SEG Federal Credit Union


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

SEG Federal Credit Union is headquartered in Laurel and is the 30th largest credit union in the state of Montana. It is also the 3,172nd largest credit union in the nation. It was established in 1951 and as of December of 2023, it had grown to 5 employees and 1,925 members at 2 locations. SEG Federal Credit Union's CD rates are 11% higher than the national average, and it has a C+ health rating.

Field of Membership Restrictions

SEG Federal Credit Union is open to anyone who lives, works, worships, or goes to school in Carbon or Stillwater County. Employees of any SEG located in Laurel, MT, and family of credit union members also qualify for membership.
See current membership details

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Health
C+
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 - YTD1.17%
Return on Equity - YTD10.58%
Annual Interest Income$1MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$23.1MM$23.7MM
LoansQ4 2023vs Q4 2022$17MM$15.7MM
DepositsQ4 2023vs Q4 2022$20.3MM$21.1MM
Equity CapitalQ4 2023vs Q4 2022$2.6MM$2.4MM
Loan Loss AllowanceQ4 2023vs Q4 2022$126K$55K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$187K$105K
Real Estate OwnedQ4 2023vs Q4 2022$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
1.50%--Christmas Club Account
0.50%$1.5k-Auxiliary Share Account
0.35%*$15k*-IRA Share Account
OTHER TIERS: 0.25% $25 - $5k | 0.30% $5k - $15k
0.20%--Alternate Share
0.15%$25-Base Share Savings Account

SEG Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Share Draft Account

SEG Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%*$10k*-24 Month CD
OTHER TIERS: 1.00% $500 - $5k | 1.20% $5k - $10k
1.00%*$10k*-12 Month CD
OTHER TIERS: 0.75% $500 - $5k | 0.85% $5k - $10k
0.80%*$10k*-6 Month CD
OTHER TIERS: 0.60% $500 - $5k | 0.65% $5k - $10k
Locations


SEG Federal Credit Union Locations
Branch Office617 SE 4th StLaurel, MT 59044-3307
Branch Office2320 Zoo DrBillings, MT 59101-6231

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