Featured Savings Rates
Featured Accounts

Valley FCU of Montana

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.00%Reward CheckingRewards Checking
0.50%Reward SavingsRewards Savings
1.51%5-year CD60 Months Small Saver CD

Overview / Commentary
406-656-9100
1541 Custer Ave
Billings, MT 59102

Valley FCU of Montana is headquartered in Billings and is the 5th largest credit union in the state of Montana. It is also the 942nd largest credit union in the nation. It was established in 1949 and as of March of 2016, it had grown to 79 employees and 25,755 members at 8 locations. Valley FCU of Montana has an A health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Yellowstone, Musselshell, Big Horn, Treasure, Carbon, Stillwater, Golden Valley and Sweetgrass County, Montana, and who live, work, worship, or attend school in, or businesses and other legal entities in Park County, Wyoming.
See current membership details

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Reviews (1)

Good CU in Montana

Posted by: Pukerat | Oct 1, 2015

My wife and I switched to this credit union after Wells Fargo charged us yet another unnecessary fee. Valley Federal Credit Union has been very good to us. They offer amazing interest rates on their checking account. Of course, there are some "catches" to getting the interest rates: You have to run your card as a credit card at least 15 times a month and use direct deposit. For the most part, this is not a problem because everybody has direct deposit now days, and using your card 15 times a month is not that hard when you consider grocery shopping, buying snack, eating out, etc.

We have been with them for 2 years now and have yet to receive any hidden or unnecessary fees like big banks like to dish out.

They will also refund ATM fees since they don't have their own ATMs set up (like big banks do), which is very nice because taking cash out when you are on the road could get expensive!



Health
A

Health Grade Components

Overall
NCUA #24214
Year Chartered1949
Employees79
Primary Regulator
Profit Margin
Return on Assets - YTD0.64%
Return on Equity - YTD5.73%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$216.4MM$211.9MM
LoansQ1 2016vs Q1 2015$162.5MM$149.1MM
DepositsQ1 2016vs Q1 2015$190.4MM$187.7MM
Equity CapitalQ1 2016vs Q1 2015$24.1MM$22.4MM
Loan Loss AllowanceQ1 2016vs Q1 2015$1.2MM$887.00K
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$1.0MM$967.00K
Real Estate OwnedQ1 2016vs Q1 2015$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.

Valley FCU of Montana Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*-$20kRewards Savings
OTHER TIERS: 0.25% $20k+
0.25%$25-Christmas Club
0.10%$25-Business Savings
0.05%$25-Regular Savings
0.05%$25-Stash Savings
0.05%$25-IRA Variable Rate Share Accounts
0.05%$25-Roth IRA Variable Rate Share Account

Valley FCU of Montana Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$75k*-Money Market Savings
OTHER TIERS: 0.05% $1k - $10k | 0.10% $10k - $50k | 0.15% $50k - $75k

Valley FCU of Montana Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*-$10kRewards Checking
OTHER TIERS: 0.05% $10k+
1.00%-$1kStudent Checking
0.75%*$2,500*$10kPremier High Rate Checking (with direct deposit)
OTHER TIERS: 0.25% $10k+
0.25%*$25k*-Business Interest Checking
OTHER TIERS: 0.05% Up to $5k | 0.15% $5k - $25k
0.25%*$2,500*$10kPremier High Rate Checking (no direct deposit)
OTHER TIERS: 0.10% $10k+

Valley FCU of Montana CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$500-60 Months Small Saver CD
1.26%$500-48 Months Small Saver CD
1.00%$500-36 Months Small Saver CD
0.80%$500-30 Months Small Saver CD
0.75%$500-24 Months Small Saver CD
0.65%$500-24 Months Step-Up CD
0.45%$500-21 Months Small Saver CD
0.40%$500-18 Months Small Saver CD
0.35%$500-15 Months Small Saver CD
0.30%$500-12 Months Small Saver CD
0.30%$100-12 Months Youth CD
0.25%$1k-9 Months Money Market CD
0.15%$1k-6 Months Money Market CD

Valley FCU of Montana IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.51%$500-60 Months Small Saver IRA Certificate
1.26%$500-48 Months Small Saver IRA Certificate
1.00%$500-36 Months Small Saver IRA Certificate
0.80%$500-30 Months Small Saver IRA Certificate
0.75%$500-24 Months Small Saver IRA Certificate
0.65%$500-24 Months Step-Up IRA Certificate
0.45%$500-21 Months Small Saver IRA Certificate
0.40%$500-18 Months Small Saver IRA Certificate
0.35%$500-15 Months Small Saver IRA Certificate
0.30%$500-12 Months Small Saver IRA Certificate
0.25%$1k-9 Months Money Market IRA Certificate
0.15%$1k-6 Months Money Market IRA Certificate
Locations


Valley FCU of Montana Locations
Branch Office400 W Pike AveColumbus, MT 59019-7190
Branch Office207 N 28th StBillings, MT 59101
Branch Office1445 Main StBillings, MT 59105
Branch Office3025 King Ave WBillings, MT 59102
Branch Office1541 Custer AveBillings, MT 59102
Branch Office216 8th Ave ERoundup, MT 59072-2347
Branch Office2955 Grand AveBillings, MT 59102
Branch Office1902 Cougar AveCody, WY 82414