Business Details
50+ Years
experience
Your Trusted Local Credit Union in Hamilton, MT
Ravalli County Federal Credit Union has served the financial needs of Ravalli County residents since 1957, operating as a member-owned institution committed to community enrichment. Our cooperative model prioritizes member benefits through competitive rates, low fees, and personalized service. With two full-service branches in Hamilton and Florence, Montana, we offer comprehensive banking solutions including loans, savings accounts, and digital banking tools. Our team of experienced professionals maintains a strong focus on local decision-making and community reinvestment. Federally insured by NCUA, we combine institutional security with hometown service values. Through volunteer initiatives and partnerships with local organizations like SAFE CU4Kids and Bitter Root Humane Association, we actively support community development.Our 24/7 digital banking platform and extensive ATM network provide modern convenience while maintaining personal relationships with members. With over 65 years of local expertise, we specialize in creating tailored financial solutions that help members achieve long-term stability. Our commitment to financial education and community empowerment distinguishes us as a trusted partner in economic growth. We maintain transparent operations with clear communication channels for member feedback and service improvement.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Loans
Credit Cards
Mobile Banking
ATM Network
Direct Deposit
Bill Pay
Remote Deposit
Details
- Year established: 1957
Highlights and features
- Community-focused financial institution since 1957
- Member-owned cooperative with profits returned to members
- Local decision-making and personalized service approach
- Extensive community involvement and nonprofit partnerships
- Competitive rates with no-charge checking account options
Associations and certifications
- National Credit Union Administration (NCUA)
What people say
A+ customer service
Friendly staff
Quick and convenient
No charge checking
Personal relationships
Services
Checking Accounts
Our no-charge checking accounts provide members with fee-free financial management solutions. These accounts offer unlimited transactions, mobile banking access, and integration with our extensive ATM network. Designed for everyday financial needs, our checking services emphasize accessibility and cost-effectiveness while maintaining the security of federal insurance.
Auto Loans
We offer competitive auto loan programs with rates as low as 9% APR for new vehicles. Our financing options cover cars, trucks, and recreational vehicles with flexible terms to match various budget requirements. Local underwriting ensures personalized service and quick approval decisions for qualified applicants.
Mobile Banking
Our mobile app enables 24/7 account management with features like bill payment, fund transfers, and remote check deposit. The platform maintains bank-grade security while providing convenient access to financial tools. Users can also locate ATMs and monitor account activity in real-time.
Community Partnerships
Through donations, volunteering, and targeted promotions, we actively support local organizations including schools and nonprofits. Our initiatives focus on educational programs, animal welfare, and performing arts. Members participate in community development through transaction-based fundraising programs.
ATM Network
As part of the CO-OP Network, we provide surcharge-free access to over 30,000 ATMs nationwide. This includes 7,500+ deposit-taking locations and international access in 10 countries. Our members benefit from extended service hours and convenient cash management options.
Questions
How can I become a member of Ravalli County Federal Credit Union?
Membership is open to anyone living, working, worshiping, or recreating in Ravalli County, Montana, along with their family members. A $5 deposit starts your membership.
What loan products do you offer?
We provide auto loans, mortgage loans, HELOCs, and RV financing with competitive rates starting at 9% APR for qualified applicants.
Do you have mobile banking capabilities?
Yes, our mobile app offers bill payment, fund transfers, remote check deposit, and real-time account monitoring with 24/7 access.
How does the credit union support the local community?
We partner with local organizations like Bitter Root Humane Association and Ravalli County Schools through donations, volunteering, and targeted fundraising programs.
What digital banking services are available?
Our digital services include online bill pay, mobile banking, remote deposit capture, and access to 30,000+ surcharge-free ATMs nationwide.
Are my deposits insured at Ravalli County Federal Credit Union?
Yes, all deposits are federally insured up to $250,000 by the National Credit Union Administration (NCUA).
