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Lincoln County Credit Union

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Lincoln County Credit Union Rates & Review April 2026

Q: Is a member application needed to join Lincoln County Credit Union?

Yes, to access services at Lincoln County Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lincoln County Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 17, 2026

You can compare Lincoln County Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 0.10%, 6-month share certificate rates at 3.90% and 3-month share certificate rates at 4.08%. Savings rates are at 0.03% and money market rates are at 0.01%. Mortgage rates on 30-year fixed loans are around 5.73%. All these rates can be compared to Lincoln County Credit Union rates. MonitorBankRates evaluates the financial stability of Lincoln County Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.98%. Rates were last updated on 04/17/2026.

Lincoln County Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Lincoln County Credit Union? Share your experience about Lincoln County Credit Union by leaving a review below, or read customer reviews before you decide to use Lincoln County Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.98%

Excellent Lower than avg

Lincoln County Credit Union
LCCU Main Office

714 W 6th St
Libby, MT 59923

https://www.lincolncountycu.com

Current Rate Availability

We do not have Lincoln County Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Lincoln County Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Lincoln County Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Lincoln County Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Lincoln County Credit Union

Website https://www.lincolncountycu.com

Address 714 W 6th St, Libby, MT 59923

Phone 406-293-7771

Fax 406-293-3236

President Jon Reny

CEO Lindsay Beaty

Full-Time Employees 12

Part-Time Employees 1

Branch Locations 2

ATM Locations 3

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.98%

Return on Assets (ROA)

1.3063%

Return on Equity (ROE)

6.0878%

Non-Performing Loans Ratio (NPL)

0.55%

Total Assets

174,865,767

Total Amount of Shares and Deposits

137,071,309

Total Shares and Deposits < 1 Year

136,126,386

Total Shares and Deposits 1 3 Years

860,788

Total Shares and Deposits > 3 Years

84,134

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

6,899,134

Total Uninsured Shares and Deposits > $250K (F+J)

6,899,134

Total Insured Shares and Deposits > $250K (item 17 less item K)

130,172,175

Total Interest Expense (Sum of items 6 8)

1,087,392

Share Certificates

520

Number of Accounts for Share Drafts

4,239

IRA KEOGH Accounts

190

Number of Accounts for Regular Shares

6,814

All other shares

Money Market Shares

226

Net Income (unless the amount is already included in Undivided Earnings)

2,284,211

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

20,964,535

Total Liabilities

137,351,257

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Lincoln County Credit Union yet. Feel free to create one below.

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Total Reviews

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Frequently Asked Questions About Lincoln County Credit Union

Is Lincoln County Credit Union a safe place to deposit money?

Yes, Lincoln County Credit Union is considered a safe financial institution. With a Texas Ratio of 0.97816660038807%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Lincoln County Credit Union operate?

Lincoln County Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Lincoln County Credit Union?

Yes, to access services at Lincoln County Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Lincoln County Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Lincoln County Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Lincoln County Credit Union offer online and mobile banking?

Most modern institutions like Lincoln County Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lincolncountycu.com.