Business Details
50+ Years
experience
Emergency
services
Your Trusted Community Credit Union in Darby, Montana
Established in 1968, Bitterroot Community Federal Credit Union has served as Darby's first and only member-owned financial institution. Guided by the principle of 'People Helping People,' we prioritize personalized service and community support, mirroring the collaborative spirit of Ravalli County. Our team combines decades of local expertise with a commitment to financial education and accessibility, offering tailored solutions for individuals and families. As a federally insured credit union, we adhere to rigorous standards while maintaining the flexibility to address unique member needs. Our services span savings, loans, and digital banking tools, all designed to empower financial well-being. With two branches in Darby and Hamilton, we serve both long-time residents and newcomers through a community charter that emphasizes inclusivity.Our leadership team brings extensive experience in cooperative finance, ensuring responsible growth aligned with member interests. Transparency remains central to our operations, from fee schedules to eligibility criteria. Recognizing the importance of trust in financial relationships, we maintain open communication channels and prioritize ethical practices. Whether assisting with first-time home loans or retirement planning, our approach reflects a deep understanding of local economic dynamics. This enduring focus on community-driven banking has allowed us to grow alongside Ravalli County while preserving the personal touch that defines our institution.
Services
Savings Accounts
Vehicle Loans
Online Banking
ATM Services
Notary Service
Money Market Accounts
Personal Loans
Credit Cards
Direct Deposit
Bill Pay
Details
- Year established: 1968
Highlights and features
- We operate under a community charter serving Ravalli County residents since 1968
- Our member-owned structure prioritizes customer needs over profit motives
- Local decision-making enables personalized financial solutions and faster approvals
- Federally insured savings protect member deposits up to $250,000
- Dual branch locations in Darby and Hamilton provide geographic accessibility
Associations and certifications
- NCUA
Services
Savings Share Accounts
Our Savings Share Accounts provide secure, accessible options for building financial reserves. Members earn competitive dividends while maintaining liquidity for unexpected expenses. These accounts serve as the foundation for all credit union services, requiring only a $25 minimum opening deposit. Account holders receive free access to online banking tools and monthly statements for effective money management.
Vehicle Loans
We offer competitive vehicle loans for new and used car purchases with flexible terms up to 72 months. Our lending specialists work directly with members to determine affordable payment plans based on individual financial circumstances. As a community credit union, we can often approve loans with lower down payments and better rates than traditional banks.
Online Banking
Our 24/7 online banking platform enables members to manage accounts, transfer funds, and pay bills from any device. Features include real-time transaction tracking, eStatements, and person-to-person payments through Popmoney. The system integrates with mobile apps for convenient access to account information and mobile check deposit capabilities.
ATM Services
Members access surcharge-free cash withdrawals at our Hamilton branch ATM and through the CO-OP Shared Branch network nationwide. The ATM accepts deposits with our advanced cash recycling technology and provides balance inquiries in real time. Emergency card replacement services are available during business hours at both branch locations.
Notary Service
We provide free notary services to members during regular business hours at both Darby and Hamilton branches. Our certified notaries assist with loan documents, power of attorney forms, and other legal paperwork requiring official verification. Appointments are recommended for complex document packages to ensure adequate processing time.
People
Kathy Nash
President/CEO
Kathy Nash leads Bitterroot Community Federal Credit Union with over 25 years of credit union experience. She oversees strategic operations and community engagement initiatives while maintaining active involvement in local economic development projects. Her leadership emphasizes member service excellence and financial education programs for Ravalli County residents.
Julie Antonucci
Branch Manager/Hamilton
Julie Antonucci manages the Hamilton branch operations and customer service team. With expertise in consumer lending and account management, she ensures personalized service for both new and long-time members. Julie coordinates financial literacy workshops and represents the credit union at community events throughout Ravalli County.
Samantha Hamilton
Loan Officer/Hamilton
Samantha Hamilton specializes in mortgage and consumer loan products at the Hamilton branch. She assists members with home financing, vehicle loans, and credit-building strategies while maintaining a focus on responsible lending practices. Her local market knowledge helps clients navigate real estate and personal finance opportunities in Ravalli County.
Questions
Who is eligible for membership?
Anyone living, working, or worshipping in Ravalli County, Montana, qualifies for membership. Immediate family members of existing members also receive automatic eligibility.
How do I access online banking?
Visit our website and log in using your account credentials. First-time users should click 'Enroll Now' to create secure access to account information and digital services.
What loan types do you offer?
We provide vehicle loans, personal loans, share secured loans, recreational vehicle financing, and credit cards. Our lending team customizes terms to match individual financial situations and goals.
What happens if my debit card is lost?
Call 1-833-933-1681 immediately to report lost or stolen cards. During business hours, contact the Darby branch directly at (406) 821-3171 for replacement assistance.
Are my deposits insured?
Yes, all savings accounts receive federal insurance up to $250,000 through the NCUA, backed by the full faith of the U.S. government.
What are your branch hours?
Both Darby and Hamilton branches operate Monday-Friday 9:00 AM to 5:00 PM. Drive-up windows close at 5:00 PM Monday-Thursday and 5:30 PM on Fridays.
Reviews (2)
Cortney Bibby
Jun 21, 2020
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Do yourself a favor and go to Farmers State Bank. Bitterroot Federal Credit Union did not meet my expectations, which were already low because this is a small town bank. This bank released my account balance to an unauthorized entity. The CEO said she would look into why my account balance was released to an unauthorized party but she never followed through. She sent an email to investigate why my account balance was released. Something that severe warranted a phone call, not an email. The teller did not order my replacement debit card when I requested it. While talking to the CEO about the troubles
James Davis
Jan 07, 2020
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I've been a member for many years. Lots of loans. They have been great to deal with. I would recommend them to anyone.
