Rocky Mountain Credit Union Helena MT | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Rocky Mountain, your trusted credit union located at 1820 11Th Ave, Helena, MT 59601. Since opening our doors in 1940, we have been dedicated to serving our community with a range of financial services tailored to meet your needs. With over 24,700 members and assets totaling $382,663,361, we pride ourselves on being a cornerstone of financial support and guidance in the Helena area. At Rocky Mountain, we understand that banking is about more than just numbers; it's about relationships. Our commitment to you is reflected in our total deposits of $20,287,660 and robust loan offerings exceeding 13,866 loans and leases. We are here to help you achieve your financial goals, whether you're looking for personal banking options like checking accounts and auto loans or business solutions such as merchant services and business loans. While members can visit us at our branch location, official correspondence should be sent to 3400 N Montana Ave, Helena, MT 59602. Our friendly team, led by CEO Cyrus Malkin and Board President Kristin Bouchard, is here to assist you during our lobby hours from Monday through Friday, 8:30 AM to 5:30 PM. We are proud of our financial strength with a net worth of $33,740,315 and cash reserves of $3,910,378 available for member support. Your trust inspires us to continue improving our services so that we can better serve you. Explore all that Rocky Mountain has to offer by visiting our website at www.rmcu.net or give us a call at 406-449-2680 today! Join us in making the most of your financial journey because at Rocky Mountain Credit Union, we're not just about banking; we're about building lasting relationships with every member of our community.

Branch History & Mission

Our Evolution

From our humble beginnings at 1820 11th Ave, Helena, MT 59601, we have grown into a robust financial institution with total assets exceeding $382 million. This growth is not just about numbers; it reflects our commitment to providing exceptional service and innovative financial solutions tailored to our members' needs. Over the years, we have expanded our offerings to include personal banking services like checking and savings accounts, auto loans, mortgages, and credit cards with rewards. As we evolved, so did our technology. Our digital platforms now allow members to access their accounts online or through our mobile application with ease. We prioritize accessibility and strive to ensure that everyone can benefit from our services, including those with disabilities.

Our Mission

At Rocky Mountain, our mission is clear: we are dedicated to empowering our members financially while fostering a strong sense of community. We believe that when individuals succeed financially, it strengthens the entire community. We are not just a bank; we are your partners in achieving your financial goals. This commitment drives us to provide excellent customer service alongside competitive rates on loans and savings products. Our branch operates Monday through Friday from 8:30 am to 5:30 pm, making it convenient for you to visit us whenever you need assistance. For those on the go, we offer an ATM for quick transactions and drive-thru banking for added convenience. We also engage actively with local organizations and initiatives that uplift our community. By partnering with schools and charities, we give back and help create opportunities for everyone in Helena. While members can visit us at 1820 11Th Ave Helena Mt 59601, official correspondence should be sent to 3400 N Montana Ave, Helena, MT 59602 if different from the branch address. Join us at Rocky Mountain experience firsthand how we can assist you in achieving your financial dreams while being part of a supportive community. Contact us today at (406) 449-2680 or visit us online at Rocky Mountain Credit Union to learn more about what we offer!

Branch Location & Accessibility

Convenient Access and Features

At the Rocky Mountain 11th Avenue Branch, we prioritize accessibility for all our members. Our building features ADA-compliant entrances and ramps, ensuring everyone can easily access our services. Plus, we offer ample parking right outside the branch for your convenience. Our operating hours are designed to fit your busy schedule. We're open Monday through Friday from 8:30 AM to 5:30 PM. This means you can visit us during your lunch break or after work whenever suits you best!

Get in Touch!

We invite you to stop by and see how we can assist you with your financial goals! Feel free to give us a call at 406-449-2680 if you have any questions or need assistance before your visit. Our team is here to help make your banking experience as smooth and enjoyable as possible. We look forward to seeing you soon at the Rocky Mountain 11th Avenue Branch!

Services Tailored for You

We provide a range of services that cater to both personal and business banking needs. From checking and savings accounts to auto loans and mortgage refinancing, we've got you covered. If you're looking for quick cash withdrawals or simple transactions, our drive-thru service makes banking even more convenient. Additionally, we offer ATM services on-site so you can access cash whenever you need it without any hassle.

Member Eligibility

At Rocky Mountain, we believe that becoming a member means joining a caring community focused on your financial well-being. If you're looking to enjoy the benefits of personalized banking, you might be wondering if you qualify for membership. Generally, anyone who lives, works, or worships in the Helena area is eligible to join us. This includes individuals and their families, making it easy for you to take part in our supportive network. For more detailed information about eligibility requirements, feel free to check out our resource at . Joining Rocky Mountain opens up a world of advantages tailored just for you. From competitive interest rates on loans to various savings options, we offer services designed with your needs in mind. Plus, the process of opening an account is straightforward and welcoming. If you're ready to take the next step, simply give us a call at (406) 449-2680, and our friendly team will guide you through everything you need to know about becoming a member and opening your account!

Business Banking & Commercial Services

Merchant Services That Make a Difference

Imagine seamlessly processing customer payments while managing your cash flow efficiently. Our merchant services enable you to accept payments quickly and securely, allowing you to focus on what you do best running your business. From point-of-sale solutions to online payment options, we provide tools that enhance customer experiences and streamline operations. Visit us at 1820 11Th Ave Helena Mt 59601 in Helena, MT, or give us a call at (406) 449-2680. Let's work together to help your business thrive!

Tailored Loan Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $147 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $9,814,690, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessibility Options

Visiting us in person is easy too! Our branch at 1820 11Th Ave Helena Mt 59601 features basic Drive-Thru Banking for quick transactions like deposits and withdrawals without having to leave your car. For those who prefer ATM access, we have basic functionalities available such as balance checks and cash withdrawals. At Rocky Mountain, we strive to make banking simple and accessible for everyone. If you'd like more information about any of our services or want to speak with someone directly, give us a call at (406) 449-2680 or visit us online at 11th Avenue Branch. We're here to assist you in achieving your financial goals!

Auto Loans & Vehicle Financing

If you're ready to hit the road with a new car or truck, look no further! We offer competitive Auto Loans & Vehicle Financing options that allow you to drive away in the vehicle of your dreams without breaking the bank. Imagine cruising down the highway knowing you got a great deal!

Business Banking

For our entrepreneurial members, we offer tailored Business Banking solutions, including essential Merchant Services & Business Loans that empower you to grow and manage your business efficiently. With our support, you can focus more on what matters running your business while we take care of your banking needs.

Convenient Digital Services

In today's fast-paced world, convenience matters. That's why we provide robust Online & Mobile Banking services that allow you to access your accounts anytime, anywhere. Whether you're checking balances, transferring funds, or paying bills, everything can be done at your fingertips. And don't forget about our ATM and cash withdrawal services; they are available for easy access whenever you need cash.

Home Financing

Buying a home is one of the biggest decisions you'll make in life. Our Mortgage Loans & Refinancing services are designed to guide you through this process smoothly. Whether you're purchasing your first home or looking to refinance an existing mortgage for better rates, our team is here to help you every step of the way.

Personal Banking

We understand that managing personal finances can be challenging. That's why our offerings include Checking & Savings Accounts that help you keep your money secure while also earning interest. Need funds for an unexpected expense? Our Personal Loans & Debt Consolidation options can provide quick relief and help streamline your payments. Plus, our Credit Cards with Rewards let you earn points on every purchase, making it easy to treat yourself while managing your budget.

Digital & Online Banking

Key Features of Our Online Services

Our online banking service provides you with 24/7 access to your accounts, allowing you to check balances, transfer funds, and pay bills without stepping foot outside your home. You can easily manage all your financial tasks in one place. Plus, our electronic signature authorization feature makes it easy for you to sign documents securely and quickly, so you can get things done without the hassle of paperwork. For those who prefer a more mobile experience, our user-friendly mobile application is available for download, enabling you to handle your banking on the go. While we currently don't support mobile payments, we do offer person-to-person transfers, making it easy to send money to friends or family directly from your phone.

Stay Organized with E-Statements

To help you keep track of your finances efficiently, we provide e-statements that allow you to view your account statements electronically. This not only saves paper but also makes it easier for you to manage your records. You can access past statements whenever needed, right from the comfort of your home. At Rocky Mountain, we prioritize the security of your information. Our online banking services are protected with advanced security measures so that you can have peace of mind while accessing your financial information. With our digital and online banking options, handling your finances has never been easier or more secure! Whether you're at home or on the move, we've got you covered every step of the way.

Financial Strength

Commitment to Growth and Support

With $28,390,133 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. We support your financial goals across various sectors with $2,412 in used auto loans and $264,452,699 in total loans and leases. Our $1,611,552 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 74 full-time employees and 4 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Growing Together

We currently manage a total of 50,314 share and deposit accounts, showing a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments stand at $7,713,329, reinforcing our commitment to providing valuable services to you. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Rocky Mountain is your trusted partner. Visit us at 1820 11Th Ave Helena Mt 59601 or call (406) 449-2680 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Your savings are secured through $91,111,017 in share certificates and $89,986,697 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.

Solid Financial Foundations

With a net worth of $33,740,315, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $880 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 $29,189,067 in used vehicle loans and $56,073,339 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, our dedicated team will work with you to find the perfect loan that fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $9,814,690 provide the capital needed to grow and expand your enterprise. We understand the unique challenges faced by businesses today and are here to support you with tailored financing solutions. At Rocky Mountain Credit Union, we believe in empowering our members through accessible financial solutions. Whether you're looking for a personal loan or refinancing options for any of our products, 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. Visit us today or check out our website for more information on how we can assist you!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $38,124,654, make buying or refinancing simple. We provide personalized service to ensure you understand your options and are comfortable with your decision.

Unsecured Credit Card Loans

Managing day-to-day expenses can sometimes be challenging. We also offer flexible terms on unsecured credit card loans, with a total of $7,999,987 in loans helping members manage their finances effectively. With our credit card options, you can enjoy rewards while making purchases that fit your lifestyle.

Loan Aggregator

Accurate Loan 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 institutions, LendMesh guarantees that the information presented is both current and trustworthy.

Benefits of Using LendMesh

Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. Users can trust that the comparisons they see reflect real opportunities available in the market. No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. This means every lender is treated equally, allowing users to compare rates without any hidden agendas. Real-Time Rate Comparisons: With up-to-date loan rates from multiple institutions, users can quickly identify which options best suit their financial situation. This dynamic approach helps ensure that users have the most relevant information at their fingertips. 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!" Such testimonials highlight the effectiveness of this tool in simplifying the decision-making process. Compare real-time loan offers today at 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.*

ROCKY MOUNTAIN CREDIT UNION