Mountain West Credit Union Libby MT | Affordable Auto Loans & Business Banking

Introduction

Welcome to the Mountain West at our Libby Branch, where your financial well-being is our top priority. Established in 1952, we have been proudly serving the Libby community for over 70 years, building trust and fostering relationships with our 3,099 members. Located at 1010 Minnesota Ave, Libby, MT 59923, we invite you to join us in a welcoming environment where your needs are at the heart of everything we do. At Mountain West, we're more than just a credit union; we're a community partner committed to supporting local families and businesses. With total assets exceeding $22,727,734 and total deposits of $1,980,576, we take pride in offering a variety of services tailored to fit every member's financial journey. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or even mortgage refinancing, we have something for everyone. Our leadership team is dedicated to ensuring that you receive exceptional service. Led by CEO Whitney Johnson and Board President Robert Bristol, our team is here to guide you through all your banking needs. We also boast a skilled staff of 11 employees, each ready to assist you with personalized attention and care. While members can visit us at our branch address, official correspondence should be sent to 1010 Minnesota Ave., Libby, MT 59923-2234 if needed. We encourage you to reach out with any questions or concerns at 406-293-6421 or via fax at 406-782-0406. We understand that life can get busy, which is why we offer convenient services such as online and mobile banking. You can manage your finances anytime, anywhere! Join us today at Mountain West Credit Union your trusted partner in financial success. Visit our website at mountainwestfcu.com for more information or to start your membership journey online. Let's build a brighter financial future together!

Branch History & Mission

At Mountain West, we take pride in our rich history and commitment to serving the community of Libby, Montana. Founded in 1952, our branch has grown from a small financial institution into a trusted partner for nearly 3,100 members. Located at 1010 Minnesota Ave, our welcoming space is a cornerstone of the community, where we provide essential financial services with a personal touch. Over the years, Mountain West has evolved significantly. We have expanded our offerings to include various banking solutions such as checking and savings accounts, auto loans, mortgage loans, and credit cards with rewards. Our total assets now stand at an impressive $22,727,734, reflecting our dedication to responsible growth and member service. Our mission is clear: to empower our members by providing accessible financial products while fostering a sense of community. We believe that everyone deserves the opportunity to achieve their financial goals, and we strive to support our members in every step of their journey. Whether you are saving for your first home or managing day-to-day expenses, we are here to help you thrive. While members can visit us at 1010 Minnesota Ave, official correspondence should be sent to the same address. Our branch operates Monday through Friday from 9:30 AM to 5:00 PM, making it convenient for you to reach us when you need assistance. In addition to traditional banking services, Mountain West is committed to enhancing the member experience through digital advancements. We offer online banking and mobile applications to ensure that managing your finances is easy and efficient. Although we do not have ATM or drive-thru services at this location, we do participate in shared service centers that allow our members access to cash withdrawals and basic transactions at partner credit unions. Community engagement is at the heart of what we do. Mountain West actively participates in local events and outreach initiatives aimed at supporting various causes within Libby. This involvement not only strengthens our ties with the community but also enriches the lives of those we serve. We invite you to join Mountain West and become part of a family that prioritizes your financial well-being. Experience personalized service and a commitment to your success visit us today or learn more about how we can assist you by calling us at 406-293-6421 or visiting our website at mountainwestfcu.com. Together, let's build a brighter financial future!

Branch Location & Accessibility

Welcome to the Mountain West branch, your go-to financial partner conveniently located at 1010 Minnesota Ave, Libby, MT 59923. Nestled in the heart of Lincoln County, our branch is easily accessible for all your banking needs. Whether you're popping in for personal banking services or exploring loan options, we're here to help with a friendly smile and expert guidance. While members can visit us at our physical location, official correspondence should be sent to our mailing address: 1010 Minnesota Ave., Libby, MT 59923-2234. This ensures that we receive your important documents promptly. Our branch is surrounded by familiar landmarks that make it easy to find. Just a short walk from the local library and adjacent to several dining spots, you'll feel right at home when you visit us. Plus, we prioritize accessibility with features like ADA-compliant entrances and ample parking for everyone. We understand that your time is valuable. That's why we offer convenient lobby hours from 9:30 AM to 5:00 PM Monday through Friday. Whether you're coming in for a quick transaction or need assistance with more complex financial inquiries, our dedicated team is ready to serve you during these hours. Unfortunately, we currently do not have ATM services or drive-thru banking available; however, we are proud to offer shared services for basic transactions such as deposits and withdrawals for partner credit union members. This allows us to expand our service offerings while ensuring you have access to the essential banking functions you need. For any questions or assistance, feel free to call us at 406-293-6421. We invite you to come visit us at Mountain West where community and convenience meet!

Member Eligibility

Becoming a member of Mountain West is like joining a close-knit community where everyone looks out for one another. If you live, work, or worship in the area around 1010 Minnesota Ave Libby Mt 59923, you're already on your way to enjoying the benefits of membership! This includes access to personalized banking services, low-interest loans, and various financial products designed to help you achieve your goals. Plus, we welcome family members of existing members too, making it even easier to share the advantages with those you care about. Ready to get started? Opening an account with us is simple and straightforward. You can find all the details you need about eligibility at this link. Once you're ready to join, just head over to our account opening page here or give us a call at (406) 293-6421 if you have any questions. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no outstanding commercial loans, we are eager to help local entrepreneurs thrive. We offer flexible financing options that adapt to your specific needs, ensuring you have the capital necessary for expansion or operational improvements.

Merchant Services

In today's competitive market, efficient transaction processing can set your business apart. Our merchant services streamline payment solutions, allowing you to focus on what truly matters serving your customers. Imagine a bustling café where every order is processed swiftly and accurately, enhancing customer satisfaction and boosting sales. Whether you're a startup or an established company, Mountain West is here to partner with you on your journey. Let us help you navigate the financial landscape of business banking and achieve your goals! For more information, call us at (406) 293-6421 or visit our website at Mountain West.

Comprehensive List Of Services

Convenient Access with Shared Branch Transactions

If you're a member of another participating credit union, you can still enjoy basic shared branch transactions like deposits and withdrawals at our location. This added flexibility makes managing your money even easier.

Financing Your Dreams

When it comes to financing big purchases, we've got you covered. Our auto loans and vehicle financing options make buying a car more manageable than ever. Picture driving off the lot in your dream vehicle with an affordable payment plan that fits your budget. Additionally, if you're considering homeownership or refinancing your existing mortgage, our mortgage loans can help you secure the right rate for your situation.

Get Started Today!

With all these services available at Mountain West, there's no better time to take charge of your financial future. Visit us at 1010 Minnesota Ave Libby Mt 59923 or call us at (406) 293-6421 for more information on how we can assist you. Explore our online resources at Libby Branch to start taking advantage of everything we have to offer!

Personal Banking Made Easy

Whether you're looking to open a checking or savings account, our personal banking services are designed with you in mind. With our checking and savings accounts, you can easily manage your day-to-day finances. Imagine being able to access your funds anytime through our online and mobile banking platforms. This way, making transfers or checking your balance is just a click away, no matter where you are.

Personal Loans for Life's Needs

Life can throw unexpected expenses your way. Our personal loans and debt consolidation services provide flexible solutions to help you navigate through those challenging times. Imagine consolidating multiple debts into one easy monthly payment; it's a great way to regain control of your finances.

Rewarding Credit Options

Don't forget about our credit cards with rewards! These cards not only help build your credit history but also offer perks that can enhance your lifestyle like cash back on everyday purchases.

Supporting Local Businesses

For our local business members, we offer specialized business banking services, including merchant services and business loans. Whether you're starting a new venture or expanding an existing one, we're here to support you every step of the way.

Digital & Online Banking

A User-Friendly Experience

Navigating through our online banking is straightforward. You don't need to be tech-savvy; just log in and you'll find everything laid out clearly. Although we don't offer electronic signature authorization right now, we still ensure that each feature is designed with security in mind. At Mountain West, we're dedicated to making sure that your banking experience is not only efficient but also enjoyable. Explore our digital services today at https://mountainwestfcu.com/ and take control of your finances like never before!

Key Services for Your Convenience

With our 24/7 online banking services, you can check your balances, pay bills, and transfer money whenever it suits you. Need to save a tree? Our e-statements make it easy to go paperless while keeping all your financial documents organized and accessible. You can view your statements right from your device without any hassle. For those who love managing their finances on the move, our mobile application is just what you need. It's user-friendly and packed with features that let you handle your banking tasks effortlessly. From checking balances to making payments, everything is at your fingertips. While our current offerings do not include mobile payments or person-to-person transfers, we're committed to providing a secure experience. We prioritize your safety with every transaction, ensuring that your information is protected while you enjoy the convenience of digital banking.

Financial Strength

Committed Team

Our $70,461 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We take pride in having 7 full-time employees and 4 part-time employees who are always ready to assist you with knowledgeable support. With Net Shares available for lending and investments totaling $62,074, we continue to build a strong foundation for future growth. Our growing community is reflected in our Total Share Accounts: 5,422, showing how many members trust us with their finances.

Conclusion

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Mountain West is your trusted partner. Visit us at 1010 Minnesota Ave Libby Mt 59923 or call (406) 293-6421 to learn more about how we can help you achieve your financial goals.

Member Savings and Investments

Members' savings are secured through $2,373,586 in share certificates, offering stable and rewarding financial growth opportunities. While we currently do not have money market shares, our focus remains on maximizing the benefits of every dollar deposited with us. 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 Financial Health

With a net worth of $3,946,980, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This net worth ensures that your savings are safeguarded while also enabling us to invest in new services and technologies that benefit you. Our net worth ratio of $1,733 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. This ratio reflects our commitment to maintaining a robust financial position.

Reinvesting in Our Community

With $3,493,738 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This allows us to keep improving the services you rely on. We also support your financial goals with $494 in used auto loans and $15,711,209 in total loans and leases. Our lending capacity is designed to help you achieve your dreams whether it's buying a car or financing other important life events.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued over $6,329,194 in used vehicle loans and $3,193,100 in new vehicle loans, helping members get on the road efficiently and affordably. We also provide refinancing options if you're looking to lower your current payments or consolidate your debts into one manageable loan.

Credit Lines

For those who prefer flexibility in their borrowing needs, our total credit lines amount to $2,000,000. This option provides peace of mind knowing you have access to funds when unexpected expenses arise. For any inquiries or assistance regarding our loan products and services, feel free to call us at 406-293-6421 during our operating hours from 9:30 AM to 5:00 PM on weekdays. 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 Mountain West Credit Union, we aim to simplify your borrowing experience while providing competitive rates tailored for our members' needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. With $1,006,514 dedicated to Junior Lien 1-4 Family Residential Properties loans, we can help you secure a place to call home. Our knowledgeable staff will guide you through the eligibility process and help find the right terms for your situation.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $184,194 in loans available, these cards can help you manage your finances effectively while earning rewards for everyday purchases. If you're interested in applying for a credit card or need assistance with managing existing debt, our team is ready to assist.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and reliability, LendMesh serves as a trusted resource for consumers seeking the most competitive loan options available. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This means that all the information you see is based on the latest results and meets rigorous regulatory guidelines (Source: https://www.ncua.gov ). This commitment to verified data helps to create an environment where users can confidently explore their borrowing options. One of the key benefits of using LendMesh is its focus on verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency and trustworthiness in every comparison. Additionally, LendMesh does not feature sponsored listings; lenders are not prioritized based on paid promotions. The goal here is clear: to provide unbiased results that empower users to make informed decisions. Another significant advantage is the real-time rate comparisons. Users have access to up-to-date loan rates from multiple institutions, which allows them to evaluate their options effectively and choose what best fits their financial needs. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're looking to compare real-time loan offers today, visit LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

MOUNTAIN WEST FEDERAL CREDIT UNION - Libby, MT