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

Introduction

At Richland Federal Credit Union, we believe in building strong financial foundations for our members and the community. Established in 1939, our credit union has grown alongside the vibrant city of Sidney, MT, and proudly serves nearly 5,000 members from our convenient location at 201 W Holly St, Sidney, MT 59270. Whether you're looking for personal banking solutions or business loans, our dedicated team is here to guide you every step of the way. With a robust total asset value of $105,737,284 and total deposits exceeding $4,581,776, we are committed to fostering financial health for our members. Our CEO, Korey Hagan, along with Board President Beth Redlin, lead our credit union with a focus on community impact and member satisfaction. We understand that banking is not just about numbers; it's about relationships and trust. Richland Federal Credit Union offers a wide range of services including checking and savings accounts, auto loans, mortgage loans, personal loans, and more. With 14 employees dedicated to helping you navigate your financial journey, we ensure that personalized service is always within reach. Plus, with $898,217 in cash readily available and a net worth of $16,444,196, you can trust that your finances are secure with us. While members can visit us at our branch for all their banking needs during lobby hours (M-F 9-4; Sat. 9-noon), official correspondence should be sent to the same address as our branch: 201 W Holly St, Sidney, MT 59270-3626. We invite you to explore the possibilities at Richland Federal Credit Union. Visit us online at richlandfcu.com or give us a call at 406-482-2704 to learn more about how we can help you achieve your financial goals. Together, let's build a brighter future!

Branch History & Mission

Welcome to the heart of community banking at Richland Federal Credit Union, located at 201 W Holly St, Sidney, MT 59270. Established in 1939, our branch has proudly served the financial needs of our members for over eight decades. As we reflect on our journey, we celebrate not just our growth but the lasting relationships we've built within the community. From humble beginnings, Richland Federal Credit Union has evolved into a trusted financial institution with a current membership of 4,952 individuals and total assets exceeding $105 million. We have consistently prioritized the financial well-being of our members, offering services that include checking and savings accounts, auto loans, mortgages, and personal loans. Our commitment is to provide accessible and affordable financial solutions tailored to meet the diverse needs of our community. At Richland Federal Credit Union, our mission is clear: we aim to empower our members by delivering exceptional service while fostering a strong sense of community support. We believe that everyone deserves a chance to thrive financially, which is why we focus on building lasting partnerships and engaging in outreach efforts that make a real difference in people's lives. We understand the importance of convenience in today's world. That's why we offer a range of services designed with our members in mind. With features like online banking and mobile access, you can manage your finances anywhere you go. Our branch also includes an ATM and drive-thru service for those times when you need quick access without leaving your vehicle. Our physical location serves as more than just a banking facility; it's a community hub where individuals come together to share ideas and resources. In addition to traditional banking services, we provide shared service options that allow members from partner credit unions to conduct transactions easily. While you can visit us at 201 W Holly St, all official correspondence should be directed to our mailing address at 201 W Holly St, Sidney, MT 59270-3626. Our dedicated team is here Monday through Friday from 7:45 AM to 5:00 PM and Saturday from 9:00 AM to 12:00 PM, ready to assist you with any inquiries or needs you may have. At Richland Federal Credit Union, we're proud of our history and excited about what lies ahead. Join us as we continue this journey together! Experience firsthand how we can help you achieve your financial goals reach out today or visit us in person. Together, let's build a brighter financial future!

Branch Location & Accessibility

Call to Action

Have questions or want to learn more about how we can assist you? Don't hesitate to reach out! You can call us at 406-482-2704 or stop by our branch at any time during operating hours. We look forward to serving you at Richland Federal Credit Union!

Convenient Access

At Richland, we understand how important accessibility is for our members. Our branch features ample parking and ADA-compliant ramps, ensuring that everyone can access our services without hassle. If you need assistance or have questions during your visit, our friendly staff is always ready to help.

Operating Hours

We want to make banking as convenient as possible for you. Our lobby hours are Monday through Friday from 9 AM to 4 PM, with drive-thru service available earlier from 7:45 AM to 5 PM on weekdays and Saturday hours from 9 AM to noon. This means you can stop by at a time that works best for your schedule!

Services Offered

Richland Federal Credit Union provides a variety of services tailored to meet your needs. From personal banking solutions like checking and savings accounts to auto loans and mortgage options, we aim to support your financial journey. Plus, with ATM availability and drive-thru banking, accessing your funds has never been easier.

Member Eligibility

At Richland, we believe that everyone deserves a chance to be part of a caring financial community. Joining us is easy, and we welcome individuals who live, work, worship, or attend school in our local area. This includes those who are related to current members, so even if you're not directly eligible, you might still find a way in! Being a member at Richland means access to personalized services and competitive rates on loans and savings accounts tailored just for you. Plus, as a member-owned institution, your voice truly matters. To learn more about our eligibility criteria and ensure you meet the requirements, feel free to check out the detailed informati. If you're ready to take the next step toward membership or have any questions, don't hesitate to give us a call at (406) 482-2704. We're here to help you every step of the way!

Business Banking & Commercial Services

Merchant Services Made Simple

Imagine running your business with a payment solution that fits seamlessly into your daily operations. Our merchant services provide easy-to-use tools for processing transactions, so you can focus on what you do best serving your customers. From point-of-sale systems to online payment options, we make it simple for you to accept payments anytime, anywhere. Visit us at 201 W Holly St Sidney Mt 59270 in Sidney, MT or call us at (406) 482-2704 to learn more about how our business banking solutions can support your success. Your growth is our priority!

Tailored 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.

Comprehensive List Of Services

Auto Loans and Financing

Thinking about getting a new car? Our Auto Loans & Vehicle Financing options make it simple and affordable to drive away in the vehicle you want. We provide competitive rates that help you save money while making your dream car a reality.

Business Banking Services

For business owners, we provide specialized support with our Business Banking services, including Merchant Services & Business Loans. We understand the unique challenges you face and are dedicated to helping your business thrive.

Convenient Access Options

At Richland Federal Credit Union, we value accessibility. Our branch features essential services like ATM & Cash Withdrawal Services, as well as a convenient Drive-Thru Banking option for deposits and withdrawals without ever leaving your vehicle. If you're a member of another credit union, take advantage of our Basic Shared Branch Transactions, allowing you to perform deposits and withdrawals seamlessly. With friendly staff ready to assist you at every turn and a commitment to serving the community since 1939, Richland is here for all your banking needs. Ready to learn more about how we can help you achieve your financial goals? Call us today at 406-482-2704 or visit us online at Richland Federal Credit Union. Let's embark on this journey together!

Home Financing Made Easy

If you're ready to buy a home or refinance your existing mortgage, our Mortgage Loans & Refinancing services are here to guide you through every step. With personalized service and clear advice, we ensure you find the right loan that fits your budget and lifestyle.

Personal Banking Solutions

We understand that managing day-to-day finances can be overwhelming. That's why our Personal Banking options include easy-to-use Checking & Savings Accounts designed for convenience and accessibility. Imagine having all your banking needs handled right from your smartphone with our Online & Mobile Banking services. You can check your balances, transfer funds, and even pay bills from anywhere.

Personal Loans for Every Need

Life brings unexpected expenses, and sometimes you need extra cash quickly. Our Personal Loans & Debt Consolidation options are designed to provide quick access to funds when you need them most. Whether it's for medical bills or home repairs, we've got solutions that help ease financial burdens.

Rewarding Credit Cards

Our Credit Cards with Rewards offer great benefits for everyday purchases. Imagine earning points that can be redeemed for travel, merchandise, or cash back just by using your card for regular expenses!

Digital & Online Banking

Easy Online Access

Our online banking services at https://www.richlandfederalcreditunion.com/ allow you to view your account balances, transfer funds, and pay bills with just a few clicks. Whether you're at home or on the go, our 24/7 online banking ensures you have real-time access to your financial information whenever you need it.

Mobile Banking Made Simple

For those who prefer using their smartphones, our mobile application is available for download, making banking even more accessible. Although we don't currently support mobile payments, our app still provides everything else you need for efficient account management right at your fingertips.

Security You Can Trust

We prioritize your security with robust protections in place for all digital transactions. While we do not offer electronic signature authorization at this time, you can rest assured that our systems are designed to keep your information safe. With our commitment to convenience and security, Richland is here to help you navigate your financial journey effortlessly. Experience the ease of modern banking by visiting us online today!

Streamlined Features

Managing your statements has never been easier! We provide e-statements so you can keep track of your finances without the clutter of paper. Plus, if you're ever in a hurry, our person-to-person transfer feature lets you send money to friends and family quickly and securely.

Financial Strength

At Richland, 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 are committed to maintaining the highest standards of financial health to ensure your trust and confidence. 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. 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. 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 supports your financial goals with $443 in used auto loans and $46,717,162 in total loans and leases. Our operational efficiency is reflected in 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. Total Share Accounts stand at 8,611, showcasing a strong and growing member base that trusts us with their finances. This trust is further supported by our Net Shares available for lending and investments amounting to $0. 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 201 W Holly St Sidney Mt 59270 or call (406) 482-2704 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

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 financing options for both new and used vehicles, ensuring that you can drive off with confidence.

Business Loans

For business owners seeking capital to grow and expand, our outstanding commercial loans totaling $30,064,786 provide the necessary resources. Whether you're looking to invest in equipment or expand your operations, our team is here to assist you every step of the way.

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 are here to guide you through each step of the process, offering competitive rates and terms that fit your budget.

Refinancing Options

If you're interested in lowering your monthly payments or consolidating debt, ask us about our refinancing options. We're committed to working with you to find solutions that best meet your financial needs. At Richland Federal Credit Union located at 201 W Holly St Sidney Mt 59270, our goal is to support our community through accessible lending options. For more information about our loan offerings or to discuss eligibility requirements, please call us at 406-482-2704. 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 Richland can help you take the next steps toward achieving your financial goals today!

Unsecured Credit Card Loans

For those looking for financial flexibility, we also offer flexible terms on unsecured credit card loans. Although currently we have no outstanding unsecured credit card loans, we are dedicated to helping members manage their finances effectively when these options become available.

Loan Aggregator

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Ensuring Accurate Loan Comparisons

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RICHLAND FEDERAL CREDIT UNION - Sidney, MT

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