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Community 1st Federal Credit Union

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Community 1st Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community 1st Federal 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 and Verified: October 23, 2026

Community 1st Federal Credit Union's Auto Loan Rates are as low as 4.74%. MonitorBankRates evaluates the financial stability of Community 1st Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 10.77%. Rates last updated and verified on 10/23/2026.

Community 1st 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 Community 1st Federal Credit Union? Share your experience about Community 1st Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Community 1st Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.77%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Community 1st Federal Credit Union
Main Office

2905 Main St
Miles City, MT 59301

https://www.c1stfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Community 1st Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Line of Credit	-	-	5.50%	180 Months
Details As Low As; Rates as low as 4.00% APR, some restrictions do apply. Call for a current rate. Last Updated 10/23/2026 Rate History No change since Oct 22, 2026 · 5.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.77%
Fixed Rate Home Equity Loan	-	-	6.50%	72 Months
Details As Low As; Rates as low as 5.00% APR, some restrictions do apply. Call for a current rate. Last Updated 10/23/2026 Rate History No change since Oct 22, 2026 · 6.50% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.77%

Community 1st Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
All Vehicles - New and Used Vehicles Loan	-	-	4.74%	24 Months
Details As Low As; Rates as low as 4.24% APR. Loan rates may vary with length of contract and age of vehicle. Last Updated 10/23/2026 Rate History No change since Oct 22, 2026 · 4.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.77%
Vehicle Loan - New and Used Vehicles	-	-	4.74%	24 Months
Details As Low As; Rates as low as 4.24% APR. Loan rates may vary with length of contract and age of vehicle. Last Updated 10/23/2026 Rate History No change since Oct 22, 2026 · 4.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.77%
All Vehicles - New and Used Vehicles Loan	-	-	4.99%	48 Months
Details As Low As; Rates as low as 4.24% APR. Loan rates may vary with length of contract and age of vehicle. Last Updated 10/23/2026 Rate History No change since Oct 22, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.77%
Vehicle Loan - New and Used Vehicles	-	-	4.99%	48 Months
Details As Low As; Rates as low as 4.24% APR. Loan rates may vary with length of contract and age of vehicle. Last Updated 10/23/2026 Rate History No change since Oct 22, 2026 · 4.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.77%
All Vehicles - New and Used Vehicles Loan	-	-	5.24%	60 Months
Details As Low As; Rates as low as 4.24% APR. Loan rates may vary with length of contract and age of vehicle. Last Updated 10/23/2026 Rate History No change since Oct 22, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.77%
Vehicle Loan - New and Used Vehicles	-	-	5.24%	60 Months
Details As Low As; Rates as low as 4.24% APR. Loan rates may vary with length of contract and age of vehicle. Last Updated 10/23/2026 Rate History No change since Oct 22, 2026 · 5.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.77%
All Vehicles - New and Used Vehicles Loan	-	-	5.49%	72 Months
Details As Low As; Rates as low as 4.24% APR. Loan rates may vary with length of contract and age of vehicle. Last Updated 10/23/2026 Rate History No change since Oct 22, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.77%
Vehicle Loan - New and Used Vehicles	-	-	5.49%	72 Months
Details As Low As; Rates as low as 4.24% APR. Loan rates may vary with length of contract and age of vehicle. Last Updated 10/23/2026 Rate History No change since Oct 22, 2026 · 5.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.77%

Community 1st Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loan - New and Used Recreational Vehicle	-	5.99%	Up to 72 Months
Details Off-Road Motorcycles, snowmobiles, ATV, motorhomes and fifth wheel trailers. Footnote: Rates as low as 4.74% APR. Call for details. Last Updated 10/23/2026 Rate History No change since Oct 22, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.77%
Recreational Vehicles - New and Used Recreational Vehicle Loan	-	5.99%	Up to 72 Months
Details As Low As; Rates as low as 4.74% APR. Call for details. Off-Road Motorcycles, snowmobiles, ATV even MOTORHOMES and fifth wheel trailers. Loan rates may vary with length of contract and type of vehicle. Last Updated 10/23/2026 Rate History No change since Oct 22, 2026 · 5.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.77%
Recreational Vehicle Loan - New and Used Recreational Vehicle	-	6.49%	96 Months
Details Off-Road Motorcycles, snowmobiles, ATV, motorhomes and fifth wheel trailers. Footnote: Rates as low as 4.74% APR. Call for details. Last Updated 10/23/2026 Rate History No change since Oct 22, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.77%
Recreational Vehicles - New and Used Recreational Vehicle Loan	-	6.49%	96 Months
Details As Low As; Rates as low as 4.74% APR. Call for details. Off-Road Motorcycles, snowmobiles, ATV even MOTORHOMES and fifth wheel trailers. Loan rates may vary with length of contract and type of vehicle. Last Updated 10/23/2026 Rate History No change since Oct 22, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.77%
Recreational Vehicle Loan - New and Used Recreational Vehicle	-	6.99%	120 Months
Details Off-Road Motorcycles, snowmobiles, ATV, motorhomes and fifth wheel trailers. Footnote: Rates as low as 4.74% APR. Call for details. Last Updated 10/23/2026 Rate History No change since Oct 22, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.77%
Recreational Vehicles - New and Used Recreational Vehicle Loan	-	6.99%	120 Months
Details As Low As; Rates as low as 4.74% APR. Call for details. Off-Road Motorcycles, snowmobiles, ATV even MOTORHOMES and fifth wheel trailers. Loan rates may vary with length of contract and type of vehicle. Last Updated 10/23/2026 Rate History No change since Oct 22, 2026 · 6.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.77%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Community 1st Federal Credit Union’s Texas Ratio fell from 29.45% in Q3 2023 to 10.77% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 3.8 to 5.0 and its Health Grade from C to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$43M	10.77%	5.0	A
March 31, 2026	$44M	7.02%	5.0	A
December 31, 2025	$42M	6.95%	5.0	A
September 30, 2025	$41M	12.93%	5.0	A
June 30, 2025	$41M	17.41%	4.8	B+
March 31, 2025	$41M	17.12%	4.8	B+
December 31, 2024	$39M	16.37%	4.9	A-
September 30, 2024	$39M	18.96%	4.7	B+
June 30, 2024	$39M	19.75%	4.6	B
March 31, 2024	$39M	24.90%	4.2	C+
December 31, 2023	$40M	32.72%	3.5	D
September 30, 2023	$39M	29.45%	3.8	C

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Community 1st 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 Community 1st 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 Community 1st Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Community 1st Federal Credit Union

Website https://www.c1stfcu.org

Address 2905 Main St, Miles City, MT 59301

Phone 406-234-2550

Fax 406-234-3127

President Keith Bogner

CEO Tristan Henke

Full-Time Employees 13

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (95/100)

Texas Ratio

10.77%

Return on Assets (ROA)

0.3927%

Return on Equity (ROE)

3.5240%

Non-Performing Loans Ratio (NPL)

1.60%

Total Assets

43,150,255

Total Amount of Shares and Deposits

37,630,890

Total Shares and Deposits < 1 Year

36,270,889

Total Shares and Deposits 1 3 Years

1,360,003

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

491,763

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

491,763

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

37,139,127

Total Interest Expense (Sum of items 6 8)

196,887

Share Certificates

260

Number of Accounts for Share Drafts

1,855

IRA KEOGH Accounts

Number of Accounts for Regular Shares

3,790

Money Market Shares

170

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

169,442

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,652,285

Total Liabilities

38,297,832

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Community 1st Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Community 1st Federal Credit Union

What is the lowest auto loan rate at Community 1st Federal Credit Union?

The lowest auto loan rate MonitorBankRates has verified for Community 1st Federal Credit Union is 4.74% APR on its All Vehicles - New and Used Vehicles Loan, as of October 23, 2026.

How many branches does Community 1st Federal Credit Union operate?

Community 1st 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 Community 1st Federal Credit Union?

Yes, to access services at Community 1st 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, Community 1st 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, Community 1st Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Community 1st Federal Credit Union offer online and mobile banking?

Most modern institutions like Community 1st 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.c1stfcu.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Community 1st Federal Credit Union rates compare?

Community 1st Federal Credit Union's top rate is auto loans from 4.74% APR, verified by MonitorBankRates on October 23, 2026. To compare Community 1st Federal Credit Union with the top rates nationwide, see our best CD rates and best auto loan rates, updated daily from banks and credit unions across the country.