Community 1st Miles City MT Credit Union | Affordable Vehicle Loans & Mortgage Refinancing

Introduction

Welcome to Community 1st, your trusted partner in financial success, located right here at 2905 Main St, Miles City, MT 59301. Since our establishment in 1953, we've dedicated ourselves to serving our members with integrity and commitment. With a robust membership of 3,920 individuals and total assets reaching an impressive $39,073,783, we are proud to offer a wide range of financial products tailored to meet the diverse needs of our community. At Community 1st, we believe in building lasting relationships based on trust. Under the leadership of our CEO, John Gillette, and Board President, Keith Bogner, we strive to create an environment where every member feels valued and supported. Our team of 11 dedicated employees is always ready to assist you with personal banking services such as checking and savings accounts, auto loans, mortgage refinancing, and business banking solutions. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to the same address: 2905 Main St, Miles City, MT 59301. With total deposits of $2,219,021 and cash in hand amounting to $1,573,709, we ensure that your money is not only safe but also working for you. Our commitment goes beyond just numbers; it's about making a positive impact in our community. We take pride in supporting local initiatives and helping our members achieve their financial goals. Whether you're looking for a loan or simply want to open a new account, we're here for you every step of the way. Feel free to reach out to us at (406) 234-2550 during our operating hours from 9:00 AM to 4:00 PM Monday through Friday. Explore more about what we offer by visiting our website at www.c1stfcu.org. Join us today and experience the Community 1st difference!

Branch History & Mission

Commitment to Innovation

In today's fast-paced world, we understand the importance of digital solutions. That's why we've embraced online banking and person-to-person payment options, allowing our members to manage their finances from anywhere. Our commitment extends beyond technology; we prioritize ADA compliance and customer-centric initiatives that ensure everyone can benefit from our services.

Community Engagement

Community involvement is at the heart of what we do. Over the years, we've partnered with various local organizations to give back and strengthen the bonds within our community. We believe that by supporting local events and initiatives, we can help create a brighter future for all residents of Miles City. As we look toward the future, we invite you to become part of our family at Community 1st. Experience firsthand the benefits of membership, where your financial goals are met with personalized service and unwavering support. Join us today and discover how together we can build a stronger community! For more information or assistance, feel free to contact us at 406-234-2550 or visit us online at Community 1st. We can't wait to welcome you!

Mission Statement

At Community 1st, our mission is simple yet powerful: we strive to provide exceptional financial services while fostering strong community connections. We believe in empowering our members through accessible banking options that cater to personal and business needs alike. Whether it's through checking and savings accounts, auto loans, or business banking services, we aim to support our community's financial well-being. We are dedicated to making banking easier and more approachable. Our operating hours are from 9:00 am - 4:00 pm Monday through Friday, ensuring that you have ample opportunity to meet your banking needs. We also offer ATM services and drive-thru banking for those who prefer quick and convenient access.

Branch Location & Accessibility

Accessibility Features

At Community 1st, we strive to make banking easy for everyone. Our branch is ADA compliant, featuring ramps and accessible parking to ensure all members can visit us comfortably. Plus, with our drive-thru service, you can handle your banking needs without leaving your vehicle.

Contact Us

Have questions? Don't hesitate to reach out! You can call us at 406-234-2550 for assistance or more information about how we can support your financial journey. We look forward to welcoming you at Community 1st!

Operating Hours

We understand that life can get busy, which is why our lobby hours are designed to fit your schedule. Join us Monday through Friday from 9:00 AM to 4:00 PM. Whether you're making a deposit, applying for a loan, or just need some advice, our team is ready to help during these hours.

Services Offered

As a member of Community 1st, you'll enjoy a variety of services tailored to meet your needs. We offer everything from checking and savings accounts to auto loans and mortgage refinancing. Our drive-thru allows for quick transactions like deposits and withdrawals, while our ATM ensures you have access to your funds whenever you need them. While members can visit us at 2905 Main St Miles City Mt 59301, official correspondence should be sent to the same address as it serves both purposes.

Member Eligibility

At Community 1st, we believe that joining our community is about more than just banking; it's about being part of a supportive network that truly cares for its members. If you're looking to become a member, you're in the right place! We welcome individuals who live, work, worship, or attend school in the area. This means that if you have ties to our vibrant community, you can take advantage of the many benefits we offer, from competitive loan rates to personalized financial services. Becoming a member is simple and straightforward. You can visit us at 2905 Main St Miles City Mt 59301 or give us a call at (406) 234-2550 for more details on how to get started. We encourage you to check out the complete eligibility criteria by visiting this link for any updates. We're excited to have you join us and look forward to helping you achieve your financial goals!

Business Banking & Commercial Services

Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $109 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $8,338,866, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Work for You

In addition to loans, we provide comprehensive merchant services that simplify payment processing. Picture this: your customers seamlessly pay with their credit cards while you enjoy low transaction fees and quick deposits into your account. This efficiency not only enhances customer satisfaction but also boosts your bottom line. Whether you're located at 2905 Main St Miles City Mt 59301 in Miles City, MT, or anywhere else, our dedicated team is ready to assist you. Contact us at (406) 234-2550 today to learn how we can support your business journey!

Comprehensive List Of Services

Additional Services

We also have basic drive-thru banking available for deposits, withdrawals, and simple transactions perfect for those busy days when you're on the go. Need to check your balance? Our ATMs are equipped for quick balance checks as well. At Community 1st, we believe in making banking straightforward and accessible. Our friendly staff is always ready to assist you with any questions or concerns. If you're looking for a financial partner who genuinely cares about your success, look no further. Feel free to reach out at (406) 234-2550 or visit us at 2905 Main St Miles City Mt 59301 during our lobby hours from 9:00 AM to 4:00 PM, Monday through Friday. We're excited to help you achieve your financial goals!

Business Banking Services

For business owners, Community 1st offers specialized banking solutions such as merchant services and business loans. We understand that running a business comes with its own set of challenges, so our dedicated team is ready to support you with flexible options tailored specifically for your enterprise.

Credit Options That Work for You

If life throws unexpected expenses your way, our personal loans and debt consolidation services can provide the financial relief you need. Plus, with our credit cards featuring rewards programs, every purchase can bring you closer to exciting perks and benefits.

Digital Banking Convenience

In today's world, having access to your finances at any time is crucial. That's why we provide robust online and mobile banking features. With just a few clicks or taps on your phone, you can manage your accounts, transfer funds, or pay bills without needing to visit us in person. Our ATM and cash withdrawal services allow for easy access to your money whenever you need it.

Personal Banking Solutions

Starting with personal banking, we offer checking and savings accounts that are user-friendly and tailored to fit your lifestyle. Imagine opening an account that helps you manage your daily expenses while also allowing you to save for future goals. Our auto loans and vehicle financing make it easy for you to drive home in your dream car without the financial stress. If you're thinking about a new home, our mortgage loans and refinancing options are here to guide you through every step of the process, ensuring that homeownership is within reach.

Digital & Online Banking

Key Features

We know that security is important when it comes to banking. At Community 1st, we prioritize your safety with robust security measures in place for all online transactions. You can rest assured that your personal information is protected while you manage your accounts effortlessly. Our electronic statements make it easy for you to stay organized. With Yes available, you can view and download your account statements anytime without the clutter of paper. Plus, if you're looking to send money quickly and conveniently, our person-to-person transfers let you send funds directly to friends or family with just a few clicks. While we currently do not support mobile payments or a dedicated mobile application, our online banking experience remains accessible across devices whether you're using a computer or a smartphone browser. This ensures that managing your finances is simple and straightforward. In summary, whether you're checking balances, transferring money, or viewing statements, our digital banking services at Community 1st are here to make banking easier for you. Join us today and take advantage of these convenient features that put your financial management in the palm of your hand!

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 6,216, showing a strong and growing member base that trusts us with their finances. This reflects not only our stability but also the community spirit that drives us forward. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Community 1st is your trusted partner. Visit us at 2905 Main St Miles City Mt 59301 or call (406) 234-2550 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

With $4,057,266 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our robust lending capacity is reflected in our $421 in used auto loans and $32,447,594 in total loans and leases, supporting your financial goals across various sectors. Our $118,788 indicates our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 10 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member-Centric Resources

Members' savings are secured through $5,044,237 in share certificates and $6,217,838 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.

Solid Financial Health

With a net worth of $4,338,629, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 11.10% 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 $6,487,073 in used vehicle loans and $991,896 in new vehicle loans already helping members get on the road. Whether you're eyeing a brand-new model or a reliable used car, our flexible terms make it easier for you to drive away in the vehicle you want.

Business Financing

For business owners, our outstanding commercial loans totaling $8,338,866 provide the capital needed to grow and expand. We are dedicated to supporting local businesses with tailored financial solutions that fit your specific needs.

Credit Cards and Personal Loans

Managing everyday expenses can be challenging. That's why we also offer flexible terms on unsecured credit card loans, with a total of $154,146 in loans helping members manage their finances effectively. Our personal loans provide additional support for those looking to consolidate debt or finance unexpected costs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $2,073,332, make buying or refinancing simple. We are here to guide you through the process every step of the way so that owning your dream home becomes a reality.

Why Choose Community 1st?

When you choose us for your lending needs, you're not just getting a loan; you're gaining a partner committed to your financial well-being. We also offer refinancing options and eligibility reviews to ensure that our products work for you. If you have questions about our loan offerings or would like to discuss how we can help you meet your financial objectives, don't hesitate to reach out! You can visit us at 2905 Main St Miles City MT 59301 or call us at 406-234-2550. 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 look forward to assisting you with all your borrowing needs!

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COMMUNITY 1ST FEDERAL CREDIT UNION - Miles City, MT

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