Montana Credit Union
Verified rate book
Current Montana Credit Union rates
39 published offers verified as of August 4, 2026.
Mortgage rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Type First Mortgageother | 4.740% APR | 4.740% | — | Standard |
Auto & vehicle rates
14 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Term Up to 60 months (OAC)auto_any_60mo | 3.990% APR | 3.990% | 60 mo | Standard |
| Term Up to 36 months (OAC)auto_any_36mo | 4.490% APR | 4.490% | 36 mo | Standard |
| Term 61 to 75 months (OAC)auto_any_75mo | 4.990% APR | 4.990% | 75 mo | Standard |
| Term Up to 75 months (OAC)auto_any_75mo | 5.490% APR | 5.490% | 75 mo | Standard |
| Term 76 to 84 months (OAC)auto_any_84mo | 5.990% APR | 5.990% | 84 mo | Standard |
| Term Up to 84 months (OAC)auto_any_84mo | 6.240% APR | 6.240% | 84 mo | Standard |
| Term 85 to 96 months (OAC)auto_any_96mo | 6.990% APR | 6.990% | 96 mo | Standard |
| Term Up to 60 months (2015 or older vehicles, OAC)auto_used_60mo | 7.990% APR | 7.990% | 60 mo · used | Standard |
| Type 2016 and newerauto_any_60mo | 9.490% APR | 9.490% | 60 mo | Standard |
| Type 2015 and olderauto_used_60mo | 10.490% APR | 10.490% | 60 mo · used | Standard |
| Type 2016 and newerauto_any_84mo | 10.490% APR | 10.490% | 84 mo | Standard |
| Type 2015 and olderauto_used_72mo | 11.490% APR | 11.490% | 72 mo · used | Standard |
| Type 2016 and newerauto_any_180mo | 11.990% APR | 11.990% | 180 mo | Standard |
| Type 2015 and olderauto_used_144mo | 12.990% APR | 12.990% | 144 mo · used | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Type Second Mortgageheloc_fixed | 5.990% APR | 5.990% | — | Standard |
Personal loan rates
5 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Personal Line of Creditploc_variable | 6.990% APR | 6.990% | — | Standard |
| Loan Type Line of Credit (Personal)ploc_variable | 9.500% APR | 9.500% | — | Standard |
| Loan Type Personal Loan (25-36 months)personal_unsecured_36mo | 10.990% APR | 10.990% | 36 mo | Standard |
| Loan Type Personal Loan (up to 24 months)personal_unsecured_24mo | 10.990% APR | 10.990% | 24 mo | Standard |
| Loan Type Personal Loan (37-48 months)personal_unsecured_48mo | 11.990% APR | 11.990% | 48 mo | Standard |
Savings & CD rates
18 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Balance Balances over $10,000+savings | 0.01% APY | 0.01% | — | Standard |
| Balance All balances if qualifications not metsavings | 0.01% APY | 0.01% | — | Standard |
| Balance $0 - $2,499.99savings | 0.70% APY | 0.70% | — | Standard |
| Balance $2,500 - $49,999.99savings | 0.80% APY | 0.80% | — | Standard |
| Balance $50,000 - $74,999.99savings | 0.90% APY | 0.90% | — | Standard |
| Account Name IRA Savingsira | 0.99% APY | 0.99% | — | Standard |
| Account Name Christmas Club Savingssavings | 0.99% APY | 0.99% | — | Specialty offer |
| Balance $75,000+savings | 0.99% APY | 0.99% | — | Standard |
| 48-Month Certificateshare_certificate_48mo | 2.50% APY | 2.47% | 48 mo | Standard |
| 36-Month Certificateshare_certificate_36mo | 2.75% APY | 2.72% | 36 mo | Standard |
| Balance Balances up to $10,000savings | 2.96% APY | 2.96% | — | Standard |
| 30-Month Certificateshare_certificate_30mo | 3.00% APY | 2.96% | 30 mo | Standard |
| 24-Month Certificateshare_certificate_24mo | 3.00% APY | 2.96% | 24 mo | Standard |
| 18-Month Certificateshare_certificate_18mo | 3.25% APY | 3.20% | 18 mo | Standard |
| 12-Month Certificateshare_certificate_12mo | 3.25% APY | 3.20% | 12 mo | Standard |
| 6-Month Certificateshare_certificate_6mo | 3.50% APY | 3.44% | 6 mo | Standard |
| 7-Month Certificateshare_certificate_7mo | 3.55% APY | 3.49% | 7 mo | Standard |
| Share Certificates (Term 10 month FYI Certificate*)share_certificate_10mo | 6.00% APY | 5.84% | 10 mo | Standard |
As of August 4, 2026, Montana Credit Union offers mortgage rates from 4.74% APR. Auto loans available from 3.99% APR for 60 months. HELOC rates from 5.99% APR. Personal loan rates from 6.99% APR. Savings and certificate yields up to 6.00% APY.
Source: RateAPI.dev, verified from Montana Credit Union's official website
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About Montana Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 26.2K
- Assets
- $358.9M
- Founded
- 1940
- Locations reported
- 4
- NCUA charter
- 4164
- 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
- Financial education
- Credit-builder products
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.
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 Montana Credit Union
Membership eligibility from Montana Credit Union's own published criteria. How we verify this.
Community charter: live/work in MT
- LocationMT
Verified from Montana Credit Union's membership page. Final membership determination is always made by the credit union.
Work at Montana Credit Union?
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Frequently Asked Questions
What rates does Montana Credit Union offer?
Montana Credit Union currently offers mortgage, Auto loan, HELOC, and personal loan rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are Montana Credit Union rates updated?
RateAPI verifies Montana Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get Montana Credit Union's rate data?
Rate data is collected directly from Montana Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is Montana Credit Union's mortgage rate?
As of August 4, 2026, Montana Credit Union offers mortgage rates from 4.74% APR.
What are Montana Credit Union's auto loan rates?
As of August 4, 2026, Montana Credit Union offers auto loans from 3.99% APR.
What is Montana Credit Union's HELOC rate?
As of August 4, 2026, Montana Credit Union offers home equity lines of credit from 5.99% APR.
What is Montana Credit Union's personal loan rate?
As of August 4, 2026, Montana Credit Union offers personal loans from 6.99% APR.
What is Montana Credit Union's best CD rate?
As of August 4, 2026, Montana Credit Union offers savings and certificate (CD) yields up to 6.00% APY.
Related Rate Data
Compare Montana Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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View MethodologyTrack Montana Credit Union rates
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Use it via API
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# Get rates for Montana Credit Union
curl "https://api.rateapi.dev/credit-unions/montana/montana" \
-H "Authorization: Bearer YOUR_API_KEY"