--- title: Benefits of RMCU Membership description: Being a member of RMCU has a whole lot of benefits. You’re not a customer here—you’re a part of the community, and so is your financial institution. image: https://rmcu.net/hubfs/RMCU_benefits-of-membership-blogHeader.jpg --- [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net) [Online Banking Login](https://banking.rmcu.net/auth/signin) [Online Banking Login](https://banking.rmcu.net/auth/signin) [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net) - - [Home Loans](https://rmcu.net/home-loans) - [Personal](https://rmcu.net/personal) - [Business](https://rmcu.net/business) - [Membership](https://rmcu.net/membership) - [Careers](https://rmcu.net/membership/about-rmcu/careers) - [Contact Us](https://rmcu.net/contact-us) - Search - [Financial Education ▾](https://rmcu.net/blog/benefits-of-rmcu-membership#financial-education-nav) - [About RMCU ▾](https://rmcu.net/blog/benefits-of-rmcu-membership#about-rmcu-nav) - [Security](https://rmcu.net/membership/security) - [TruStage: Security Alert](https://rmcu.net/trustage-security-alert) - [Money Mastermind](https://rmcu.net/money-mastermind-lessons) - [Financial Counseling](https://rmcu.net/financial-counseling) - [Savvy Money](https://rmcu.net/membership/financial-education/savvy-money) - [Blog](https://rmcu.net/blog) - [Resources](https://rmcu.net/resources) - [RMCU Team](https://rmcu.net/membership/about-rmcu/rmcu-team) - [Member Information](https://rmcu.net/membership/about-rmcu/member-information) - [Annual Meeting](https://rmcu.net/membership/about-rmcu/annual-meeting) - [Community](https://rmcu.net/membership/about-rmcu/community) - [Our History](https://rmcu.net/membership/about-rmcu/history) [back to blog](https://rmcu.net/blog) [Lender Spotlight](https://rmcu.net/blog/topic/lender-spotlight) # Benefits of RMCU Membership Read Time **2 mins** | Written by: Rocky Mountain Credit Union [mailto:?subject=Benefits%20of%20RMCU%20Membership&body=https%3A%2F%2Frmcu.net%2Fblog%2Fbenefits-of-rmcu-membership](mailto:?subject=Benefits%20of%20RMCU%20Membership&body=https%3A%2F%2Frmcu.net%2Fblog%2Fbenefits-of-rmcu-membership) ## Community focus for your finances RMCU is a part of the Montana community. With branches in Helena, Bozeman, Belgrade and Butte, you can count on staff who know what it’s like to live under the Big Sky. They may even be a friend or a neighbor. And the community focus doesn’t stop there. RMCU offers education programs for members, like the [Money Mastermind course](https://blog.rmcu.net/mastermind). And scholarship programs give back to local students, while donations go to the organizations that members love most. That means you know your money will do good in the places you care for and call home.    ## Low interest rates put money back in your pocket Interest rates at credit unions tend to be lower than at banks. Here, we’re talking about the interest rates that you want to be lower—credit cards and loans. That means that average credit card interest rates are about 3-4% lower than what you’d find with a bank. And auto loans here have rates about 2% lower on average. Lower rates are just one of the ways that RMCU passes earnings on to members.    ![Graph showing money increasing. ](https://rmcu.net/hs-fs/hubfs/2022%20RMCU%20Banner%20Images/RMCU_benefits-of-membership-blog2.jpg?width=2894&name=RMCU_benefits-of-membership-blog2.jpg)   ## Higher rates on savings accounts On the other hand, when it comes to interest rates you want to be higher, you’re covered there too. Credit unions pay dividends on accounts, rather than calling it interest, but it works out to be the same. You can earn dividends with higher rates on savings accounts at RMCU than you’ll find at many banks. That’s because credit unions like RMCU are not-for-profit, so they can put the money they make from investments back into members’ pockets. Banks are trying to turn a profit, so they’re not as quick to give back in the form of higher rates.    ## Convenient money management RMCU makes it easy to take care of your money, with branches and ATMs right in your neighborhood. And even if life takes you out of our little corner of Montana, whether in a move or for travel, you can still have easy access to all sides of your finances. Between super-secure online banking and bill pay, as well as credit monitoring and easy transfers between accounts, it’s simple to manage your money from near or far. You have the benefit of hyper-local care for your money, as well as that use-it-anywhere functionality.    ![Photo of member benefits. ](https://rmcu.net/hs-fs/hubfs/2022%20RMCU%20Banner%20Images/RMCU_benefits-of-membership-blog3.jpg?width=2894&name=RMCU_benefits-of-membership-blog3.jpg)   ## Incomparable member service RMCU takes member service seriously. When you call in, whether with a casual question about online banking or a fraud concern, you get a real person on the phone. And it’s really someone right down the street, who knows what weird thing the weather is doing and where the best place in town for a milkshake is. Having those community connections in every aspect of your financial life makes it more accessible to ask questions, make an appointment, or get help when you need it.  Is it time to become a member of RMCU? Fortunately, it’s easy to sign up and start saving. Apply, and [open your first account](https://www.rmcu.net/membership) online in five minutes. ##### Rocky Mountain Credit Union Share the Love [mailto:?subject=Benefits%20of%20RMCU%20Membership&body=https%3A%2F%2Frmcu.net%2Fblog%2Fbenefits-of-rmcu-membership](mailto:?subject=Benefits%20of%20RMCU%20Membership&body=https%3A%2F%2Frmcu.net%2Fblog%2Fbenefits-of-rmcu-membership) You May Like These ## Related Articles ![](https://rmcu.net/hs-fs/hubfs/DropRentPickUpAMortgage.jpg?width=700&name=DropRentPickUpAMortgage.jpg) Home and Mortgage ### [Ready to Drop Rent Like a Hot Potato and Pickup a Cool Mortgage?](https://rmcu.net/blog/drop-rent-like-a-hot-potato) Renting can feel like you're just throwing your money away and sometimes buying a home seems too exp... Keep Reading ![](https://rmcu.net/hs-fs/hubfs/RMCU_Q2_visa_tv-01.jpg?width=700&name=RMCU_Q2_visa_tv-01.jpg) In The Community ### [Have Work Expenses; Why Not Get Rewarded?](https://rmcu.net/blog/get-rewarded-for-work-expenses-2020) You already have to travel for work, so why not get rewarded? Here’s how to use all that work spendi... Keep Reading ![](https://rmcu.net/hs-fs/hubfs/iStock-1127947949_c.jpg?width=700&name=iStock-1127947949_c.jpg) Tips from the Pros ### [Buying New Furniture on a Budget](https://rmcu.net/blog/buying-new-furniture-on-a-budget) When you’re moving, there are plenty of options for decking out your place, even on a budget. Here’s... Keep Reading ## [**FOLLOW US ON INSTAGRAM**](https://www.instagram.com/rockymountaincu/?hl=en) - [Privacy Policy](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/Privacy_Notice.pdf) - [ADA Compliance](https://rmcu.net/ada-compliance) - [Careers](https://rmcu.net/membership/about-rmcu/careers) - [Fee Schedule](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/RMCU_ScheduleOfCharges_Members_2024-DIGITAL-2.pdf) ![Equal Housing Leader](https://rmcu.net/hs-fs/hubfs/raw_assets/public/RMCU_2022/images/home-lender-logo.png?width=140&name=home-lender-logo.png "Equal Housing Leader") ![American Strategic Insurance](https://rmcu.net/hubfs/raw_assets/public/RMCU_2022/images/asi-logo.svg "placeholder_200x200") Each account is insured by American Share Insurance up to $250,000. By members' choice, this institution is not federally insured. [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net) All share and loan accounts are subject to membership eligibility. Equal Housing Opportunity. **RMCU NMLS# 585490** © 2026 Rocky Mountain Credit Union All Rights Reserved × ## You Are Leaving Our Website You are leaving the Rocky Mountain Credit Union website and accessing a third-party website. The privacy, security, and accessibility policies of third-party websites may differ from those of Rocky Mountain Credit Union. We encourage you to review the policies of any website you visit. Rocky Mountain Credit Union is not responsible for the content, privacy, security, or availability of external websites and does not endorse or guarantee the products, services, or information they provide. 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