Overview / Commentary
1541 Custer Ave
Billings, MT 59102

Valley FCU of Montana is headquartered in Billings and is the 3rd largest credit union in the state of Montana. It is also the 865th largest credit union in the nation. It was established in 1949 and as of December of 2018, it had grown to 89 employees and 29,618 members at 9 locations. Valley FCU of Montana's money market rates are 3X the national average, and it boasts 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.
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Reviews (3)

Valley FCU

I have been a customer of Valley FCU for 3 1/2 years. I was unhappy with the fees in the bank I was using. I friend told me about them and I visited. The customer service in the bank is outstanding. The customer service rep handled setting up my checking and savings accounts. To this day, she still handles my needs. I have never had a bank where you have one person for all your needs with a low level bank. I am sure the bank has fees, and remember getting a list of them. But in my banking experience, I have never accrued a fee. It is free checking. The savings pay a low interest rate. But I have never been charged a fee for anything on my account. I highly recommend Valley FCU as a credit union.

Valley Federal Credit union - a small bank with big services

I began banking with Valley Federal Credit Union about three years ago. I switched to the credit union on the advice of a friend. I am so happy I did. Though there was the usual teller window, I was acquainted with a personal bank employee who helped me with all my needs. She set me up with a Rewards Checking and Savings Account. This account pays interest on my deposits. It is nice to see a deposit every month. I particularly like the mobile site. I can access it across all of my mobile devices. The site is very easy to use, intuitive. I use the site everyday to monitor my accounts and make sure there are no unusual charges. I highly recommend this credit union for their personal service, choices and mobile apps.

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 Grade Components

NCUA #68689
Year Chartered1949
Primary Regulator
Profit Margin
Return on Assets - YTD1.01%
Return on Equity - YTD8.64%
Annual Interest Income$11.1MM
Assets and Liabilities
AssetsQ4 2018$268.3MM
LoansQ4 2018$215.3MM
DepositsQ4 2018$234.8MM
Equity CapitalQ4 2018$31.3MM
Loan Loss AllowanceQ4 2018$1.8MM
Unbacked Noncurrent LoansQ4 2018$1.2MM
Real Estate OwnedQ4 2018$0
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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

0.75%*-$20kRewards Savings
OTHER TIERS: 0.25% $20k+
0.75%$25-Christmas Club
0.25%$25-IRA Variable Rate Share Accounts
0.15%$25-Business Savings
0.05%$25-Regular Savings
0.05%$25-Stash Savings

Valley FCU of Montana Money Market Rates

1.11%*$100k*-Money Market Savings
OTHER TIERS: 0.20% $1k - $10k | 0.25% $10k - $25k | 0.40% $25k - $50k | 0.60% $50k - $75k | 0.85% $75k - $100k

Valley FCU of Montana Checking Account Rates

2.50%*-$10kRewards Checking
OTHER TIERS: 0.05% $10k+
1.00%$1k-Student Checking w/ E-Statements
0.75%*$2.5k*$10kPremier High Rate Checking (with direct deposit)
OTHER TIERS: 0.25% $10k+
0.50%*$25k*-Business Interest Checking
OTHER TIERS: 0.10% Up to $5k | 0.25% $5k - $25k
0.25%*$2.5k*$10kPremier High Rate Checking (no direct deposit)
OTHER TIERS: 0.10% $10k+

Valley FCU of Montana CD Rates

2.12%$500-60 Month CD
1.87%$500-48 Month CD
1.71%$500-36 Month CD
1.46%$500-30 Month CD
1.36%$500-24 Month CD
1.26%$500-21 Month CD
1.21%$500-18 Month CD
1.21%$500-24 Month Step-Up CD
1.00%$500-12 Month CD
1.00%$500-15 Month CD
1.00%$100-12 Month Youth CD
0.65%$1k-9 Month CD
0.50%$1k-6 Month CD

Valley FCU of Montana IRA Rates

2.12%$500-60 Month IRA Certificate
1.87%$500-48 Month IRA Certificate
1.71%$500-36 Month IRA Certificate
1.46%$500-30 Month IRA Certificate
1.36%$500-24 Month IRA Certificate
1.26%$500-21 Month IRA Certificate
1.21%$500-18 Month IRA Certificate
1.21%$500-24 Month Step-Up IRA Certificate
1.00%$500-12 Month IRA Certificate
1.00%$500-15 Month IRA Certificate
0.65%$1k-9 Month IRA Certificate
0.50%$1k-6 Month IRA Certificate

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 Office1707 Oak St Ste ABozeman, MT 59715-2125
Branch Office1902 Cougar AveCody, WY 82414

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