Richland Credit Union Culbertson MT | Affordable Auto Loans & Business Banking

Introduction

Welcome to Richland Federal Credit Union, your trusted partner in financial wellness since 1939. Located at 18 2Nd East, Culbertson, MT 59218, we are proud to serve a vibrant community of over 4,952 members. Our commitment to your financial success is reflected in our strong financial foundation, boasting total assets of $105,737,284 and total deposits reaching $4,581,776. At Richland Federal Credit Union, we understand that each member has unique needs. Whether you're looking for an auto loan or want to explore mortgage options, our friendly team is here to provide personalized service tailored just for you. With a net worth of $16,444,196 and cash on hand amounting to $898,217, we are well-equipped to help you achieve your financial goals. While members can visit us at our branch location, official correspondence should be sent to our mailing address: PO Box 479, Culbertson, MT 59218. Our dedicated staff of 14 employees, led by CEO Korey Hagan and Board President Beth Redlin, is always available during our lobby hours from Monday to Friday, 9 AM to 3 PM. We believe in empowering our members through education and support. Explore our wide range of services including personal banking accounts, business loans, and online banking options designed for your convenience. Join us today and experience the difference at Richland Federal Credit Union! For more information or inquiries, feel free to call us at 406-787-5890 or visit our website at richlandfcu.com. We look forward to serving you!

Branch History & Mission

Richland Federal Credit Union, located at 18 2Nd East in Culbertson, MT, has a rich history that spans over eight decades. Established in 1939, our credit union was born from a vision of community support and financial empowerment. Since then, we have grown from a small group of dedicated members into a thriving institution that proudly serves nearly 5,000 members today. Our mission is clear: to provide exceptional financial services while enhancing the lives of our members and supporting the community. We believe that everyone deserves access to quality financial products and education, which is why we offer a variety of services tailored to meet individual needs. From checking and savings accounts to auto loans and mortgages, our offerings are designed to help our members achieve their financial goals. Over the years, Richland has seen significant growth and development. With total assets now exceeding $105 million, we have made substantial investments in both our services and technology. While we may not have ATMs or drive-thru banking facilities at this branch, our commitment to accessibility remains strong with shared service center availability. Our operating hours are Monday through Friday from 9 AM to 3 PM, ensuring our members can visit us conveniently. Culbertson is not just where we operate; it's where we belong. Situated in Roosevelt County, near the beautiful landscapes of Montana, we're proud to be part of this vibrant community. Members can easily find us next to local landmarks that reflect the spirit of our town. While official correspondence can be sent to PO Box 479 in Culbertson if needed, visiting us in person allows for meaningful conversations about your financial journey. We're also focused on digital advancements with online banking options available for those who prefer managing their finances from home. At Richland Federal Credit Union, we embrace partnerships within the community and engage in outreach programs aimed at uplifting those around us. Our initiatives go beyond just banking; they're about fostering relationships and building a better future together. Join us today and experience the benefits of being part of a credit union that truly cares about its members and their aspirations. At Richland Federal Credit Union, you're not just another account; you're part of our family. Let's grow together! For more information or assistance, feel free to contact us at 406-787-5890 or visit our website at richlandfcu.com.

Branch Location & Accessibility

Accessibility Features

We understand that accessibility matters. Our branch is designed with features that accommodate all members of the community. From ADA-compliant entrances to ample parking spaces, we aim to make your visit as convenient as possible.

Connect With Us

Have questions? We're here to help! Give us a call at 406-787-5890 or visit our website at Richland Federal Credit Union for more information. We look forward to welcoming you into our branch soon!

Operating Hours

Our doors are open Monday through Friday from 9 AM to 3 PM, allowing you plenty of time throughout the week to stop by. We strive to be available when you need us most!

Services Offered

At Richland Federal Credit Union, we offer a variety of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. If you're a business owner, you'll also find our merchant services and business loans helpful for managing your finances. While we don't have ATM or drive-thru services at this location, we do participate in shared service centers for basic transactions like deposits and withdrawals for partner credit union members.

Member Eligibility

Welcome to the Richland family! Becoming a member of Richland is not just about opening an account; it's about joining a supportive community that truly cares about your financial well-being. If you live, work, worship, or attend school in our service area, you're likely eligible to become a member. This means that whether you're a lifelong resident or new to the area, there's a good chance you can join us and start enjoying all the benefits we offer, from personalized service to competitive loan rates. To check out the detailed eligibility criteria, feel free to visit our website. Opening an account with us is simple and straightforward. Just give us a call at (406) 787-5890, and one of our friendly team members will guide you through the process. We're here to help make your banking experience as easy as possible. Join us at Richland, located at 18 2Nd East Culbertson Mt 59218, and take the first step toward securing your financial future with a credit union that puts its members first!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $196 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $30,064,786, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services are designed to streamline your payment processes. Imagine being able to accept payments quickly and securely whether it's through credit cards or digital wallets allowing you to focus on what really matters: growing your business. With our services, you can manage transactions efficiently, ensuring a smooth experience for both you and your customers. Visit us at 18 2Nd East Culbertson Mt 59218 in Culbertson, MT, or give us a call at (406) 787-5890 to learn how we can help your business thrive!

Comprehensive List Of Services

Business Banking Services

For local entrepreneurs and businesses, Richland provides robust business banking solutions including merchant services and business loans. We recognize the hard work that goes into running a business and are here to support your growth with financial products designed specifically for business owners.

Credit Cards with Rewards

For those who love rewards, our credit cards offer perks that go beyond just making purchases. Imagine earning points every time you swipe your card; it's like getting rewarded for the things you already buy!

Digital Banking Convenience

In today's fast-paced world, having access to online and mobile banking is essential. At Richland, we make it easy for you to manage your finances anytime, anywhere. From checking balances to transferring funds between accounts, our digital banking features ensure that you have control over your money at your fingertips.

Home Financing Solutions

Thinking about buying a home? Our mortgage loans and refinancing options are structured to meet your specific needs. We understand that purchasing a home is one of the biggest decisions you'll make, so our experienced team is ready to guide you through every step of the process.

Personal Banking

When it comes to personal banking, Richland offers various checking and savings accounts designed to fit your lifestyle. Whether you're saving for a rainy day or managing daily expenses, our accounts come with features that make transactions simple and straightforward. Plus, if you're dreaming of a new car or need some extra cash, we provide auto loans and vehicle financing tailored to help you hit the road with confidence.

Personal Loans

Life can throw unexpected expenses your way. That's where our personal loans and debt consolidation services come in handy. Whether it's covering medical bills or funding a special project, we offer flexible loan terms to help ease your financial burdens.

Shared Branching

We also participate in shared branching services which allow members from partner credit unions to conduct basic transactions like deposits and withdrawals right here at our branch. This added convenience means that even when you're away from home or traveling, accessing your funds is still hassle-free. If you're looking for personalized service backed by community values, visit us at Richland Federal Credit Union or give us a call at 406-787-5890. Our friendly staff is eager to assist you in achieving all your financial goals! Explore more about our offerings by visiting our website today!

Digital & Online Banking

Key Features for Your Convenience

Our online banking experience is enhanced by features like person-to-person transfers, allowing you to send money to friends or family quickly and securely. This makes splitting bills or sending gifts a breeze! While we currently do not support mobile payments, our dedicated mobile application ensures that you can manage your accounts on the go. For those who prefer digital statements, Yes are available to help you stay organized and reduce paper clutter. You'll receive notifications when your statements are ready, making it easy to keep track of your finances without the hassle of physical paperwork.

Security Matters

We prioritize the security of your information. Our systems use advanced encryption technology to protect your data while giving you peace of mind as you bank online. Although we do not offer electronic signature authorization at this time, rest assured that every transaction is monitored for safety. At Richland, we're committed to making banking straightforward and secure for all our members. Experience the freedom of managing your finances from home or while out and about explore our digital services today!

Financial Strength

Member-Centric Approach

Members' savings are secured through $10,055,248 in share certificates and $1,518,225 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 operational efficiency is highlighted by our $364,370, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 13 full-time employees and 1 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting in Your Future

With $14,820,658 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 $443 in used auto loans and $46,717,162 in total loans and leases. This supports our members' financial goals across various sectors.

Strong Financial Health

With a net worth of $16,444,196, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 15.53% demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trustworthy Partnership

Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Richland is your trusted partner. Visit us at 18 2Nd East Culbertson Mt 59218 or call (406) 787-5890 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 $6,550,771 in used vehicle loans and $2,386,975 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates, making it easier than ever to drive away with the vehicle you want.

Business Financing

For business owners, our outstanding commercial loans totaling $30,064,786 provide the capital needed to grow and expand. We understand that managing a business comes with its own set of challenges, which is why we're committed to offering tailored solutions that suit your unique needs.

Eligibility and Refinancing Options

If you're interested in refinancing your existing loans or exploring eligibility options for any of our products, we encourage you to reach out. Our team will be happy to discuss potential savings and how we can assist you in optimizing your financial situation. To learn more about our loan offerings or to get started on your application, please visit us at 18 2Nd East Culbertson Mt 59218, Culbertson, MT, or give us a call at (406) 787-5890. We're here to help! Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $691,971, make buying or refinancing simple. We work closely with you to find the best mortgage solution that fits your budget and future plans.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $0 in loans helping members manage their finances effectively. With no collateral required, these cards are perfect for unexpected expenses or everyday purchases.

Loan Aggregator

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This commitment ensures that users receive fair and transparent offers. By relying on verified financial institutions, LendMesh maintains a high standard of accuracy in its loan comparisons.

RICHLAND FEDERAL CREDIT UNION - Culbertson, MT

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