Featured Savings Rates
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Valley FCU of Montana

Popular Accounts at this Credit Union

2.30%Reward CheckingRewards Checking
0.75%Reward SavingsRewards Savings
1.76%5-year CD60 Months CD

Overview / Commentary
1541 Custer Ave
Billings, MT 59102

Valley FCU of Montana is headquartered in Billings and is the 4th largest credit union in the state of Montana. It is also the 905th largest credit union in the nation. It was established in 1949 and as of September of 2017, it had grown to 84 employees and 27,848 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 (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 #24214
Year Chartered1949
Primary Regulator
Profit Margin
Return on Assets - YTD1.2%
Return on Equity - YTD10.2%
Annual Interest Income$7.2MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$241.3MM$224.4MM
LoansQ3 2017vs Q3 2016$189.7MM$170.0MM
DepositsQ3 2017vs Q3 2016$210.6MM$197.2MM
Equity CapitalQ3 2017vs Q3 2016$28.0MM$25.3MM
Loan Loss AllowanceQ3 2017vs Q3 2016$1.5MM$1.3MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.6MM$1.3MM
Real Estate OwnedQ3 2017vs Q3 2016$150.00K$0
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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

0.75%*-$20kRewards Savings
OTHER TIERS: 0.25% $20k+
0.50%$25-Christmas Club
0.10%$25-Business Savings
0.10%$25-IRA Variable Rate Share Accounts
0.05%$25-Regular Savings
0.05%$25-Stash Savings

Valley FCU of Montana Money Market Rates

0.40%*$100k*-Money Market Savings
OTHER TIERS: 0.10% $1k - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k | 0.25% $50k - $75k | 0.30% $75k - $100k

Valley FCU of Montana Checking Account Rates

2.30%*-$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+
0.35%*$25k*-Business Interest Checking
OTHER TIERS: 0.10% Up to $5k | 0.25% $5k - $25k
0.25%*$2,500*$10kPremier High Rate Checking (no direct deposit)
OTHER TIERS: 0.10% $10k+

Valley FCU of Montana CD Rates

1.76%$500-60 Months CD
1.51%$500-48 Months CD
1.26%$500-36 Months CD
1.00%$500-30 Months CD
0.85%$500-24 Months CD
0.75%$500-21 Months CD
0.70%$500-18 Months CD
0.65%$500-24 Months Step-Up CD
0.60%$500-15 Months CD
0.50%$500-12 Months CD
0.50%$100-12 Months Youth CD
0.40%$1k-9 Months CD
0.35%$1k-6 Months CD

Valley FCU of Montana IRA Rates

1.76%$500-60 Months IRA Certificate
1.51%$500-48 Months IRA Certificate
1.26%$500-36 Months IRA Certificate
1.00%$500-30 Months IRA Certificate
0.85%$500-24 Months IRA Certificate
0.77%$500-21 Months IRA Certificate
0.70%$500-18 Months IRA Certificate
0.65%$500-24 Months Step-Up IRA Certificate
0.60%$500-15 Months IRA Certificate
0.50%$500-12 Months IRA Certificate
0.40%$1k-9 Months IRA Certificate
0.35%$1k-6 Months 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 Office1902 Cougar AveCody, WY 82414