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

Introduction

Welcome to Ravalli County Federal Credit Union, where we prioritize your financial well-being and community connection. Located at 501 N 1st St, Hamilton, MT 59840, our credit union has been serving members since 1969. With a commitment to providing personalized banking solutions, we proudly support 5,924 members with an array of services tailored to meet their needs. At Ravalli County FCU, we understand that trust is built through transparency and reliability. Our total assets stand at an impressive $74,777,041, reflecting our strong foundation and ability to support you in achieving your financial goals. Our dedicated team, led by CEO Darci Parsons and Board President Barrie Smith, works tirelessly to foster a welcoming environment for all members. Together with our 15 employees, we ensure that every visit feels like coming home. Our financial offerings include everything from personal banking accounts to auto loans, mortgage services, and business banking options. We are proud to hold total deposits of $4,487,575 and a net worth of $9,618,927, showcasing our stability in the financial landscape. Whether you're seeking assistance with loans or looking for reliable savings options, we have the resources you need. While you can visit us at our branch location for in-person service, please note that any official correspondence should be sent to our mailing address: PO Box 598, Hamilton, MT 59840. Feel free to reach out via phone at 406-363-4631 for inquiries or assistance. Join us as we continue to strengthen our community through dedicated service and financial empowerment. Explore more about what we offer on our website at ravallicountyfcu.org, or come see us today! Your financial journey starts here!

Branch History & Mission

Looking Ahead

As we move forward, we continue to prioritize innovation while maintaining the values that define us trust, transparency, and service. With convenient operating hours from 9:00 AM to 5:30 PM Monday through Wednesday and extended hours on Thursday and Friday until 6:00 PM, we're here when you need us most. Plus, with ATM availability and drive-thru banking options, accessing your finances has never been easier. We invite you to join us at Ravalli County Federal Credit Union! Experience firsthand how we can help you achieve your financial goals while being part of a supportive community network. Together, let's build a brighter future! For more information or to get started today, please call us at (406) 363-4631 or visit our website at Ravalli County FCU.

Our Journey

Since opening our doors, Ravalli County has been dedicated to providing accessible financial services tailored to the needs of our members. Over the years, we have expanded our offerings and improved our services, always with the goal of enhancing member experience and supporting local growth. As we evolved through the decades, we embraced technological advancements while ensuring that personal connection remains at the heart of what we do. While members can visit us at 501 N 1St St Hamilton Mt 59840, official correspondence should be sent to PO Box 598, Hamilton, MT 59840. Situated near several local landmarks and attractions, our branch is easily accessible for all your banking needs.

Our Mission

At Ravalli County Federal Credit Union, our mission is clear: to empower individuals and families by providing them with the financial tools they need to thrive. We believe in offering not just products but also education and support that foster financial literacy and stability. Whether it's through personal banking services like checking and savings accounts or loans for vehicles and homes, we aim to build lasting relationships within our community. Our commitment extends beyond financial services. We actively engage in community outreach programs that support local initiatives and charitable causes. This dedication helps us create a positive impact in Hamilton and surrounding areas.

Branch Location & Accessibility

Banking Hours Tailored for You

We know that life gets busy! That's why our lobby hours are designed to fit your schedule. We're open Monday through Wednesday from 9:00 AM to 5:30 PM, Thursday from 8:00 AM to 5:30 PM, and Friday from 8:00 AM until 6:00 PM. With these extended hours on Fridays, you can take care of your banking tasks after work without any hassle.

Comprehensive Services at Your Fingertips

Whether you're looking for personal banking options like checking and savings accounts or need help with auto loans and mortgages, Ravalli County Federal Credit Union has you covered. We also provide essential services like ATM access and drive-thru banking for quick deposits and withdrawals. Plus, our online and mobile banking features make managing your finances easier than ever! While members can visit us at our physical location, please note that official correspondence should be sent to PO Box 598, Hamilton, MT 59840. Ready to experience top-notch service? Feel free to call us at 406-363-4631 or come by our branch today! We're excited to assist you with all your financial needs at Ravalli County Federal Credit Union.

Convenient Access for Everyone

At our Hamilton branch, we understand that accessibility is key. We offer ample parking right outside the entrance, and our facilities are ADA-compliant to ensure everyone can visit us comfortably. Whether you're stopping by for a quick transaction or need assistance with more complex banking services, our friendly staff is here to help.

Member Eligibility

Becoming a member of Ravalli County means joining a caring community that prioritizes your financial well-being. If you're looking to enjoy personalized service and a range of financial products tailored to your needs, we welcome you! Membership is open to anyone who lives, works, worships, or attends school in Ravalli County. This inclusive approach allows us to support our local community while providing members with access to excellent banking services. To get started, simply visit us at 501 N 1St St Hamilton Mt 59840, or feel free to give us a call at (406) 363-4631 for any questions you might have about the process. You can also find detailed eligibility criteria on our website at , which will help you understand what it takes to join our family. Once you're ready, opening an account is easy just head over to https://loans.itsme247.com/376/home/start to begin your journey with us!

Business Banking & Commercial Services

Merchant Services that Make Sense

In addition to loans, we offer comprehensive merchant services that simplify transactions for your business. Picture this: you're at a busy market, and a customer wants to buy your product. With our easy-to-use payment solutions, you can accept credit and debit cards on the spot, ensuring you never miss a sale. Located at 501 N 1St St Hamilton Mt 59840 in Hamilton, MT, we're here to help you navigate the financial landscape with confidence. Reach out today at (406) 363-4631 and discover how we can empower your business's growth!

Tailored 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. Imagine having the capital you need to purchase new equipment or hire additional staff, all while knowing that your financial partner is invested in your success.

Comprehensive List Of Services

Accessibility

At Ravalli County, we believe banking should be easy and stress-free. Our branch located at 501 N 1St St Hamilton Mt 59840 is open Monday through Friday with extended hours on Fridays to accommodate your busy schedule. You can reach us at 406-363-4631 for any questions or assistance. We invite you to discover how our services can enhance your financial experience. Join us at Ravalli County Federal Credit Union, where we are dedicated to serving our community's needs with care and commitment. Ready to take the next step? Visit us online at our website or come by the branch today!

Business Services

For local entrepreneurs and business owners, we understand the unique challenges you face. That's why we offer comprehensive Business Banking solutions including merchant services and business loans tailored specifically for small businesses.

Credit Options

Sometimes life brings unexpected expenses, and that's where our Personal Loans & Debt Consolidation options come in handy. You can consolidate your debt into one manageable payment or take out a personal loan for those extra costs. Additionally, our Credit Cards with Rewards provide you with benefits every time you use them perfect for those who love to earn rewards while spending.

Digital Banking Features

In today's fast-paced world, convenience is key. With our Online & Mobile Banking, you can access your accounts anytime, anywhere. Need cash? Our ATM & Cash Withdrawal Services ensure you have easy access to your funds when you need them most. Plus, our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car.

Personal Banking

Starting with personal banking, we offer Checking & Savings Accounts designed to help you manage your everyday expenses and savings goals. For those planning to buy a car, our Auto Loans & Vehicle Financing options come with competitive rates and flexible terms to fit your budget. If homeownership is on your mind, explore our Mortgage Loans & Refinancing services that can make owning a home a reality.

Digital & Online Banking

Convenient Online Banking Services

With our 24/7 online banking, managing your accounts is as easy as clicking a button. Whether you need to check your balance, pay bills, or transfer funds, everything is just a few taps away at https://ravallicountyfcu.org/ . You can also enjoy the benefits of electronic statements, allowing you to access your account statements quickly and securely without the clutter of paper.

Mobile Banking Made Easy

On the go? No problem! Download our mobile application to handle all your banking needs right from your smartphone. With features like mobile payments and person-to-person transfers, sending money to friends or making quick purchases has never been easier. Whether you're at home or out and about, you'll have access to everything you need. Our goal at Ravalli County is to make banking accessible and user-friendly for all members. Experience real-time account management that puts you in control of your finances without any hassle. Join us today and discover how our digital banking services can enhance your financial journey!

Secure Transactions at Your Fingertips

Security is our top priority. Our online banking platform features robust encryption technology to keep your information safe. Plus, with electronic signature authorization available, you can sign documents without having to visit the branch. This means less time spent in line and more time for what matters most to you.

Financial Strength

Growing Together

We believe that growth is a shared journey. With a total of 11,242 share and deposit accounts, it's clear that our member base trusts us with their finances. Net Shares available for lending and investments stand at $218,043, further showcasing our commitment to fostering your financial success. 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 501 N 1St St Hamilton Mt 59840 or call (406) 363-4631 to learn more about how we can help you achieve your financial goals.

Lending Support for Your Goals

With $199 in used auto loans and $53,702,555 in total loans and leases, our lending capacity supports your financial goals across various sectors. Whether you're looking to buy a car or consolidate debt, we're here to help with flexible options tailored to your needs. Our operational efficiency is highlighted by our $0, which allows us to continue offering competitive loan rates and solid financial products for our members. We're proud to employ 15 full-time employees who are ready to assist you with personalized service every step of the way.

Member-Centric Services

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. Unlike traditional banks, we prioritize our members' needs. With non-member deposits at $0, we ensure that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks. Our commitment to our members is reflected in our $9,618,927 in undivided earnings. These funds are reinvested into innovative banking tools, stronger lending options, and enhanced security measures designed to serve you better.

Strong Financial Health

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. This solid foundation ensures that we can continue meeting your financial needs now and in the future. Our net worth ratio of $1,286 demonstrates a robust capital base. This means we have the strength to provide loans, competitive savings rates, and uninterrupted services even during uncertain economic times. You can trust that we are prepared for whatever comes our way.

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, we can assist you with financing that suits your budget.

Business Loans

For business owners looking to expand or invest in their ventures, our outstanding commercial loans totaling $321,804 provide the capital needed for growth. Our team understands the unique challenges businesses face and is ready to support you with tailored lending options.

Credit Lines

Additionally, we offer credit lines up to $5,000,000, allowing for flexibility when unexpected expenses arise or when you're planning larger purchases. If you're considering refinancing any existing loans or unsure about your eligibility for these loan products, our knowledgeable staff is here to help clarify your options and guide you through the application process. 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 how Ravalli County can support your financial journey today! Visit us online at Ravalli County Federal Credit Union for more information.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We provide Junior Lien 1-4 Family Residential Properties loans totaling $9,547,368. Our team can guide you through the process, ensuring you find the right mortgage solution that fits your needs.

Unsecured Credit Cards

We also offer flexible terms on unsecured credit card loans. With a total of $1,118,418 in unsecured credit card loans helping members manage their finances effectively, our credit cards come with rewards and competitive rates to make your spending more rewarding.

Loan Aggregator

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RAVALLI COUNTY FEDERAL CREDIT UNION - Hamilton, MT