About RCCU Membership

We are a Different Kind of Bank, Owned by You and Working for You

If you live, work, worship, or recreate in Ravalli County, you can bank with Ravalli County Credit Union.

We’re a different type of financial institution that’s owned and controlled by its local members, not majority stockholders in some other state. That means better rates, lower fees, and money that works for you, not someone else.

But banking local doesn’t mean limited access. We have over 33,000 ATM locations with no fees, mobile banking, and digital wallets so you can build your financial future anywhere.

As your local credit union, we’re here to talk to you, not sell to you. To us, you’re more than an account number.

Why Join Your Local Credit Union?

As a credit union, we are owned by YOU, not majority stockholders.

Our model is simple: profits earned by the credit union are given back to members through lower rates and fees.

Membership starts with just a $5 deposit.

You’ll get better rates on financial products than you could with big banks.

RCCU Gives Back

A large part of our mission is giving back to the local community. In addition to making donations, volunteering, and hosting fundraisers, we frequently run promotions in which a portion of your transaction fees benefit a local organization. Our frequent nonprofit partners include:

  • SAFE
  • CU4Kids
  • Ravalli County Schools
  • Bitterroot Performing Arts
  • Bitter Root Humane Association
  • Haven House

 

Learn more about what we’re doing for the community in Ravalli County.

Our History

“Creating beneficial, life-long financial relationships for our members and community.”

In 1957, Ravalli County Credit Union was known as Ravalli County Federal Employees Credit Union Association. It was a state-chartered credit union with membership restricted to employees of the Rocky Mountain Lab and the Forest Service. Over the years additional groups were allowed to join the credit union, including all county and city employees, certain school districts, and employees of local businesses. 

In 1969, the credit union became federally chartered and the name changed to Ravalli County Federal Employees Federal Credit Union. In 1974, the name was again changed to the current name of Ravalli County Federal Credit Union. A community charter was obtained in 2002 and expanded membership to include any person who lives, works, worships or recreates in Ravalli County and their family members. In 2019, Ravalli County Credit Union grew into its second branch located in Florence, MT.

 

This credit union is federally insured by the National Credit Union Administration.

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