1st Liberty Credit Union Shelby MT | Affordable Auto Loans & ATM Services

Introduction

Welcome to 1st Liberty, your trusted financial partner located at 121 1St Ave Se, Shelby, MT 59474. Since our establishment in 1955, we have been dedicated to serving our community with integrity and care. With a strong membership base of over 15,000 members and total assets exceeding $206 million, we strive to provide exceptional financial services tailored to meet the needs of individuals and businesses alike. At 1st Liberty, we pride ourselves on our commitment to supporting our members through various offerings including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and credit cards with rewards. Our goal is not just about banking; it's about building relationships that foster trust and reliability. Led by our experienced CEO, Steven Grooms, and Board President, Ken Sylva, our team of 59 employees is here to ensure that you receive the best service possible. We understand the importance of accessibility, which is why we offer both online and mobile banking options alongside traditional services at our branch. For those who prefer in-person interaction, feel free to visit us during our lobby hours from 9:00 AM to 5:00 PM, Monday through Friday. While members can visit us at our Shelby branch for all their banking needs, official correspondence should be sent to our mailing address: PO Box 903, Shelby, MT 59474-0903. With a solid net worth of $29 million and over $20 million in total deposits, you can trust that your finances are in safe hands. Whether you're looking for a loan or wanting to open a new account, we're here to help you every step of the way. For more information or assistance, please call us at 406-434-2848 or explore our website at 1st Liberty. Join us today and discover how we can support your financial journey!

Branch History & Mission

Community Commitment

Our dedication extends beyond banking. We actively engage in community outreach efforts that aim to uplift those around us. By partnering with local organizations and participating in community events, we work together with residents to make Shelby an even better place to live. In addition to traditional banking services available at our drive-thru facility, we also offer online and mobile banking options for those who prefer digital solutions. This flexibility allows us to meet the diverse needs of our members while ensuring ADA compliance and accessibility.

Join Us

As we look toward the future, we invite you to be part of the 1st Liberty family. Experience firsthand how we can help you achieve your financial goals while supporting your community. Stop by during our operating hours from Monday to Friday between 9:00 AM and 5:00 PM or give us a call at 406-434-2848. Together, let's build a brighter financial future for you and the community! For more information about membership eligibility or to open an account online, visit us at 1st Liberty. Your journey toward financial empowerment starts here!

Our Mission

At the heart of 1st Liberty is our mission to provide exceptional financial services while fostering community growth and support. We strive to empower our members through accessible banking solutions such as checking and savings accounts, auto loans, mortgages, personal loans, and credit cards with rewards. Our goal is not just to serve as a bank but to be a partner in the financial journeys of our members. We understand that each member's needs are unique. That's why we focus on customer-centric initiatives and continuously seek innovative ways to improve our services. With total assets exceeding $206 million and an unwavering commitment to service excellence, we ensure that every member feels valued and supported.

Branch Location & Accessibility

Accessibility and Parking

At 1st Liberty, we believe in making banking accessible for everyone. Our branch is ADA compliant, featuring ramps and spacious pathways to ensure ease of movement for all our members. Plus, we offer ample parking so you can park close and get in and out quickly.

Connect with Us

We encourage you to stop by and see how we can help make your banking experience better. If you have any questions or need assistance before your visit, don't hesitate to call us at 406-434-2848. At 1st Liberty, we're more than just a credit union; we're part of the community!

Operating Hours

Our lobby hours are designed to fit your schedule. We're open Monday through Friday from 9:00 AM to 5:00 PM, ready to assist you with all your banking needs. Whether you need help setting up a checking account or want information on our loan options, our dedicated team is here for you.

Services Available

While visiting our branch, you'll discover a variety of services tailored to meet your financial needs. We offer personal banking solutions like checking and savings accounts, as well as loans for vehicles and mortgages. If you're looking for convenient banking options, take advantage of our drive-thru service where you can make deposits and withdrawals without leaving your car. Although we don't have ATM services at this location, our staff is always ready to assist you with cash withdrawal requests during business hours.

Member Eligibility

At 1st Liberty, we believe that everyone deserves a supportive community to help them reach their financial goals. Becoming a member is simple and welcoming! If you live, work, or attend school in the area, you're likely eligible to join us. We're here for individuals from all walks of life, so whether you're just starting out or looking to expand your financial future, we have something for you. For more detailed eligibility information, feel free to check out our guidelines at http://www.1stliberty.org/about/eligibility-guidelines. Once you know you qualify, opening an account with us is a breeze! You can start the process online by visiting https://digitalbanking.1stliberty.org/app/access/login or give us a call at (406) 434-2848 if you have any questions. Our friendly team at 121 1St Ave Se Shelby Mt 59474 is ready to assist you every step of the way. Join us today and discover the many benefits of being part of the 1st Liberty family!

Business Banking & Commercial Services

Commercial Loans

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.

Merchant Services

Additionally, we offer merchant services that simplify your payment processes. Picture this: your customers can easily pay with credit or debit cards while you enjoy quick access to those funds. This means smoother transactions and happier customers essential for any thriving business. We're here to help you take the next step forward. Visit us at 121 1St Ave Se Shelby Mt 59474 or call us at (406) 434-2848 for more information on how we can support your business journey!

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, we offer specialized services through our business banking solutions. From merchant services that simplify payment processing to business loans tailored for growth opportunities, we're here to support your success.

Commitment to Member Satisfaction

We pride ourselves on being a community-focused credit union that values each member's unique financial journey. With friendly staff ready to assist you at every turn and robust digital tools at your fingertips, managing your finances has never been easier. If you're ready to explore how we can help you achieve your financial goals or if you have any questions about our services, don't hesitate to call us at 406-434-2848 or visit us online at 1st Liberty. Join us today and experience the personalized service that sets us apart!

Credit Cards and Rewards

Want to earn while you spend? Our credit cards with rewards allow you to collect points on purchases that can be redeemed for various perks. This service is perfect for those who want to make the most out of their everyday spending.

Easy Access with Drive-Thru Banking

At 1st Liberty, convenience is key. Our basic drive-thru banking allows members to conduct deposits, withdrawals, and simple transactions without leaving their vehicles. This service ensures that even when life gets busy, accessing your funds remains hassle-free.

Personal Banking Solutions

We understand that managing your money is crucial for your peace of mind. That's why we offer personal banking options that include checking and savings accounts tailored to fit different lifestyles. Imagine having the flexibility to access your funds whenever you need them, thanks to our convenient online and mobile banking features. You can check balances, transfer money, and pay bills all from the comfort of your home or on the go. When it comes to financing, our auto loans and vehicle financing make it easy for you to get behind the wheel of your dream car. We also provide mortgage loans and refinancing options that help you secure a home without the stress. If you're facing unexpected expenses or want to consolidate debt, our personal loans are designed with your needs in mind.

Digital & Online Banking

At 1st Liberty, we understand that convenience and security are essential in today's fast-paced world. That's why we offer a range of digital and online banking services designed to make managing your finances easier than ever. With our 24/7 online banking services, you can access your accounts anytime, anywhere. Simply visit us at https://www.1stliberty.org/ to get started. Our platform is user-friendly, allowing you to check balances, pay bills, and transfer funds with just a few clicks. Whether you're at home or on the go, managing your money has never been simpler. One of the standout features of our online banking is person-to-person transfers. Need to send money to a friend or family member? You can do it instantly without any hassle. Plus, if you prefer receiving statements digitally, you'll be pleased to know that we offer e-statements, ensuring your documents are always accessible and secure. For those who enjoy banking on their mobile devices, our mobile application makes it easy to handle your finances from the palm of your hand. While we currently don't support mobile payments, our app provides all the essential features for effective account management. Security is a top priority at 1st Liberty. We ensure that all transactions are protected with the latest technology so that you can bank with confidence. Although we don't offer electronic signature authorization right now, our robust systems keep your information safe. In short, whether you're looking to monitor your accounts or make quick transactions, 1st Liberty's digital banking services provide everything you need for a smooth financial experience. Explore more about these offerings by visiting us online!

Financial Strength

Building Trust Together

Net Shares (Funds available for lending and investments): $383,437. Total Share 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 121 1St Ave Se Shelby Mt 59474 or call (406) 434-2848 to learn more about how we can help you achieve your financial goals.

Commitment to Innovation

With $2,000 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is evident as we hold $658 in used auto loans and $85,263,180 in total loans and leases, supporting your financial goals across various sectors.

Member Savings and Growth

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.

Operational Efficiency

Our efficient operations reflect our commitment to serving you well. Our $150,335 indicates that we manage our resources wisely, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 53 full-time employees and 6 part-time employees, ensuring our branches are always ready to assist you with a knowledgeable team.

Strong Financial Health

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. This net worth supports our mission to serve you effectively and responsibly. Our net worth ratio of 14.25% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

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. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options tailored for you.

Credit Lines

Our credit lines are another great option for managing cash flow or unexpected expenses. With a total of $22,354,815 available in credit lines loans, our members can take advantage of this flexible financing solution whenever they need it. If you're considering refinancing any existing loans or exploring eligibility options for our loan products, we encourage you to reach out to us directly at 406-434-2848 or visit us at our branch located at 121 1st Ave SE Shelby MT 59474. We're here to help you navigate through your choices and find what works best for your financial situation. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At 1st Liberty, we're committed to supporting our members every step of the way on their financial journey.

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 work with you to find a solution that fits your budget and helps you secure your dream home.

Unsecured Credit Card Loans

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 provides you with the purchasing power you need while allowing you to enjoy benefits like rewards programs.

Loan Aggregator

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1ST LIBERTY FEDERAL CREDIT UNION - Shelby, MT

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