Ravalli County Credit Union Florence MT | Affordable Vehicle Loans & Quick Personal Loans

Introduction

Welcome to Ravalli County Federal Credit Union, where your financial well-being is our top priority. Located at 5525 Us Highway 93 N, Florence, MT 59833, we have been proudly serving our community since 1969. With a strong commitment to our members, we currently support over 5,924 local families and individuals, providing them with the tools they need to thrive financially. At Ravalli County FCU, we believe in building lasting relationships based on trust and transparency. Our total assets of $74,777,041 reflect our dedication to stability and growth. Whether you're looking for personal banking solutions like checking and savings accounts or financing options such as auto loans and mortgages, we are here to help you every step of the way. Our experienced team, led by CEO Darci Parsons and Board President Barrie Smith, is dedicated to ensuring that each member feels valued. With a total of 15 employees, we pride ourselves on providing personalized service tailored to meet your unique needs. While you can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 937, Florence, MT 59833. We encourage you to reach out via phone at 406-363-4631 or explore our website at ravallicountyfcu.org for more information about our services. With total deposits amounting to $4,487,575 and a net worth of $9,618,927, we are well-positioned to support your financial goals. Our offerings include everything from credit cards with rewards to business banking solutions tailored for local entrepreneurs. Join us today and experience the difference that comes from being part of a community-focused credit union. We're excited to help you achieve your financial aspirations!

Branch History & Mission

At Ravalli County Federal Credit Union, we take pride in our rich history and unwavering commitment to serving our members. Founded in 1969, our journey began with a simple mission: to provide accessible financial services to the residents of Florence, MT. Over the years, we have grown alongside our community, establishing ourselves as a trusted partner in their financial journeys. Located at 5525 Us Highway 93 N, Florence, MT 59833, our branch is easy to find and conveniently situated near local landmarks that enhance our community connection. We invite everyone to come visit us during our operating hours 10:00 AM to 7:00 PM Tuesday through Friday and 9:00 AM to 3:00 PM on Saturdays. Whether you need assistance with personal banking or advice on loans, we are here for you. With a current membership of 5,924 and total assets amounting to $74,777,041, we have maintained steady growth thanks to the trust placed in us by our members. Our mission is not just about banking; it's about building relationships and providing support where it's needed most. We focus on empowering individuals and families with reliable financial products that promote stability and growth. While members can visit us at 5525 Us Highway 93 N, official correspondence should be sent to PO Box 937, Florence, MT 59833. This ensures that your inquiries are handled promptly and efficiently. Our commitment extends beyond just financial services. We believe in giving back to the community that supports us. Through various partnerships and outreach initiatives, we strive to improve the lives of those around us. From sponsoring local events to supporting educational programs, we are dedicated to making a positive impact in Florence and the surrounding areas. In this digital age, we've also embraced technology while ensuring accessibility for all. Our services include online banking, mobile payments, and ATMs available for your convenience. Additionally, we offer drive-thru banking for quick transactions without leaving your vehicle. As we look toward the future, our focus remains on enhancing member experience through innovative solutions while keeping the heart of our mission alive community support and financial empowerment. Join us at Ravalli County Federal Credit Union today! Experience firsthand how we can help you achieve your financial goals while being part of a supportive community. For more information or to open an account, visit our website or give us a call at 406-363-4631. Together, let's build a brighter financial future!

Branch Location & Accessibility

Connect With Us

At Ravalli County Federal Credit Union, we're more than just a financial institution; we're part of the community. If you have questions or want to learn more about what we offer, don't hesitate to call us at 406-363-4631. We invite you to stop by and see how we can help make your banking experience easier and more rewarding!

Nearby Landmarks and Accessibility

Our branch is close to notable spots like the beautiful Bitterroot River and the charming downtown area of Florence. This central location makes us accessible for all residents in Ravalli County. When visiting, you'll find ample parking available right outside the entrance, along with features designed to accommodate everyone, including ADA-compliant ramps for easy access.

Operating Hours and Services

We're here for you during convenient hours: Tuesday through Friday from 10:00 AM to 7:00 PM and Saturday from 9:00 AM to 3:00 PM. Whether you need help with personal banking, auto loans, or even business services, our team is ready to assist you with a smile. In addition to our lobby services, we offer drive-thru banking for quick transactions like deposits and withdrawals. Plus, our ATM is available for cash withdrawals and balance checks whenever you need it.

Member Eligibility

At Ravalli County, we believe that everyone deserves a supportive community to help them thrive. Joining us as a member is simple and welcoming! If you live, work, worship, or attend school in Ravalli County, you're already eligible to become part of our family. Our members enjoy fantastic benefits, including personalized service and access to a wide range of financial products tailored just for you. For the most up-to-date details on eligibility, feel free to visit our website. Ready to take the next step? Opening an account with us is a breeze! Just head over to https://loans.itsme247.com/376/home/start and follow the easy instructions. If you have any questions or need assistance, don't hesitate to call us at (406) 363-4631. We can't wait to welcome you into the Ravalli County community at 5525 Us Highway 93 N Florence Mt 59833!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $5 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $321,804, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services simplify transactions so you can focus on what matters most running your business. From credit card processing to online payment solutions, our services ensure you can accept payments easily and securely. Whether you're a café serving morning coffee or a retail store offering unique products, we provide the tools you need for smooth transactions. Located at 5525 Us Highway 93 N Florence Mt 59833 in Florence, MT, we're ready to partner with you on your journey toward success. Contact us today at (406) 363-4631 to learn more about how our business banking solutions can support your goals!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash on the go? Our ATM & Cash Withdrawal Services ensure that you have access to funds whenever necessary. With ATMs located conveniently throughout the area and basic drive-thru banking available for deposits and withdrawals, we've got you covered. At Ravalli County, we strive to make banking not just a transaction but a relationship built on trust and understanding. If you're interested in learning more about how we can serve your financial needs or if you'd like assistance with any of our services, don't hesitate to reach out! Call us at (406) 363-4631 or visit us at Ravalli County Federal Credit Union today!

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, our Auto Loans & Vehicle Financing options can help get you on the road quickly and affordably. We provide competitive rates and flexible terms so that you can find the perfect loan that fits your budget. Picture yourself driving off in your dream car, knowing you've made a smart financial decision.

Business Banking

For local entrepreneurs and businesses, our Business Banking services include merchant services and business loans aimed at helping you grow and succeed. Whether you're starting a new venture or expanding an existing one, we're committed to supporting local businesses in our community.

Credit Cards with Rewards

Our Credit Cards with Rewards program allows you to earn points on everyday purchases points that can be redeemed for travel, merchandise, or cash back! Imagine earning rewards just by using your credit card for groceries or gas; it's an easy way to maximize your spending power while enjoying benefits along the way.

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll ever make, and we're here to support you through it with our Mortgage Loans & Refinancing services. Whether you're purchasing your first home or looking to refinance an existing mortgage for better rates, we have personalized solutions ready for you. Our team will guide you through the process, making it as smooth as possible.

Online & Mobile Banking

In today's fast-paced world, convenience is key. That's why we offer robust Online & Mobile Banking features that let you manage your accounts from anywhere. With mobile payments and person-to-person transfers available at your fingertips, staying on top of your finances has never been easier.

Personal Banking

We understand that managing your money can sometimes feel overwhelming. That's why we offer Personal Banking services, including checking and savings accounts tailored to fit your lifestyle. Imagine having a checking account that helps you track your spending or a savings account that earns you interest as you prepare for future goals like a vacation or a new car.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, which is why we offer Personal Loans & Debt Consolidation options. If you're feeling overwhelmed by debt, consolidating it into one manageable payment could simplify your finances. We're here to help you explore these options and find a solution that eases your financial stress.

Digital & Online Banking

Key Features

One of the standout features is our mobile application, which allows you to bank on the go. Whether you're out running errands or relaxing at home, you'll have the power of banking right in your pocket. You can also set up E-Statements, giving you a paperless way to stay updated on your account activity while helping the environment. Need to send money quickly? Our person-to-person transfers make it easy to send funds to friends and family without needing cash or checks. Plus, with our mobile payments feature, you can pay for goods and services directly from your phone no wallet required! Security is a top priority at Ravalli County. We utilize electronic signature authorization, ensuring that all your transactions are safe and secure. You can trust that your personal information is protected while enjoying the convenience of digital banking. In summary, with tools like online banking, mobile applications, E-Statements, and more, Ravalli County makes managing your finances straightforward and convenient. Join us today and experience how easy banking can be!

Financial Strength

Committed Team

We take pride in having 15 full-time employees and 0 part-time employees who are dedicated to providing exceptional service. Their expertise ensures that our branches are always ready to assist you with any inquiries or transactions.

Growing Member Base

Total Share and Deposit Accounts stand at 11,242, showcasing a strong and growing member base that trusts us with their finances. Additionally, our net shares available for lending and investments amount to $218,043, reflecting our capacity to serve you effectively. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Ravalli County is your trusted partner. Visit us at 5525 Us Highway 93 N Florence Mt 59833 or call (406) 363-4631 to learn more about how we can help you achieve your financial goals.

Lending Capacity

Our lending capacity supports members' financial goals across various sectors with $199 in used auto loans and $53,702,555 in total loans and leases. Furthermore, our ability to generate income is reflected in our $404,627, which enables us to continue offering competitive loan rates and solid financial products for our members.

Member-Centric Savings Options

Members' savings are secured through $7,651,461 in share certificates and $4,983,356 in money market shares, offering stable and rewarding financial growth opportunities. We prioritize our members' needs; with non-member deposits currently at $0, our resources focus on benefiting you through better loan rates and exclusive perks.

Reinvesting for Better Services

With $9,618,927 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. This commitment allows us to support your financial goals effectively.

Solid Financial Foundation

With a net worth of $9,618,927, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 12.86% 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 $1,494,023 in used vehicle loans and $18,317,781 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable used car, our competitive rates and flexible terms can fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $321,804 provide the capital needed to grow and expand. We understand that running a business comes with its own set of financial challenges; that's why we are here to support your ambitions with tailored financing solutions.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $9,547,368, make buying or refinancing simple. We aim to guide you through each step of the process so that you can focus on making your house a home.

Refinancing Options

If you're considering refinancing any existing loans or looking for eligibility options for new ones, our team is ready to assist you. We'll work closely with you to explore how refinancing could benefit your situation. At Ravalli County, we are committed to making your borrowing experience as smooth as possible. For more information about our loan offerings or to discuss which option is right for you, please contact us at 406-363-4631 or visit us at 5525 Us Highway 93 N Florence Mt 59833. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $1,118,418 in loans helping members manage their finances effectively. Enjoy peace of mind with our straightforward credit options that suit your spending habits.

Loan Aggregator

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RAVALLI COUNTY FEDERAL CREDIT UNION - Florence, MT

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