Whitefish Credit Union Association

Overview / Commentary
300 Baker Ave
Whitefish, MT 59937

Whitefish Credit Union Association is headquartered in Whitefish and is the largest credit union in the state of Montana. It is also the 230th largest credit union in the nation. It was established in 1934 and as of December of 2023, it had grown to 204 employees and 61,793 members at 7 locations. Whitefish Credit Union Association's savings rates are 4X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in Whitefish Credit Union is open to those who live in in the Montana counties of Broadwater, Flathead, Gallatin, Lake, Lewis and Clark, Lincoln, Missoula, Ravalli, or Sanders, or within 50 air miles of Whitefish, Montana. Immediate family of qualified applicants are also eligible for membership.
See current membership details

Reviews (1)

Almost perfect

Posted by: |

I use Whitefish Credit Union and simply love it. At first there was some confusion with transfers in and out of my savings account but it was straightened out quickly and efficiently. Every teller I've dealt with is exceptionally kind and polite. The only negative point to this institution is that while loving the local only vibe, being a smaller business than larger banks or credit unions, there is no mobile app. I can still access the site on my mobile browser but I would love to have an app to be able to check balances, transfer, etc. Otherwise, I commend WCU for staying local and being more interested in their customers/neighbors rather than making as much money as they can and frustrating people as larger institutions do.


Health Grade Components

NCUA #61949
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD0.03%
Return on Equity - YTD0.46%
Annual Interest Income$82.3MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$2.09B$2.16B
LoansQ4 2023vs Q4 2022$1.26B$1.23B
DepositsQ4 2023vs Q4 2022$1.71B$1.87B
Equity CapitalQ4 2023vs Q4 2022$151.4MM$130.6MM
Loan Loss AllowanceQ4 2023vs Q4 2022$1.6MM$1.3MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$545K$903K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Whitefish Credit Union Association Savings Account Rates

1.91%--Savings Account

Whitefish Credit Union Association Checking Account Rates

0.05%--Checking Account

Whitefish Credit Union Association CD Rates

5.00%$500-4 Month Certificate
4.75%$500-8 Month Certificate
4.50%$500-15 Month Certificate

Whitefish Credit Union Association Locations
Branch Office300 Baker AveWhitefish, MT 59937
Branch Office234 E Montana StKalispell, MT 59901
Branch Office405 9th St WColumbia Falls, MT 59912
Branch Office107 POND STThompson Falls, MT 59873
Branch Office110 3rd Ave EPolson, MT 59860
Branch Office105 DEWEY AVEEureka, MT 59917
Branch Office2000 Hwy 93 SKalispell, MT 59901

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