The Morning Star Credit Union Lame Deer MT

Introduction

Welcome to The Morning Star, your trusted credit union located at 509 Cheyenne Avenue South, Lame Deer, MT 59043. Since our establishment in 2022, we have proudly served our community with a commitment to providing exceptional financial services tailored to the needs of our members. With over 1,563 members and a solid foundation of $2,202,273 in total assets, we are dedicated to fostering financial growth and stability for individuals and families in Lame Deer and beyond. At The Morning Star, we understand that financial decisions can be overwhelming. That's why our friendly team is here to help you navigate your options with confidence. Our CEO, Sharon Small, along with Board President June Beartusk, lead a passionate staff of six employees who are committed to ensuring that every member feels valued and supported. We take pride in our strong financial standing, boasting total deposits of $3,029,910 and net worth of $544,189. We aim to empower our members through responsible lending practices, offering a range of loans and services that meet diverse needs currently managing a total of 385 loans and leases. While members can visit us at our branch location for ATM services and basic access needs, any official correspondence should be sent to our mailing address: PO Box 955, Lame Deer, MT 59043. If you're ready to take the next step toward your financial goals or simply have questions about your options, don't hesitate to reach out! Call us at 406-477-8411 or visit our website at tmsfcu.com for more information. Join us today as we continue our mission of building lasting relationships within the community through trust and excellence in service!

Branch History & Mission

Welcome to The Morning Star, a credit union that has become a beacon of support and service in Lame Deer, Montana. Since opening our doors in 2022, we have been dedicated to fostering financial well-being for our members and the community. Located at 509 Cheyenne Avenue South, our branch is easily accessible and situated near local landmarks, making it a familiar stop for many. At The Morning Star, we believe that everyone deserves access to reliable financial services. Our mission is simple yet profound: to empower our members through personalized banking solutions while actively contributing to the growth and prosperity of our community. With over 1,563 members and assets totaling $2,202,273, we are proud to play a vital role in improving the financial lives of those we serve. Our commitment goes beyond just banking. We strive to create meaningful partnerships within Lame Deer and surrounding areas. Through various outreach efforts, we aim to support local initiatives that enhance community spirit and resilience. As we grow, so does our dedication to ensuring that everyone has the resources they need to thrive. While you can visit us at 509 Cheyenne Avenue South, official correspondence should be directed to PO Box 955, Lame Deer, MT 59043. We understand the importance of being accessible and accommodating; that's why our operating hours are designed with your needs in mind: open from 9 a.m. to 5 p.m. MST. In today's digital age, The Morning Star is also focused on enhancing member experience through technology. We offer ATM services for easy access to your funds. Though we currently do not have drive-thru banking or online banking features available, we are continually exploring options that will allow us to serve you better. We invite you to join us at The Morning Star where you can enjoy the benefits of personalized service and community-focused banking. Together, let's build a brighter financial future for everyone in Lame Deer! For more information or assistance, please call us at 406-477-8411. Your journey towards financial empowerment starts here!

Branch Location & Accessibility

Accessibility Features

At The Morning Star, we understand the importance of accessibility. Our location complies with ADA standards, featuring ramps and clear pathways to ensure everyone can visit us comfortably. Parking is readily available, so you won't have to worry about finding a spot when you come by.

Call to Action

Ready to experience personalized service? Feel free to drop by or give us a call at 406-477-8411. The Morning Star is here to help you navigate your financial journey with ease and comfort. We look forward to seeing you soon!

Operating Hours and Services

Our doors are open from 9 a.m. to 5 p.m. MST, allowing you ample time during the week to take care of your banking needs. We offer ATM services for quick withdrawals and balance checks perfect for those on the go! Unfortunately, we do not have drive-thru banking available at this location.

Member Eligibility

At The Morning Star, we believe that everyone deserves a chance to be part of a caring and supportive community. Becoming a member is simple and welcoming, as we open our doors to individuals who live, work, or worship in the Lame Deer area. Whether you're looking for financial guidance or a place to grow your savings, our membership offers you access to a variety of services tailored just for you. To see if you qualify, please check out the detailed eligibility criteria at . Once you're ready to join us at our branch located at 509 Cheyenne Avenue South Lame Deer Mt 59043, opening an account is just a step away! You can reach out to us at (406) 477-8411 for any questions or visit our website for more information on how to get started. We can't wait to welcome you into the The Morning Star family!

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 $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to our loan offerings, we provide essential merchant services designed to simplify your operations. Imagine having a reliable partner that streamlines your payment processing, allowing you to focus on what matters most growing your business. Our services can help improve cash flow and enhance customer satisfaction. At The Morning Star, we're not just a bank; we're your partner in success. Whether you're looking for funding or efficient payment solutions, our team is here to assist you every step of the way. Reach out today at (406) 477-8411 to learn more about how we can support your business aspirations!

Comprehensive List Of Services

Accessing Financial Support

We understand that everyone has different financial needs. Our friendly team is always ready to assist you with questions about your account or how to utilize our ATM services effectively. If you find yourself needing more personalized assistance, don't hesitate to reach out via phone at 406-477-8411 during our operating hours from 9 a.m. to 5 p.m. MST.

Banking Services That Fit Your Lifestyle

In today's fast-paced world, convenience is key. That's why we offer ATM services only at our branch, allowing you to easily access your funds whenever you need them. You can withdraw cash and check your balance hassle-free. If you're on the go or simply prefer the ease of digital banking, our ATM services provide a reliable option for everyday banking tasks.

Community Commitment

At The Morning Star, we're not just about transactions; we're about building relationships within the community. We believe in empowering our members through financial education and support. Our commitment extends beyond banking services as we strive to enhance the overall financial well-being of every individual who walks through our doors. If you're interested in learning more about how we can support your financial journey, visit us at 509 Cheyenne Avenue South, Lame Deer, MT 59043, or give us a call at 406-477-8411 today! Join us and experience the difference with The Morning Star where your financial success is our priority!

Digital & Online Banking

Accessibility and Convenience

Although we don't provide e-statements, mobile payments, or person-to-person transfers yet, our members enjoy 24/7 access to their accounts through our online platform. This means you can manage your finances when it's most convenient for you whether that's early in the morning or late at night.

Key Services

While we currently don't offer features like mobile applications or electronic signatures, we do prioritize your security and ease of use in all transactions. Our online banking services are designed to keep your information safe while allowing you real-time access to your accounts. Whether you're checking your balance or reviewing recent transactions, you can do it all with confidence.

Your Financial Management Made Simple

With The Morning Star, you can count on straightforward account management without the hassle of complex processes. We aim to make banking easy so you can focus on what truly matters in life. If you have any questions about our digital services or how we can assist you further, feel free to reach out! Your financial well-being is our top priority.

Financial Strength

Growing Trust

Total Share Accounts: 2,402, show a strong and growing member base that trusts us with their finances. This growth strengthens our community ties and enhances our ability to serve you better. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, The Morning Star is your trusted partner. Visit us at 509 Cheyenne Avenue South Lame Deer Mt 59043 or call (406) 477-8411 to learn more about how we can help you achieve your financial goals.

Investment in Our Future

With $112,077 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to supporting your financial goals is evident with $418,950 in total loans and leases available for various needs.

Member-Centric Savings

Members' savings are secured through $125,715 in share certificates, 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 $432,112 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 4 full-time employees and 2 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Health

With a net worth of $544,189, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $2,471 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? While we currently do not have any new or used vehicle loans available, our auto loans typically offer competitive rates that make financing your next vehicle easier. We aim to provide flexible terms that fit your budget and lifestyle.

Credit Lines and Unsecured Credit Cards

For those looking for financial flexibility, we typically offer credit lines with a total limit of $50,000. Additionally, our unsecured credit card loans help members manage their finances effectively. While we currently do not have any unsecured credit card loans available, they often come with flexible terms designed to fit your needs. At The Morning Star, we're committed to providing clear and accessible financial solutions tailored for our community. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. If you have questions about refinancing or eligibility for future loan offerings, don't hesitate to ask during your visit or call us directly. We look forward to helping you find the right loan product that suits your needs!

Mortgage Loans

Thinking about homeownership? Currently, we don't have mortgage options available. However, when they are offered, our mortgage options would include Junior Lien 1-4 Family Residential Properties loans to make buying or refinancing simple and straightforward.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data 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 to verified information guarantees that users receive fair and transparent offers without hidden fees or misleading terms.

Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users can access up-to-date loan rates from multiple institutions, enabling informed decision-making. 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!" 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.*

THE MORNING STAR FEDERAL CREDIT UNION