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Overview / Commentary
406-628-7711
617 SE 4th St
Laurel, MT 59044-3307

Seg Federal Credit Union is headquartered in Laurel and is the 33rd largest credit union in the state of Montana. It is also the 3,761st largest credit union in the nation. It was established in 1951 and as of March of 2017, it had grown to 5 employees and 1,460 members at 1 location. Seg Federal Credit Union has a B 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.
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Health
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

Overall
NCUA #7405
Year Chartered1951
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD-0.54%
Return on Equity - YTD-4.52%
Annual Interest Income$138.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$15.1MM$14.8MM
LoansQ1 2017vs Q1 2016$9.4MM$9.3MM
DepositsQ1 2017vs Q1 2016$13.3MM$13.0MM
Equity CapitalQ1 2017vs Q1 2016$1.8MM$1.8MM
Loan Loss AllowanceQ1 2017vs Q1 2016$112.00K$84.00K
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$187.00K$82.00K
Real Estate OwnedQ1 2017vs Q1 2016$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.95%--Christmas Club Account
0.35%*$15k*-IRA Share Account
OTHER TIERS: 0.25% $25 - $5k | 0.30% $5k - $15k
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Share Draft Account

Seg Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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