Business Details
50+ Years
experience
Your Montana & Wyoming Financial Partner
Billings Federal Credit Union has dedicated itself to delivering sound financial solutions since 1935. As a not-for-profit cooperative, we prioritize member needs through competitive rates, low fees, and personalized service. Our membership spans residents of 53 Montana and Wyoming counties, offering access to a full line of financial products. With branches across Billings and a commitment to community-driven banking, we empower members to achieve financial success.Our expertise in tailored financial services, combined with decades of local market knowledge, ensures clients receive trusted guidance. We operate with transparency, safeguarding member privacy while reinvesting earnings to enhance services. Our team of professionals, governed by a volunteer board of directors, remains focused on one mission: improving members' lives through financial empowerment.
Services
Checking Accounts
Loan Programs
Online Banking
Share Certificates
Mobile Banking
Financial Calculators
Details
- Year established: 1935
Highlights and features
- We offer over 80 years of local financial expertise
- Our member-owned structure guarantees unbiased service
- We provide competitive rates on all financial products
- Our service area covers 53 Montana and Wyoming counties
- We deliver personalized solutions through dedicated staff
What people say
Great loan rates
Excellent mobile app
Quick service
Knowledgeable staff
Low fees
Services
eChecking Account
Our no-minimum eChecking account provides essential banking with unlimited check writing, free Visa card, and mobile deposit features. Members enjoy free online banking, bill pay, and access to surcharge-free ATMs. Overdraft protection and tiered reward programs enhance this foundational financial service.
Auto Loan Program
New and used vehicle financing offers competitive rates starting at 5.24% APR with discounts for automatic payment enrollment. Loan terms up to 84 months for qualified borrowers include flexible payment options and member-friendly underwriting tailored to individual financial circumstances.
Share Certificates
Fixed-term share certificates deliver guaranteed returns with rates up to 4.00% APR for terms between 6 months and 5 years. Tiered pricing rewards larger deposits while student and IRA-specific programs provide specialized savings opportunities for different financial goals.
Home Equity Line
Flexible home equity lines start at 5.75% APR with borrowing options secured by residential property. This revolving credit line enables homeowners to finance improvements, education, or consolidate debt with adjustable rates tied to prime index plus margin.
Mobile Banking
Free mobile app provides 24/7 account access for balance checks, transfers, and bill payments. Security features include card controls, biometric login, and real-time transaction alerts. Mobile check deposit and text banking enhance digital convenience for tech-savvy members.
Questions
How do I become a member?
Join if you live, work, or worship in 53 Montana/Wyoming counties. Family members of existing members also qualify.
What loan discounts do you offer?
Secure Checking holders get 0.10% rate premium. Autopay and direct deposit can reduce rates up to 1.00%.
Can I access accounts externally?
Yes, online banking connects with external institutions through My Money Link for consolidated financial management.
How do I report lost card?
Contact us immediately at 406.252.7556 during business hours or use mobile app card controls to disable lost cards.
Are there mobile banking fees?
No. Our mobile app and text banking services are free, though carrier data charges may apply.
What investment options exist?
We offer share certificates with terms from 6 months to 5 years, including specialized IRA and student programs.
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