Seg Federal Credit Union

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

Seg Federal Credit Union is headquartered in Laurel and is the 33rd largest credit union in the state of Montana. It is also the 3,382nd largest credit union in the nation. It was established in 1951 and as of June of 2021, it had grown to 4 employees and 1,557 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.
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 - YTD0.6%
Return on Equity - YTD5.79%
Annual Interest Income$356.00K
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$21.6MM$19.2MM
LoansQ2 2021vs Q2 2020$12.9MM$12.7MM
DepositsQ2 2021vs Q2 2020$19.2MM$16.9MM
Equity CapitalQ2 2021vs Q2 2020$2.2MM$2.1MM
Loan Loss AllowanceQ2 2021vs Q2 2020$73.00K$104.00K
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$14.00K$51.00K
Real Estate OwnedQ2 2021vs Q2 2020$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

1.50%--Christmas Club Account
0.35%*$15k*-IRA Share Account
OTHER TIERS: 0.25% $25 - $5k | 0.30% $5k - $15k
0.25%$1.5k-Auxiliary Share Account
0.15%$25-Base Share Savings Account
0.15%--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

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