Valley FCU of Montana
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 2.00% | Reward Checking | Rewards Checking 1.76% - National Average |
| 0.50% | Reward Savings | Rewards Savings 0.77% - National Average |
| 1.51% | 5-year CD | 60 Months CD 1.85% - Synchrony Bank 60 Month CD |
Valley FCU of Montana is headquartered in Billings and is the 5th largest credit union in the state of Montana. It is also the 936th largest credit union in the nation. It was established in 1949 and as of June of 2016, it had grown to 79 employees and 26,084 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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Good CU in Montana
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!
Data as of Q2 2016
Learn more about bank healthHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 24214 |
| Year Chartered | 1949 |
| Employees | 79 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.94% |
| Return on Equity - YTD | 8.31% |
| Annual Interest Income | $4.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $219.4MM$214.1MM |
| Loans | Q2 2016vs Q2 2015 | $165.8MM$157.4MM |
| Deposits | Q2 2016vs Q2 2015 | $192.8MM$187.4MM |
| Equity Capital | Q2 2016vs Q2 2015 | $24.8MM$22.8MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $1.3MM$947.00K |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $928.00K$1.3MM |
| Real Estate Owned | Q2 2016vs Q2 2015 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not Valley FCU of Montana; we are a rate comparison website and cannot provide official rates or promotions.
* 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.50%* | - | $20k | Rewards 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 2.00%* | - | $10k | Rewards Checking | ||
| OTHER TIERS: 0.05% → $10k+ | |||||
| 1.00% | - | $1k | Student Checking | ||
| 0.75%* | $2,500* | $10k | Premier 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* | $10k | Premier High Rate Checking (no direct deposit) | ||
| OTHER TIERS: 0.10% → $10k+ | |||||
Valley FCU of Montana CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.51% | $500 | - | 60 Months CD | |
| 1.26% | $500 | - | 48 Months CD | |
| 1.00% | $500 | - | 36 Months CD | |
| 0.80% | $500 | - | 30 Months CD | |
| 0.75% | $500 | - | 24 Months CD | |
| 0.65% | $500 | - | 24 Months Step-Up CD | |
| 0.45% | $500 | - | 21 Months CD | |
| 0.40% | $500 | - | 18 Months CD | |
| 0.35% | $500 | - | 15 Months CD | |
| 0.30% | $500 | - | 12 Months CD | |
| 0.30% | $100 | - | 12 Months Youth CD | |
| 0.25% | $1k | - | 9 Months CD | |
| 0.15% | $1k | - | 6 Months CD |
Valley FCU of Montana IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.51% | $500 | - | 60 Months IRA Certificate | |
| 1.26% | $500 | - | 48 Months IRA Certificate | |
| 1.00% | $500 | - | 36 Months IRA Certificate | |
| 0.80% | $500 | - | 30 Months IRA Certificate | |
| 0.75% | $500 | - | 24 Months IRA Certificate | |
| 0.65% | $500 | - | 24 Months Step-Up IRA Certificate | |
| 0.45% | $500 | - | 21 Months IRA Certificate | |
| 0.40% | $500 | - | 18 Months IRA Certificate | |
| 0.35% | $500 | - | 15 Months IRA Certificate | |
| 0.30% | $500 | - | 12 Months IRA Certificate | |
| 0.25% | $1k | - | 9 Months IRA Certificate | |
| 0.15% | $1k | - | 6 Months IRA Certificate |
| Valley FCU of Montana Locations | ||
|---|---|---|
| Branch Office | 400 W Pike Ave | Columbus, MT 59019-7190 |
| Branch Office | 207 N 28th St | Billings, MT 59101 |
| Branch Office | 1445 Main St | Billings, MT 59105 |
| Branch Office | 3025 King Ave W | Billings, MT 59102 |
| Branch Office | 1541 Custer Ave | Billings, MT 59102 |
| Branch Office | 216 8th Ave E | Roundup, MT 59072-2347 |
| Branch Office | 2955 Grand Ave | Billings, MT 59102 |
| Branch Office | 1902 Cougar Ave | Cody, WY 82414 |