Ravalli County FCU

What Ravalli County FCU does

Ravalli County Federal Credit Union (Ravalli County FCU) is a federally chartered, member-owned cooperative credit union founded in 1957 and headquartered in Hamilton, Montana. It provides a full suite of retail and small business banking products to residents of Ravalli County, including checking and savings accounts, share certificates, money market accounts, IRAs, HSAs, auto and RV loans, mortgages, HELOCs, personal loans, and a fixed-rate Visa credit card at 9.9% APR. The institution operates two physical branches (Hamilton HQ and Florence, opened 2019) and serves approximately 6,118 members as of 2025 with 18 staff members.

The technology platform comprises a standard credit union digital banking stack: the "It's Me 24/7" online banking portal, native iOS and Android mobile apps, Remote Deposit Capture, digital wallet support (Apple Pay, Google Pay, Samsung Wallet), and access to the CO-OP shared ATM network providing surcharge-free access to 30,000+ ATMs nationwide and in 10 countries. The credit union participates in NCUA share insurance and CDFI Fund programs and offers distinctive products including WINcentive prize-linked savings (one of only eight Montana credit unions with this product) and free VITA tax preparation (the only Montana credit union offering this service).

The business model is a not-for-profit cooperative generating revenue primarily through net interest income on the loan portfolio, supplemented by deposit account fees, interchange income from debit and credit card transactions, and spreads on share certificates and savings products. Distribution is community-driven via branch banking, direct-to-consumer digital channels, local events, and word-of-mouth, with marketing relying on Facebook, Instagram, quarterly newsletters, and local awards rather than paid acquisition. Membership requires a $5 deposit and is restricted to persons who live, work, worship, or recreate in Ravalli County, Montana.

Name

Ravalli County FCU

Legal name

Ravalli County Federal Credit Union

Website

https://ravallicountyfcu.org

Company type

Private

Founded year

1957

Operating status

Operating

Headcount range

1–10 employees

Short description

Ravalli County FCU is a federally chartered, member-owned credit union in Ravalli County, Montana, offering retail and small business banking products including loans, deposits, and credit cards to approximately 6,118 members across two branch locations.

Ownership category

akta.pro rank

Product category

Credit Union Retail Banking

NAICS

Credit Unions (52213)

SIC

Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141)

akta.pro industry

PRIMARYFSABAEAA

Community Credit Unions (Retail/Consumer Focus)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

Keywords

• Retail banking services
• Consumer lending
• Deposit accounts
• Mortgage financing
• Credit union services

Headquarters

HQ city

Hamilton

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Net Interest Income (Loan Interest): Primary revenue from interest earned on loan portfolio including auto loans, mortgages, HELOCs, personal loans, and credit cards. Interest rates vary by product and creditworthiness.
2. Deposit Account Fees: Fees generated from account services including dormant accounts, early closure, overdraft/NSF, wire transfers, stop payments, and other service charges.
3. Interchange / Card Revenue: Revenue from debit and credit card transaction interchange fees.
4. Share Certificate & Savings Products: Revenue generated from spread between lending rates and dividend rates paid on savings, certificates, IRAs, and money market accounts.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Ravalli County FCU is a member-owned community credit union providing retail banking products — share savings and checking accounts, money market and share certificates, IRAs, an HSA, auto/RV/mortgage/HELOC/personal loans, and a flat-rate Visa credit card — to residents and small businesses of Ravalli County, Montana. Members access these products through two physical branches (Hamilton and Florence), a 24/7 online and mobile banking platform, Remote Deposit Capture, digital wallets, and the CO-OP surcharge-free ATM network. Insurance products (auto, home, life, AD&D) are made available through partner arrangements with TruStage and Liberty Mutual.

Product overview

Ravalli County Federal Credit Union is a member-owned financial cooperative offering a comprehensive suite of banking products and services. The core offerings center on deposit accounts (checking, savings, money market, and share certificates) and lending products (auto/RV loans, mortgages, HELOCs, personal loans, and credit cards). Digital banking services include the It's Me 24/7 online banking platform, native mobile apps for iOS and Android, online bill payment, remote deposit capture, and digital wallet support for Apple Pay, Google Pay, and Samsung Wallet. The credit union also offers specialized savings products including prize-linked WINcentive Savings Accounts, retirement accounts (Traditional IRA, Roth IRA, Educational IRA), Health Savings Accounts, and Christmas Club accounts. Insurance products are provided through partnerships with TruStage and Liberty Mutual. The product portfolio is completed with a Switch Kit for new member onboarding and financial planning calculators. The institution operates two physical branches in Florence and Hamilton, Montana, with surcharge-free ATM access through the CO-OP Network.

Differentiator

Problem solved

Functional benefit

Products and services

• Checking Accounts Personal checking accounts with no minimum balance requirements, no transaction limits, free debit card, online and mobile banking, and surcharge-free CO-OP ATM access. Targeted at individual members of Ravalli County FCU.
• Share Savings Accounts Primary share savings accounts that establish membership in the credit union with a $5 minimum opening deposit, plus Sub Share accounts. Balances above the dividend minimum earn the posted APY.
• Money Market Accounts Tiered money market savings account requiring a $1,000 minimum balance and offering competitive APY with monthly compounding and crediting.
• Share Certificates (CDs) Certificate of deposit accounts with 3-month youth, 6-month, 12-month, 18-month, 30-month, and 60-month terms; minimum $500 opening deposit; early-withdrawal penalty of 90-day interest for terms of 6 months or less and 180-day interest for terms over 6 months.
• WINcentive Prize-Linked Savings Savings account where members earn entries into monthly, quarterly, and annual cash-prize drawings (up to $5,000 grand prize) for each $25 increase in their savings balance; one of only 8 credit unions in Montana to offer this product.
• Christmas Club Account Seasonal-purpose savings account that accepts deposits from November through October and distributes accumulated funds as a check at the end of October for holiday spending.
• Traditional IRA Individual retirement account offering tax-deductible contributions and tax-deferred earnings growth, available with a $100 minimum opening balance.
• Roth IRA After-tax individual retirement account allowing tax-free qualified distributions, with potential tax-free earnings growth.
• Educational IRA (Coverdell) Education savings IRA designed to help cover higher education expenses with tax-free earnings if used before the beneficiary reaches age 30.
• Health Savings Account (HSA) Tax-advantaged healthcare savings account offering tax-deductible contributions, tax-deferred growth, and tax-free distributions for qualified medical expenses when paired with a high-deductible health plan.
• Auto & RV Loans Fixed-rate financing for new and used autos, RVs, trailers, motorcycles, boats, and other recreational vehicles, with rates starting at 5.00% APR for A+ credit (750+) and terms of 1–60 months. Includes a 4.65% APR promotional "auto & RV special" tied to food donation requirements.
• Mortgage Loans Home purchase and refinance mortgages including Conventional, FHA, VA, USDA, Jumbo, low-down-payment, first-time-buyer, and cash-out refinance options with fixed and adjustable terms up to 30 years.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by residential home equity, with rates starting at 9% APR and flexible terms usable for home improvements, education, or major purchases; interest may be tax-deductible.
• Personal Loans Unsecured personal loans at 10.00% APR plus secured variants — share-secured at share rate + 3.00% and share-certificate-secured at certificate rate + 3.00% — for debt consolidation, unexpected expenses, home improvements, or major purchases.
• Visa Credit Cards Fixed-rate Visa credit card charging a flat 9.9% APR for all qualifying applicants regardless of credit score, with no application fees, no cash-advance fees, contactless tap, 3-D Secure authentication, and digital-wallet compatibility (Apple Pay, Google Pay, Samsung Wallet).
• Business Accounts Business checking and savings accounts for sole proprietorships, LLCs, and corporations registered with the State of Montana, opened with a $5 minimum deposit and requiring all signers to be present with valid ID; business loans are also offered.
• Mobile Banking App Native iOS and Android mobile banking application enabling bill payment, fund transfers, remote check deposit, account monitoring, and ATM-location services for Ravalli County FCU members.

Quantifiable outcome

• 5 consecutive years voted Bitterroot's Best Credit Union
• +3 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• TruStagecoreOthersInsurance partner offering auto, property, life, and AD&D insurance products to RCCU members. TruStage is a credit union-focused insurance provider backed by CUNA Mutual Group.
• Liberty MutualcoreOthersHome insurance program underwritten by Liberty Mutual, offering home, condo, and renters insurance through TruStage partnership to RCCU members.
• Haven House Food BankcoreOthersLocal food bank receiving food donations collected through RCCU's Summer Loan Promotion at the Hamilton branch. 437 lbs of food donated in 2025. Also receives support through Thanksgiving Giving Tree program.
• Pantry Partners Food BankcoreOthersLocal food bank receiving food donations collected through RCCU's Summer Loan Promotion at the Florence branch. 437 lbs of total food donated to local food banks in 2025.
• SAFE (Domestic Violence Shelter)coreOthersLocal domestic violence shelter supported by RCCU through donations and ICU Day bake sale. RCCU matched member donations, contributing $1,020 total in 2025.
• CU4KidsminorOthersCredit union children's charity receiving $4,587 in donations from RCCU in 2025.
• Ravalli County SchoolscoreOthersPartnership with local schools including Reality Fairs for high school seniors, youth savings programs, scholarships ($6,000 in 2025), and school sponsorships.
• CO-OP NetworkcoreTechnology or IntegrationATM network partnership providing surcharge-free access to 30,000+ ATMs nationwide including deposit-taking ATMs, 7-Eleven, Costco, and international ATMs in 10 countries.
• NCUA (National Credit Union Administration)coreOthersFederal regulator of credit unions providing share insurance (up to $250,000 per depositor) and oversight. RCCU displays NCUA insurance logo and is federally chartered.

Scale indicators7 records

Recent moves7 records

Expansion highlights3 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ravallicountyfcu
• Instagraminstagram.com/ravallicountyfcu
• LinkedInlinkedin.com/company/ravalli-county-federal-credit-union

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ravalli County FCU