Lincoln County Credit Union Troy MT | Best Auto Loans & Mortgage Refinancing

Introduction

Welcome to Lincoln County, your trusted financial partner located at 607 E Missoula Ave, Troy, MT 59935. Since our establishment in 1957, we have proudly served our community, fostering a spirit of cooperation and support among our 5,690 members. With total assets reaching $166,904,814, we are committed to providing exceptional financial services tailored to your needs. At Lincoln County Credit Union, we believe in making banking accessible and beneficial for everyone. Whether you're looking for personal banking solutions like checking and savings accounts or need assistance with auto loans and mortgages, we are here for you. Our team of dedicated professionals, led by CEO Lindsay Beaty and Board President Jon Reny, strives to ensure that every member feels valued and supported. While members can visit us at our branch location, official correspondence should be sent to PO Box 1586, LIBBY, MT 59923. With a robust range of services including online banking and drive-thru access we make managing your finances easy and convenient. Our strong financial foundation is evident in our impressive figures: we currently hold $38,944,394 in deposits and maintain a net worth of $34,454,180. Furthermore, our commitment to responsible lending has resulted in over 2,443 loans and leases, helping members achieve their financial goals. Join us today! Visit our website at lincolncountycu.com or call us at 406-295-5569 to learn more about how Lincoln County can assist you on your financial journey. We look forward to serving you!

Branch History & Mission

At Lincoln County, we take pride in our rich history and commitment to our community. Established in 1957, our branch at Steins Market has grown from a small credit union into a trusted financial partner for the residents of Troy, MT. Over the years, we have expanded our services and strengthened our ties with the community, all while maintaining our core mission: to empower our members through exceptional financial services and support. Located at 607 E Missoula Ave, Troy, MT 59935, our branch is not just a place to manage your finances; it's a hub for local connections. With easy access to nearby landmarks, we invite you to visit us during our operating hours Monday through Friday from 9 AM to 6 PM and Saturday from 9 AM to Noon for drive-thru banking. If you need to send official correspondence, please use our mailing address: PO Box 1586, Libby, MT 59923. As of now, we proudly serve 5,690 members with total assets amounting to an impressive $166,904,814. This growth reflects the trust and loyalty of our members who see Lincoln County as more than just a credit union; they view us as a vital part of their financial journey. Our mission goes beyond providing traditional banking services. We aim to enhance the quality of life in our community by offering financial education, fostering economic growth through loans and investments, and supporting local initiatives. We understand that every member's needs are unique. That's why we offer a variety of services ranging from personal banking options like checking accounts and auto loans to business banking solutions designed to help local businesses thrive. In addition to physical banking options like ATM availability and drive-thru service, we've embraced technology with online banking features that make it easier for members to manage their finances anytime, anywhere. Our shared service center also allows members from partner credit unions to conduct basic transactions seamlessly. Community outreach remains at the heart of what we do. Whether it's sponsoring local events or collaborating with schools for financial literacy programs, we believe in giving back and making a positive impact on those around us. As we look toward the future, we invite you to be part of this incredible journey. Join Lincoln County today and experience the benefits of being part of a member-focused credit union dedicated not only to your financial success but also to enriching the community we all call home. For inquiries or assistance, feel free to contact us at 406-295-5569 or visit our website here. Together, let's build a brighter tomorrow!

Branch Location & Accessibility

Accessibility and Amenities

At Lincoln County, we understand that accessibility is key. Our branch features ADA-compliant facilities, including ramps and designated parking spaces to ensure all members can visit us comfortably. If you're looking for quick service, take advantage of our drive-thru banking option perfect for those busy days when you need to deposit or withdraw cash without leaving your car. And yes, we do have an ATM available for your convenience!

Contact Us

Have questions? Feel free to reach out at 406-295-5569. While members can visit us at 607 E Missoula Ave, official correspondence should be sent to PO Box 1586, Libby, MT 59923 if needed. We invite you to come by and discover how we can help meet your financial needs today!

Operating Hours

We're here for you during the week from Monday to Friday, opening our doors at 9 AM and closing at 6 PM. On Saturdays, our drive-thru service runs from 9 AM to noon. Whether you're coming in for personal banking services like checking and savings accounts or exploring loan options such as auto loans or mortgages, we've got you covered.

Member Eligibility

Becoming a member of Lincoln County is like joining a close-knit family where your financial well-being is our top priority. At our branch located at 607 E Missoula Ave Troy Mt 59935, we welcome individuals who share a commitment to community and mutual support. To be eligible for membership, you simply need to live, work, worship, or attend school in Lincoln County, MT. This means that if you have a connection to our vibrant community, you're already one step closer to enjoying all the benefits we offer, from personalized service to competitive loan rates and savings options. Joining us is easy! You can find detailed eligibility information by visiting https://lincolncountycu.opensecurely.com/apply.aspx?lenderref=lccu031921. Once you're ready to open an account, check out our straightforward process at https://bsdc.onlinecu.com/lincolnco/. If you have any questions or need assistance, don't hesitate to give us a call at (406) 295-5569. We're here to help you take this exciting step toward being part of something special at Lincoln County!

Business Banking & Commercial Services

Business Loans That Fuel Growth

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. - With an outstanding commercial loan portfolio of $224,372, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

Imagine a scenario where your customers can pay effortlessly at checkout, whether online or in-store. Our merchant services provide the tools you need to accept payments securely and efficiently. This means less time worrying about transactions and more time focusing on what really matters growing your business. Visit us at 607 E Missoula Ave Troy Mt 59935, Troy, MT to explore how we can help you thrive. Call us at (406) 295-5569 for more information!

Comprehensive List Of Services

Business Banking Support

Small business owners will appreciate our dedicated business banking services. From merchant services that streamline transactions to business loans that fuel growth, we're here to support your entrepreneurial spirit every step of the way.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. You can manage your accounts from anywhere with just a few clicks or taps on your phone. Need cash? Our ATM and cash withdrawal services ensure you have easy access whenever needed. Additionally, if you prefer face-to-face interaction, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car.

Home Sweet Home

If you're ready to make the leap into homeownership or considering refinancing, our mortgage loans are designed for both first-time buyers and seasoned homeowners alike. With personalized guidance from our experienced staff, you'll find the right mortgage solution to make your dream home a reality.

Partnering with Shared Services

We also provide shared branch transactions for members of partner credit unions, making it easier than ever to perform deposits and withdrawals no matter where you are. At Lincoln County, we pride ourselves on being more than just a bank; we're part of the community in Troy and committed to helping each member achieve their financial goals. If you're curious about how we can assist you further or want more details about any service, don't hesitate to reach out! Call us at (406) 295-5569, visit us online at Steins Market, or stop by our branch today. Your journey toward financial well-being starts here!

Personal Banking Made Easy

When it comes to personal banking, we offer a range of options designed with you in mind. Our checking and savings accounts are crafted to help you manage your money effortlessly. Imagine having easy access to your funds while earning interest on your savings it's all possible here. For those looking to purchase a car or refinance an existing loan, our auto loans and vehicle financing provide competitive rates that can fit any budget. We also understand that life can throw unexpected expenses your way; that's why our personal loans and debt consolidation options are there to give you peace of mind.

Smart Financing Options

For those who love rewards, our credit cards come with benefits that enhance your spending experience. Whether you're using them for everyday purchases or special occasions, you'll earn rewards that can lead to exciting perks.

Digital & Online Banking

Key Features

One of the standout features is our electronic signature authorization, which allows you to sign documents securely from the comfort of your home. This means no more trips to the branch just to complete paperwork! For those who prefer a paperless approach, we also provide e-statements, giving you easy access to your account statements without the clutter of physical mail. If you're looking to send money quickly to friends or family, our person-to-person transfer feature is perfect for you. It's simple and fast just a few taps on your mobile device and you're done! Speaking of mobile devices, don't forget to check out our mobile application. Available for download now, it makes banking even easier by putting all these features right in your pocket.

Security and Accessibility

Your security is our priority. We employ robust measures to protect your information while ensuring that using our online services remains straightforward. With easy navigation and real-time account updates, you'll always know where you stand financially. So whether you're checking in on your accounts during lunch or making a payment from the comfort of your couch, Lincoln County's digital banking services have got you covered. Experience hassle-free banking today by visiting us online!

Financial Strength

At Lincoln County, 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 understand how important it is for you to know that your money is in good hands, and we are proud to share our financial strength with you. 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 20.64% 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 $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. 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 lending capacity is robust; with $6,284 in used auto loans and a total of $69,042,822 in loans and leases, we support members' financial goals across various sectors. Our impressive net income of $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 employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team. Net Shares (funds available for lending and investments) stand at $859,017, while our total share accounts have reached an impressive 12,030. This shows a strong and growing member base that trusts us with their finances. Rest assured that the performance insights and financial data shared here are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. 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 607 E Missoula Ave Troy MT 59935 or call 406-295-5569 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 $9,633,329 in used vehicle loans and $2,675,207 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, our flexible terms can work for you.

Credit Lines and Unsecured Loans

For those looking for additional flexibility, we offer credit lines up to $5,000,000. This can be an excellent option for managing cash flow or covering unexpected expenses. Additionally, we have flexible terms on unsecured credit card loans as well, with a total of $1,173,307 in loans helping members manage their finances effectively.

Mortgage Options

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 provide support throughout the process to ensure you find the right fit for your budget and lifestyle.

Refinancing and Eligibility

If you're considering refinancing existing loans or exploring eligibility options for any of our products, we're here to assist you every step of the way. Our knowledgeable staff is ready to answer your questions and guide you through the application process. For more information about our loan offerings or to see how we can help meet your financial needs, please visit us at our branch located at 607 E Missoula Ave, Troy MT 59935. You can also reach us by phone at 406-295-5569. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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Lincoln County