Business Details
Your Trusted Partner for Community Financial Services
High Peaks Federal Credit Union has served the financial needs of Southwest Montana residents for decades. Our member-owned cooperative prioritizes personalized service and community impact over profit-driven motives. We offer a comprehensive range of financial products including checking and savings accounts, loans, and investment options tailored to individual and business needs. Our Kasasa-branded products provide competitive cashback rewards and interest rates without minimum balance requirements. With surcharge-free ATMs and digital banking tools like mobile apps and eStatements, we combine modern convenience with hometown service.Our board-certified financial professionals work closely with members to achieve long-term financial goals. We maintain strict compliance with NCUA regulations while offering insurance products through trusted partners. Our scholarship program supports local education initiatives, reinforcing our commitment to community development. Through strategic mergers like the recent integration with High Peaks FCU, we continue expanding our service capabilities while maintaining personalized attention. Every decision we make focuses on delivering value directly to our members.
Services
Auto Loans
Business Checking
Credit Cards
IRAs
Mortgage Loans
Mobile Banking
Share Certificates
Money Market Accounts
Personal Loans
Commercial Real Estate Loans
Highlights and features
- We operate as a member-owned cooperative prioritizing community needs
- Our Kasasa products offer cashback rewards without minimum balances
- We provide surcharge-free ATMs and comprehensive digital banking tools
- Our financial professionals maintain board certifications and local expertise
- We offer scholarship programs supporting regional educational development
Associations and certifications
- NCUA
Services
Auto Loans
Our auto loan program provides competitive rates for new and used vehicle purchases. We offer flexible terms and pre-approval options to simplify the buying process. Our local loan officers work directly with members to find suitable financing solutions.
Business Checking
Designed for businesses of all sizes, our checking accounts include free online banking, mobile bill pay, and eStatements. Features like enhanced transaction flexibility and business-specific tools help streamline financial management operations.
Credit Cards
Our Visa credit card options provide immediate purchasing power with security features and fraud protection. Members can access competitive rates and benefits tailored to different spending needs and credit profiles.
IRAs
We offer both traditional and Roth IRA options with competitive dividend rates. Our retirement specialists help members choose appropriate investment vehicles and develop long-term savings strategies aligned with their financial goals.
Mortgage Loans
Our home loan program includes conventional mortgages and specialized products for first-time buyers. We provide personalized guidance through the application process and maintain local underwriting decisions for faster approvals.
Questions
How do I apply for a personal loan?
Apply online through our secure portal or visit any branch location. Our loan officers will review your application and contact you within one business day.
What digital banking tools are available?
We offer mobile banking apps, eStatements, bill pay, and account alerts. Card Control Center lets you manage debit card settings in real time through our mobile app.
Are business accounts FDIC insured?
We are NCUA-insured up to $250,000 per depositor through the National Credit Union Administration, which provides equivalent protection to FDIC insurance.
How does Kasasa Cashback Checking work?
Earn 4% cashback on debit card purchases when you maintain the required monthly transactions. No minimum balance requirements apply to qualify for rewards.
What loan terms do you offer for RV purchases?
RV loans feature terms up to 15 years for new units and 10 years for used models. Rates depend on credit profile, down payment, and collateral details.
How can I access surcharge-free ATMs?
Use our online ATM locator to find nearby no-fee locations. Your debit card grants access to thousands of ATMs across Montana and nationwide retail partners.