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 Southwest Montana Community Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
Southwest Montana Community Federal Credit Union's CDs of Deposit 60 month rates are at 3.80%, CDs of Deposit 48 month rates are at 3.75%, CDs of Deposit 36 month rates are at 3.50%, CDs of Deposit 24 month rates are at 3.25%, CDs of Deposit 12 month rates are at 3.00%. Southwest Montana Community Federal Credit Union's money market rates are at 0.50%. MonitorBankRates evaluates the financial stability of Southwest Montana Community Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.75%. Rates were last updated on 04/17/2026. Southwest Montana Community Federal 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 Southwest Montana Community Federal Credit Union? Share your experience about Southwest Montana Community Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Southwest Montana Community Federal Credit Union. Southwest Montana Community Federal Credit Union
Anaconda 1035 W Park Ave
https://www.swmcfcu.org Anaconda, MT 59711 
Southwest Montana Community Federal Credit Union CD Rates
Southwest Montana Community Federal Credit Union Money Market Rates
Southwest Montana Community Federal Credit Union Checking Rates
Southwest Montana Community Federal Credit Union Mortgage Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Southwest Montana Community Federal 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 Southwest Montana Community Federal 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 Southwest Montana Community Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Southwest Montana Community Federal Credit Union
Website
https://www.swmcfcu.org
Address
1035 W Park Ave,
Anaconda, MT 59711
Phone
406-563-8484
Fax
406-563-7122
President
Con Malee
CEO
Teri Krakowka
Full-Time Employees
35
Part-Time Employees
3
Branch Locations
5
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (97/100)
Texas Ratio
5.75%
Return on Assets (ROA)
0.0196%
Return on Equity (ROE)
0.1783%
Non-Performing Loans Ratio (NPL)
1.08%
Total Assets
205,713,399
Total Amount of Shares and Deposits
186,654,666
Total Shares and Deposits < 1 Year
178,550,913
Total Shares and Deposits 1 3 Years
6,290,241
Total Shares and Deposits > 3 Years
1,813,512
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,593,981
Total Uninsured Shares and Deposits > $250K (F+J)
6,593,981
Total Insured Shares and Deposits > $250K (item 17 less item K)
180,060,685
Total Interest Expense (Sum of items 6 8)
1,507,925
Share Certificates
927
Number of Accounts for Share Drafts
7,317
IRA KEOGH Accounts
306
Number of Accounts for Regular Shares
14,260
Money Market Shares
517
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
20,434,749
Total Liabilities
188,268,072
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Southwest Montana Community Federal Credit UnionIs Southwest Montana Community Federal Credit Union a safe place to deposit money?Yes, Southwest Montana Community Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.7467084803966%, 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 Southwest Montana Community Federal Credit Union operate?Southwest Montana Community Federal 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 Southwest Montana Community Federal Credit Union?Yes, to access services at Southwest Montana Community Federal 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, Southwest Montana Community Federal 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, Southwest Montana Community Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Southwest Montana Community Federal Credit Union offer online and mobile banking?Most modern institutions like Southwest Montana Community Federal 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.swmcfcu.org. Current Southwest Montana Community Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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