What are the current interest rates at Rocky Mountain Credit Union?

Current rates for Rocky Mountain Credit Union include: Savings: 0.01%, MMA: 0.44%

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Rocky Mountain Credit Union

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Rocky Mountain Credit Union Rates & Review May 2026

Q: Is a member application needed to join Rocky Mountain Credit Union?

Yes, to access services at Rocky Mountain 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, Rocky Mountain 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: May 12, 2026

Rocky Mountain Credit Union's savings rates are at 0.01%. Rocky Mountain Credit Union's money market rates are at 0.44%. MonitorBankRates evaluates the financial stability of Rocky Mountain Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 7.32%. Rates were last updated on 05/12/2026.

Rocky Mountain 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 Rocky Mountain Credit Union? Share your experience about Rocky Mountain Credit Union by leaving a review below, or read customer reviews before you decide to use Rocky Mountain Credit Union.

Verified Healthy Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 96/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

7.32%

Excellent Higher than avg

Rocky Mountain Credit Union
North Montana

3400 N Montana Ave
Helena, MT 59602

https://www.rmcu.net

Rocky Mountain Credit Union Savings Rates

Product	Rate	APY
HSA Savings	-	0.50%
Details Qualifying balance up to $0.01 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
IRA Savings	-	0.50%
Details Qualifying balance up to $0.01 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Rocky Super Saver Account	-	0.01%
Min Balance $20 Details Under age 18 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Savings	-	0.01%
Min Balance $0 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%

Rocky Mountain Credit Union Money Market Rates

Product	Rate	APY
Premier Money Market	-	1.28%
Min Balance $0 Details Fees apply to any balance below $50,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Premier Money Market	-	1.04%
Min Balance $0 Details Fees apply to any balance below $50,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Standard Money Market	-	0.94%
Min Balance $0 Details Fees apply to any balance below $2,500 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%
Standard Money Market	-	0.44%
Min Balance $0 Details Fees apply to any balance below $2,500 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%

Rocky Mountain Credit Union Checking Rates

Product	Rate	APY	View More
Summit Checking	-	5.00%
Min Balance $0 Details Qualifications Required: 10 debit card transactions; a direct deposit; Qualifying balance up to $20,000 Last Updated 05/12/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 7.32%

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.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Rocky Mountain 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 Rocky Mountain 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 Rocky Mountain Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Rocky Mountain Credit Union

Website https://www.rmcu.net

Address 3400 N Montana Ave, Helena, MT 59602

Phone 406-449-2680

Fax 406-447-1110

President Kristin Bouchard

CEO Cyrus Malkin

Full-Time Employees 86

Part-Time Employees 8

Branch Locations 6

ATM Locations 6

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (96/100)

Texas Ratio

7.32%

Return on Assets (ROA)

0.6315%

Return on Equity (ROE)

7.0728%

Non-Performing Loans Ratio (NPL)

1.04%

Total Assets

412,060,267

Total Amount of Shares and Deposits

351,823,705

Total Shares and Deposits < 1 Year

335,883,719

Total Shares and Deposits 1 3 Years

11,402,465

Total Shares and Deposits > 3 Years

4,537,520

Total Interest Expense (Sum of items 6 8)

4,583,764

Share Certificates

3,222

Number of Accounts for Share Drafts

15,447

IRA KEOGH Accounts

637

Number of Accounts for Regular Shares

24,919

All other shares

4,366

Money Market Shares

2,037

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

2,602,055

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

34,402,145

Total Liabilities

376,005,494

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

Rocky Mountain 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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

Customer Reviews

There are no reviews for Rocky Mountain Credit Union yet. Feel free to create one below.

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Average Rating

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Total Reviews

Add Your Rating and Review for Rocky Mountain Credit Union

Frequently Asked Questions About Rocky Mountain Credit Union

How many branches does Rocky Mountain Credit Union operate?

Rocky Mountain 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 Rocky Mountain Credit Union?

Yes, to access services at Rocky Mountain 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, Rocky Mountain 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, Rocky Mountain Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Rocky Mountain Credit Union offer online and mobile banking?

Most modern institutions like Rocky Mountain 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.rmcu.net.