10k
0.60%*$10k*-6 Month CD
OTHER TIERS: 0.45% $500 - $5k | 0.50% $5k - $10k

Seg Federal Credit Union Locations
Branch Office617 SE 4th StLaurel, MT 59044-3307