Lincoln County Credit Union Libby MT | Affordable Vehicle Loans & Personal Banking

Introduction

At Lincoln County Credit Union, we believe in building strong relationships with our members and the community. Located at 714 W 6Th St, Libby, MT 59923, our branch has been serving the needs of our local families since 1957. With a total membership of 5,690 and assets amounting to an impressive $166,904,814, we are proud to be a trusted financial partner for so many. Under the leadership of our dedicated CEO, Lindsay Beaty, and Board President, Jon Reny, our team of 16 employees is committed to providing personalized service that meets your financial goals. Whether you need assistance with personal banking, auto loans, or business services, we're here to help. Our members enjoy benefits like online banking and access to ATMs for convenient transactions. While members can visit us at our physical location, official correspondence should be sent to our mailing address: PO Box 1586, Libby, MT 59923. With total deposits reaching $38,944,394 and cash in hand totaling $1,621,112, we maintain a solid foundation to support your financial needs. We also offer various loan options with a total of 2,443 loans and leases currently active. We invite you to explore how Lincoln County Credit Union can enhance your banking experience. Feel free to reach out at 406-293-7771 or visit our website at www.lincolncountycu.com for more information. Let's work together toward your financial success!

Branch History & Mission

Commitment to Innovation

We understand the importance of adapting to the changing landscape of technology in banking. Our commitment to digital advancements means you can enjoy online banking services, mobile applications for ease of access, and electronic statements all designed with your convenience in mind. We are also proud of our ADA compliance efforts ensuring that all members can access our facilities comfortably.

Join Us

As we continue this journey together since 1957, we invite you to become part of the Lincoln County family. Experience firsthand how we combine quality financial products with personalized service aimed at helping you achieve your financial goals. Visit us today or give us a call at 406-293-7771 to learn more about how we can serve you better!

Our Mission

Our mission is simple yet profound: to empower our members through exceptional financial services while fostering community support and engagement. We believe that every individual deserves access to quality banking options that promote financial stability and growth. Whether it's personal banking like checking and savings accounts or lending options such as auto loans and mortgages, we strive to meet the diverse needs of our members. In addition to offering traditional banking services, we are dedicated to community outreach initiatives that uplift those around us. By partnering with local organizations and supporting various events throughout the year, we aim to make a positive impact in Libby and its surrounding areas.

Branch Location & Accessibility

Join Us Today!

At Lincoln County Credit Union, we take pride in serving our community with personalized banking solutions tailored just for you. We invite you to stop by or give us a call today! Let us help you navigate your financial journey with ease and confidence.

Nearby Landmarks and Accessibility

Conveniently situated near local landmarks, our branch is easy to find. With ample parking available, you can visit us without any hassle. We are committed to making banking accessible for everyone, featuring ADA-compliant facilities and ramps that ensure ease of access for all members.

Operating Hours and Services Offered

Our lobby is open Monday through Friday from 8 AM to 6 PM, providing plenty of time for you to drop by after work or during lunch breaks. On Saturdays, our drive-thru service runs from 9 AM to 3 PM for those busy weekends. You can enjoy a range of services including personal checking and savings accounts, auto loans, mortgage refinancing, and much more. For your convenience, we also have an ATM on-site and offer basic drive-thru banking for deposits and withdrawals. Plus, if you need assistance outside our regular hours, feel free to call us at 406-293-7771. While members can visit us at our physical location, any official correspondence should be sent to PO Box 1586 in Libby, MT.

Member Eligibility

At Lincoln County, we believe that everyone deserves a chance to be part of a supportive financial community. Joining us is easy and welcoming! If you live, work, or worship in Lincoln County or are a family member of an existing member, you can become part of our credit union family. Our members enjoy personalized service, competitive rates on loans and savings, and a variety of financial products designed to meet your needs. To learn more about the specific eligibility criteria, feel free to check out this link: https://lincolncountycu.opensecurely.com/apply.aspx?lenderref=lccu031921 . Opening an account at Lincoln County is just as simple! You can start your membership journey by visiting us at our location on 714 W 6Th St Libby Mt 59923 or by giving us a call at (406) 293-7771. For those who prefer online services, you can also find all the details you need for account opening here: https://bsdc.onlinecu.com/lincolnco/ . We're excited to welcome you to our community!

Business Banking & Commercial Services

Merchant Services That Work for You

Imagine having a partner that understands your cash flow needs. Our merchant services simplify payment processing, allowing you to focus on what you do best running your business. Accept payments easily and securely, ensuring a smooth experience for your customers while enhancing your bottom line. Visit us at 714 W 6Th St Libby Mt 59923 in Libby, MT, or call us at (406) 293-7771 to learn how we can support your business goals. Your success is our priority!

Tailored Lending Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $3 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $224,372, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new vehicle? Our auto loans and vehicle financing options make it easy for you to drive away in your dream car. With competitive rates and flexible terms, you can find a plan that fits your budget perfectly.

Business Banking Solutions

If you're a business owner, we haven't forgotten about you! Our business banking services, including merchant services and business loans, are structured to help local businesses thrive. We understand the unique challenges faced by entrepreneurs in our community.

Convenient Access & Support

We also offer basic drive-thru banking for deposits and withdrawals, ensuring that even simple transactions are quick and convenient. If you're a member of partner credit unions, take advantage of our shared branch transactions as well. At Lincoln County, we believe in making banking as easy as possible for everyone. For more information about any of these services or to get started today, please call us at 406-293-7771 or visit us online at lincolncountycu.com. We look forward to helping you with all your financial needs!

Credit Cards with Rewards

Looking for a credit card that rewards you for spending? Our credit cards with rewards can help you earn points on everyday purchases, turning your spending into savings over time.

Mortgage Loans & Refinancing

For those considering homeownership or looking to refinance an existing mortgage, our mortgage loans provide accessible paths to owning a home. We work with you every step of the way to ensure that the process is smooth and straightforward.

Personal Banking

Starting with personal banking, we offer checking and savings accounts designed for everyday needs. Imagine having easy access to your funds anytime you need them; that's what we strive for. You can enjoy the convenience of online and mobile banking, making it simple to manage your accounts from anywhere. Need cash? Our ATM services allow for quick withdrawals and balance checks without any hassle.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, which is why our personal loans are designed to give you that extra financial support when you need it most. Additionally, if you're dealing with multiple debts, our debt consolidation options might be just what you need to simplify your payments and lower your interest rates.

Digital & Online Banking

Key Features

Our online banking platform is user-friendly and accessible at https://www.lincolncountycu.com/ . You can easily set up electronic statements for quick access to your account information without the clutter of paper. Plus, with electronic signature authorization, signing documents is a breeze no need for printing or mailing. For those who love to keep things simple, our mobile application brings all these features right to your fingertips. Whether you're making person-to-person transfers or checking transactions, everything is just a tap away. While we currently don't offer mobile payments, our other services ensure you have plenty of options for managing your money effectively.

Security and Support

Your security is our top priority. Our online banking services utilize robust security measures to protect your personal information while you bank with us. You can rest easy knowing that your data is safe as you take advantage of our convenient features. In addition to being accessible and secure, our digital banking services allow real-time account management so you can stay informed about your finances whenever you need to. Join us at Lincoln County today and experience the ease of modern banking tailored just for you!

Financial Strength

Commitment to Growth

With $32,625,975 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our total loans and leases amount to $69,042,822, which include $628 in used auto loans that support your financial goals across various sectors.

Growing Member Base

We are excited to report that we have a strong and growing member base with a total of 12,030 share accounts. This demonstrates the trust our community places in Lincoln County, reinforcing our position as your go-to financial partner. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Lincoln County is your trusted partner. Visit us at 714 W 6Th St Libby Mt 59923 or call (406) 293-7771 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $19,530,310 in share certificates and $11,565,136 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 $1,828,205 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 15 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $34,454,180, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,064 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

Additional Services

If you're considering refinancing or need assistance determining eligibility for any of our loan products, our dedicated team is here to help. We believe in making the lending process as straightforward as possible. Our branch is located at 714 W 6Th St Libby MT 59923, and you can reach us at 406-293-7771 during our operating hours: Monday through Friday from 8 AM to 6 PM and Saturday from 9 AM to 3 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Explore our loan offerings today and see how Lincoln County can support your financial journey!

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $9,633,329 in used vehicle loans and $2,675,207 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates designed to fit your budget and lifestyle.

Business Loans

For business owners, our outstanding commercial loans totaling $224,372 provide the capital needed to grow and expand your ventures. We understand the unique challenges businesses face and are committed to supporting local entrepreneurs.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $4,979,559, make buying or refinancing simple. We guide you through the process so you can feel confident about your investment.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,173,307 in loans helping members manage their finances effectively. Our credit cards come with rewards and benefits that can enhance your purchasing power while keeping your finances in check.

Loan Aggregator

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LINCOLN COUNTY CREDIT UNION - Libby, MT