Billings Credit Union

Billings, Montana
Last verified: July 30, 2026
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Verified rate book

Current Billings Credit Union rates

34 published offers verified as of July 30, 2026.

How we verify rates

Auto & vehicle rates

8 offers
Billings Credit Union auto & vehicle rates as of July 30, 2026
ProductPublishedRateTerm / conditionStatus
Autos & Motorcyclesmotorcycle5.240% APR5.240%—Standard
Autos & Motorcycles - New or Usedmotorcycle_any5.240% APR5.240%anyStandard
Boats & Pickup Campersboat6.240% APR6.240%—Standard
Snowmobiles & ATVspowersports6.240% APR6.240%—Standard
Snowmobiles & ATVs - New or Usedpowersports_any6.240% APR6.240%anyStandard
Motor Homes, Travel Trailers and 5th Wheelsrv6.240% APR6.240%—Standard
Motor Homes, Travel Trailers and 5th Wheels - New or Usedrv_any6.240% APR6.240%anyStandard
Boats & Pickup Campers - New or Usedboat_any6.240% APR6.240%anyStandard

HELOC rates

1 offer
Billings Credit Union heloc rates as of July 30, 2026
ProductPublishedRateTerm / conditionStatus
HELOC (Variable)heloc_variable5.500% APR5.500%—Standard

Personal loan rates

5 offers
Billings Credit Union personal loan rates as of July 30, 2026
ProductPublishedRateTerm / conditionStatus
Share-Secured Loanpersonal_secured4.000% APR4.000%—Standard
96-Month Unsecured Personal Loanpersonal_unsecured_96mo7.240% APR7.240%96 moStandard
Personal Loanpersonal8.240% APR8.240%—Standard
Overdraft Line of Creditpersonal12.500% APR12.500%—Standard
Consumer Loanpersonal18.000% APR18.000%—Standard

Credit card rates

1 offer
Billings Credit Union credit card rates as of July 30, 2026
ProductPublishedRateTerm / conditionStatus
Credit Cardcredit_card13.000% APR13.000%—Standard

Savings & CD rates

17 offers
Billings Credit Union savings & cd rates as of July 30, 2026
ProductPublishedRateTerm / conditionStatus
Savingsshare_savings0.05% APY0.05%—Standard
Secure Checkingsavings0.10% APY0.10%—Standard
Priority Money Market Accountmoney_market0.50% APY0.50%—Standard
Premium Money Market Accountmoney_market0.85% APY0.85%—Standard
FI NAME - PROD, TERMsavings1.00% APY1.00%—Standard
All IRA Sharesira1.50% APY1.50%—Standard
Active Saver Suitesavings2.50% APY2.50%—Standard
Share Certificates – Cubby or Student Membersshare_certificate_6mo2.50% APY2.50%6 moStandard
Share Certificates – Cubby or Student Membersshare_certificate_12mo2.75% APY2.75%12 moStandard
Share Certificates – Regularshare_certificate_60mo3.25% APY3.25%60 moStandard
Share Certificates – All Individual Retirement Accounts – (IRAs)ira_cd_60mo3.25% APY3.25%60 moStandard
Share Certificates – All Individual Retirement Accounts – (IRAs)ira_cd_18mo3.30% APY3.30%18 moStandard
Share Certificates – Regularshare_certificate_18mo3.30% APY3.30%18 moStandard
Share Certificates – All Individual Retirement Accounts – (IRAs)ira_cd_6mo3.40% APY3.40%6 moStandard
Share Certificates – Regularshare_certificate_6mo3.40% APY3.40%6 moStandard
Share Certificates – Regularshare_certificate_12mo3.45% APY3.45%12 moStandard
Share Certificates – All Individual Retirement Accounts – (IRAs)ira_cd_12mo3.45% APY3.45%12 moStandard

Other rates

2 offers
Billings Credit Union other rates as of July 30, 2026
ProductPublishedRateTerm / conditionStatus
My Rate MARKET NAME Average - PROD, TERMother2.000% %2.000%—Standard
QCashother28.000% %28.000%—Standard

Vehicle loans available from 5.24% APR. HELOC rates from 5.5% APR. Personal loan rates from 4% APR. Credit card rates from 13% APR. Savings and certificate yields up to 3.45% APY.

Source: RateAPI.dev, verified from Billings Credit Union's official website

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About Billings Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
13K
Assets
$218M
Founded
1935
Locations reported
6
NCUA charter
887
Charter type
Federal credit union

Services and member support

  • Online membership application
  • Online loan application
  • Open an account online
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Bilingual services
  • Student scholarships
  • Credit-builder products
  • Payday Alternative Loans I
  • Payday Alternative Loans II

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

AltanaAltana FCU Downtown · Billings · MT · 59101-2243Branch in the same ZIPIntrepidBillings - 27th Street · Billings · MT · 59101-0121Branch in the same ZIPValley FinancialDowntown Administration · Billings · MT · 59101Branch in the same ZIPBlack HillsBillings Member Service Center · Billings · MT · 59102-3057About 16.4 miles awayRimrockRimrock Credit Union · Billings · MT · 59102-5845About 16.4 miles awaySegSEG Federal Credit Union · Laurel · MT · 59044-3307About 19.1 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Billings Credit Union

Membership eligibility from Billings Credit Union's own published criteria. How we verify this.

Membership criteria are published on Billings Credit Union's website. Check the membership page below to confirm whether you qualify.

  • LocationCascade, Yellowstone — MT

Verified from Billings Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Billings Credit Union?

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Frequently Asked Questions

What rates does Billings Credit Union offer?

Billings Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified July 30, 2026 directly from the credit union's official website.

How often are Billings Credit Union rates updated?

RateAPI verifies Billings Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified July 30, 2026.

Where does RateAPI get Billings Credit Union's rate data?

Rate data is collected directly from Billings Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Billings Credit Union's rv, boat, motorcycle & powersports loan rates?

As of July 30, 2026, Billings Credit Union offers vehicle loans from 5.24% APR.

What is Billings Credit Union's HELOC rate?

As of July 30, 2026, Billings Credit Union offers home equity lines of credit from 5.5% APR.

What is Billings Credit Union's personal loan rate?

As of July 30, 2026, Billings Credit Union offers personal loans from 4% APR.

What is Billings Credit Union's best CD rate?

As of July 30, 2026, Billings Credit Union offers savings and certificate (CD) yields up to 3.45% APY.

Related Rate Data

Compare Billings Credit Union's rates against national credit-union benchmarks.

More Montana credit unionsAuto loan rate benchmarkHELOC ratesPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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