Trail through a wildflower meadow with pine trees and mountains in the distance at sunrise.

Open an Account

Your Financial Journey Starts Here—At the Trailhead.

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It’s Time for a Financial Institution that Puts Your Needs First

We’re only in this credit union game because of you—when you succeed, we all do. By providing low rates, fewer fees, and local service, we’re proud to do what most big banks can’t.

Enjoy the Perks of Membership

When you become a Montana Credit Union member, you get access to:

Computer

Easy Digital Banking

Manage your finances anytime, anywhere with our easy online and mobile banking.

No Fees

Fee-Free ATMs

We partner with the CO-OP Network to bring you access to over 30,000 surcharge-free ATMs nationwide.

House

Local Branches

Enjoy personalized service and local care at one of our four branches.

Speech Bubbles

Personalized Accounts

Choose from a variety of account options, ensuring you get the services you need to succeed.

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Why Join Montana Credit Union?

We do more than manage accounts. We’re here to guide you through your financial journey–whether you’re saving for your first home or just starting out. Here’s what sets us apart:

Built on Montana Values

With deep roots in our community, we’re proud to reflect the resilience, hard work, and care that defines Montana.

Exterior of Montana Credit Union building at sunrise with purple accent lighting and a colorful pink and orange sky.

Banking with a Purpose

Every dollar you deposit helps support local businesses, strengthen communities, and fund opportunities for your neighbors. Together, we’re building the future we want to see.

Four smiling adults stand in front of a yellow school bus, posing with boxes and bags filled with donated supplies. The two women on the right wear matching blue polo shirts with a logo, while the woman on the left wears a teal shirt and gray cardigan, and the man wears a black polo. The scene takes place outdoors on a cloudy day, with trees and pavement in the background.

Modern Technology with a Local Feel

Enjoy the convenience of digital banking while receiving personalized service from people who know and care about you.

A woman sits in her car at a Montana Credit Union drive-up interactive teller machine. The screen displays a live video chat with a credit union representative. The PTM is framed with a bright purple background and the Montana Credit Union logo above it.

Inclusive and Welcoming

No matter where you come from, your dreams, or your aspirations, there’s a place for you here. We’re proud to serve and guide every member of our Montana community with integrity.

Montana Credit Union employee standing at a teller station, smiling while wearing a teal uniform with the credit union logo.

We’re Glad You’re Here

Join Montana Credit Union

Who Can Join?

Most Montanans are eligible to join Montana Credit Union. Check out the list below to see if your county is in our field of membership.

  • Beaverhead, MT
  • Big Horn, MT
  • Blaine, MT
  • Broadwater, MT
  • Carbon, MT
  • Cascade, MT
  • Chouteau, MT
  • Deer Lodge, MT
  • Fergus, MT
  • Flathead, MT
  • Gallatin, MT
  • Garfield, MT
  • Glacier, MT
  • Golden Valley, MT
  • Granite, MT
  • Hill, MT
  • Jefferson, MT
  • Judith Basin, MT
  • Lake, MT
  • Lewis & Clark, MT
  • Liberty, MT
  • Lincoln, MT
  • Madison, MT
  • Meagher, MT
  • Mineral, MT
  • Missoula, MT
  • Musselshell, MT
  • Park, MT
  • Petroleum, MT
  • Phillips, MT
  • Pondera, MT
  • Powell, MT
  • Ravalli, MT
  • Rosebud, MT
  • Sanders, MT
  • Silver Bow, MT
  • Stillwater, MT
  • Sweet Grass, MT
  • Teton, MT
  • Toole, MT
  • Treasure, MT
  • Valley, MT
  • Wheatland, MT
  • Yellowstone, MT

What You’ll Need To Join

See what you need to open an account below.

Number 1

Open a general member account

What you’ll need:

Current government issued photo ID

Proof of current address (a utility bill works great!)

Proof of social security number

Number 2

Open a Pee Wee (child) Account

For ages 0-12

What you’ll need:

Birth certificate (hospital copy allowed)

Social security card

Child’s signature (if old enough)

Signatures of all parties on account

Number 3

Open a FYI (youth) Account

For ages 13-22

What you’ll need:

Government-issued photo ID (if available) or birth certificate

Social security card

Signatures of all parties on account

Ready to Make the Switch? Open an Account Today

Easily apply online or download our Switch Kit to make sure you have everything you need.

Open an Account