Business Details
50+ Years
experience
Emergency
services
Your Trusted Local Credit Union in Darby, Montana
Bitterroot Community Federal Credit Union has served Darby and Ravalli County, Montana since 1968 as a member-owned financial institution. Founded on the principle of 'People Helping People,' we prioritize community values and personalized service. Our eligibility extends to anyone living, working, or worshipping in Ravalli County, with family membership options available. We offer competitive savings rates, diverse loan products, and modern banking solutions including mobile and online banking. Our dual branches in Darby and Hamilton provide convenient access to essential financial services.Backed by NCUA insurance, we ensure member savings are federally protected up to $250,000. Our experienced team combines local knowledge with professional expertise to deliver trustworthy financial guidance. We maintain transparent fee structures and community-focused policies that reflect our cooperative ownership model. As Darby's first financial institution, we remain committed to growing alongside the communities we serve. Our operational philosophy emphasizes accessibility, ethical practices, and long-term member relationships over profit-driven motives.
Services
Savings Accounts
Vehicle Loans
Online Banking
Mobile App
ATM Services
Credit Cards
Business Accounts
Direct Deposit
Bill Pay
Notary Service
Details
- Year established: 1968
Highlights and features
- We operate as a member-owned cooperative financial institution
- Our community charter serves Ravalli County residents exclusively
- Backed by NCUA federal insurance for member savings protection
- Maintain transparent fee schedules and ethical banking practices
- Offer personalized service with local decision-making authority
Associations and certifications
- NCUA
- Equal Housing Lender
Services
Savings Accounts
We offer multiple savings options including Christmas Club Accounts, Money Market Accounts, and Individual Retirement Accounts. Our competitive rates help members grow their savings securely while maintaining liquidity. Specialized accounts like Share Certificates provide higher returns for committed deposits.
Vehicle Loans
Our vehicle loan programs cover new and used car purchases with flexible terms. Competitive interest rates apply to both direct auto loans and recreational vehicle financing. Members benefit from personalized loan structuring and local approval processes.
Online Banking
24/7 account access includes balance checks, transfers, bill payments, and transaction history. Our secure platform supports A2A transfers with $5,000 daily limits and $3.00 per transfer fees. Mobile app users enjoy check deposit capabilities and real-time alerts.
ATM Services
Hamilton branch features 24-hour ATM access with debit card issuance and replacement services. Lost card assistance operates after-hours through dedicated emergency support lines. Standard replacement fee applies for new ATM/debit cards.
Notary Service
Certified notary services available during lobby hours at both Darby and Hamilton branches. Professional document verification performed with $5.00 per stamp fee structure. Appointment scheduling recommended for complex documentation needs.
People
Kathy Nash
President/CEO
Kathy Nash leads Bitterroot Community Federal Credit Union with over 25 years of Montana banking experience. She oversees strategic operations while maintaining community engagement initiatives. Her leadership emphasizes member service excellence and financial accessibility.
Julie Antonucci
Branch Manager/Hamilton
Julie Antonucci manages Hamilton branch operations with focus on personalized customer service. She implements local outreach programs and supervises daily branch activities. Her team leadership ensures consistent service quality across locations.
Samantha Hamilton
Loan Officer/Hamilton
Samantha Hamilton specializes in consumer and business loan products. She provides financial counseling and loan structuring services tailored to member needs. Her expertise includes vehicle financing and credit assessment.
Questions
Who is eligible for membership?
Residents, workers, and worshippers in Ravalli County, Montana qualify for membership. Family members of existing members also receive eligibility.
What digital banking options exist?
We offer mobile banking apps for iOS and Android, online bill pay, A2A transfers, and 24/7 account access through secure digital platforms.
How do I report lost cards after hours?
Call 1-833-933-1681 for emergency card closure outside business hours. During regular hours, contact our Darby office directly at (406) 821-3171.
What loan types do you offer?
Our lending programs include vehicle loans, personal loans, share secured loans, credit cards, and recreational vehicle financing options with competitive rates.
Are savings federally insured?
Yes, all deposits receive NCUA federal insurance coverage up to $250,000 per member, backed by the U.S. government.