1st Liberty Credit Union Cut Bank MT | Best Auto Loans & Personal Banking

Introduction

Welcome to 1st Liberty, your trusted financial partner in the heart of Cut Bank, MT. Established in 1955, our credit union has grown into a cornerstone of the community, proudly serving over 15,000 members with a commitment to personalized banking solutions. Located at 310 W Main St, we invite you to experience a range of services tailored just for you from checking and savings accounts to auto loans and mortgage refinancing. At 1st Liberty, we understand that financial choices can be daunting. That's why our dedicated team of 59 employees is here to guide you through every step, ensuring that your banking experience is both seamless and rewarding. With total assets exceeding $206 million and deposits amounting to $20,902,388, we are well-equipped to meet your needs today and into the future. Whether you're interested in obtaining one of our competitive loans over 6,870 have already been approved or you need assistance managing your savings, we prioritize your success. Our CEO, Steven Grooms, along with Board President Ken Sylva, lead our team with an unwavering focus on community engagement and member satisfaction. While members can visit us at our branch for all their banking needs, official correspondence should be sent to the same address: 310 West Main, Cut Bank, MT 59427. Feel free to reach out at 406-873-2213 or explore more about us at 1st Liberty's website. Join us today and discover how we can help you achieve your financial goals!

Branch History & Mission

Join Us!

We invite you to become part of the 1st Liberty family. Experience firsthand how we can help you meet your financial needs while supporting the community you love. With innovative services designed just for you and a friendly team ready to assist, there's no better time than now to join us. Visit our website at 1stliberty.org or call us at 406-873-2213 to learn more about membership options. Together, let's build a brighter financial future!

Our Journey

The story of 1st Liberty began with a simple mission: to provide accessible financial services tailored to the unique needs of our community. Over the years, we have celebrated many milestones that reflect our dedication to service and innovation. From expanding our range of products like auto loans, mortgages, and business banking to embracing digital tools like online banking and mobile applications, we've continually adapted to serve you better. Today, with total assets amounting to $206,328,255, we stand strong as a pillar of support for individuals and families alike.

Our Mission

At 1st Liberty, our mission goes beyond just offering financial services. We strive to empower our members by providing them with the resources they need to achieve their goals. Whether it's helping you purchase your first car or guiding you through home financing options, we are here every step of the way. We believe in giving back to the community through partnerships and outreach initiatives that enrich lives and foster growth. Our operating hours reflect our commitment to accessibility: Monday through Thursday from 9 a.m. to 5 p.m., and on Friday until 5:30 p.m. We also offer convenient drive-thru banking for quick transactions and an ATM for your cash needs. While members can visit us at 310 W Main St, official correspondence should be sent to 310 West Main, Cut Bank, MT 59427 if needed.

Branch Location & Accessibility

Operating Hours

Our doors are open Monday through Thursday from 9 a.m. to 5 p.m., and on Fridays until 5:30 p.m. This schedule gives you plenty of time during the week to come in and discuss your financial goals or simply ask questions about our offerings.

Services Offered

At 1st Liberty, we provide a wide range of services tailored to fit your banking needs. From personal checking and savings accounts to auto loans and mortgage refinancing, we have solutions designed for both individuals and businesses. You can also enjoy the convenience of our ATM services for quick withdrawals and balance checks. For those who prefer drive-thru banking, we offer basic transactions such as deposits and withdrawals without leaving your vehicle. Plus, if you're ever in need of assistance or more information about our services, don't hesitate to reach out at (406) 873-2213. We invite you to stop by 1st Liberty in Cut Bank today! Whether you're looking for straightforward banking options or need guidance on loans and financing, our friendly staff is here to help you every step of the way.

Member Eligibility

At 1st Liberty, we believe that becoming a member is like joining a family where everyone supports each other. If you're wondering whether you qualify, let me share some good news! Membership is open to anyone who lives, works, worships, or attends school in our local community. This means that if you have ties to the area around 310 W Main St Cut Bank Mt 59427, you're likely eligible. We want you to enjoy all the benefits we offer, from competitive loan rates to personalized service tailored just for you. To make sure you have the most accurate and updated information regarding eligibility criteria, feel free to visit our detailed guide at http://www.1stliberty.org/about/eligibility-guidelines . Ready to take the next step? Opening an account with us is straightforward and welcoming. You can start the process online by visiting https://digitalbanking.1stliberty.org/app/access/login or give us a call at (406) 873-2213 if you have any questions along the way. Joining 1st Liberty isn't just about banking; it's about being part of a community that cares. We can't wait to welcome you!

Business Banking & Commercial Services

Merchant Services

In today's fast-paced world, effective payment solutions are crucial for any business. Our merchant services allow you to process payments easily and securely, giving you more time to focus on what you do best running your business. From in-store transactions to online sales, we provide tools that fit seamlessly into your operations. Located at 310 W Main St, Cut Bank, MT 59427, our team is here to guide you through the process and ensure you have the resources needed to succeed. Feel free to reach out at 406-873-2213 for personalized assistance. Let's work together to build a brighter future for your business!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $1 in non-member commercial loans, providing flexible financing solutions. Imagine having the financial backing to invest in new equipment or expand your service offerings. Our competitive loan options can help turn these ideas into reality.

Comprehensive List Of Services

Business Banking Options

On the business side of things, 1st Liberty offers robust business banking services, including merchant services and business loans. If you're an entrepreneur looking for funding or a reliable payment processing system, we have solutions that cater specifically to small businesses.

Convenient Access and Additional Services

We recognize that convenience is key in today's fast-paced world. That's why we provide essential ATM and cash withdrawal services for easy access to your funds. For quick transactions, our basic drive-thru banking allows for deposits, withdrawals, and other simple transactions without leaving your car. Our commitment extends beyond traditional banking hours; with digital tools like online banking and person-to-person payment options, managing your finances has never been easier.

Get Started Today!

At 1st Liberty, we pride ourselves on being more than just a financial institution; we are part of your community in Cut Bank, MT. If you're interested in learning more about how we can assist you with any of our services be it personal or business don't hesitate to reach out! Call us at 406-873-2213 or visit our website at 1st Liberty for more information. Let us help you take control of your financial future!

Personal Banking Solutions

Our offerings begin with personal banking, where you can open checking and savings accounts tailored to fit your lifestyle. Imagine having the freedom to manage your money with ease, thanks to our user-friendly online and mobile banking features. You can check balances, transfer funds, and pay bills anytime from anywhere. If you're considering purchasing a vehicle or need financing options, our auto loans and vehicle financing can make those dreams a reality. We provide competitive rates and flexible terms so that you can get behind the wheel without breaking the bank. Need assistance with homeownership? Our mortgage loans and refinancing options are designed to help you navigate the complex process of buying or refinancing a home.

Support for Your Financial Goals

In addition, our personal loans and debt consolidation services aim to simplify your financial obligations. We know life can be unpredictable; whether it's unexpected medical bills or home repairs, we're here to assist you in managing those expenses effectively. For those who love rewards, our credit cards with rewards allow you to earn while you spend. It's an excellent way to maximize your purchases while enjoying benefits tailored just for you.

Digital & Online Banking

Key Services

Our online banking platform allows you to check balances, transfer funds, and pay bills with just a few clicks. No more waiting in line or rushing to the bank before closing time! Whether you're at home or on the go, you'll have real-time access to your financial information. For those who prefer to manage their accounts via mobile devices, our mobile application makes it simple to stay connected. You can download our app and enjoy all the features of online banking right from your phone. Plus, with person-to-person transfers, sending money to friends and family has never been easier.

Security and Accessibility

Your security is our top priority. While we currently do not support electronic signature authorization, rest assured that your transactions are protected with state-of-the-art security measures. You can feel confident knowing your data is safe while using our services. Additionally, e-statements are available for those who want to reduce paper clutter and manage their documents digitally. It's just another way we strive to provide convenience while being eco-friendly. With all these features, 1st Liberty makes it easy for you to take control of your finances without any hassle. Join us today at https://www.1stliberty.org/ and experience the benefits of modern banking right at your fingertips!

Financial Strength

At 1st Liberty, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We believe in transparency, which is why we want to share our financial strength with you. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. With a net worth of $29,411,292, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,425 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $11,353,532 in share certificates and $11,337,242 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. Our commitment to growth is reflected in our $2,000 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. With $658 in used auto loans and $85,263,180 in total loans and leases, our lending capacity supports members' financial goals across various sectors. Although our net income stands at $0, this reflects our operational efficiency and commitment to providing value to our members. We also take pride in having 53 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $383,437. Total Share and Deposit Accounts: 29,824, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, 1st Liberty is your trusted partner. Visit us at 310 W Main St Cut Bank Mt 59427 or call (406) 873-2213 to learn more about how we can help you achieve your financial goals.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $15,004,543 in used vehicle loans and $46,087,391 in new vehicle loans already helping members get on the road. We make it easy for you to drive away in the vehicle you want.

Credit Lines

If you're looking for extra flexibility in managing your finances, consider our credit lines totaling $22,354,815. These lines can provide peace of mind during those unexpected moments when funds are needed quickly. We also provide refinancing options and eligibility guidelines to ensure you find the best loan product tailored to your needs. For more details on how to qualify or start your application process today, visit our website at 1st Liberty or check out our eligibility guidelines. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We invite you to join our community of satisfied members who have trusted us with their lending needs!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,353,956, make buying or refinancing simple. We are here to guide you through each step of the process so you can feel confident in your decision.

Unsecured Credit Card Loans

Managing everyday expenses is crucial. We also offer flexible terms on unsecured credit card loans, with a total of $1,569,939 in loans helping members manage their finances effectively. This option allows you to make purchases while building your credit score.

Loan Aggregator

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1St Liberty