Become a Member at RMCU

People first, not profits.

Why join our credit union?

At Rocky Mountain Credit Union, membership means partnership. Unlike traditional banks, we're a cooperative where you're not just a customer, you're a member and owner. As a not-for-profit financial cooperative, we return our earnings to you through better rates, lower fees, and service built around you, not shareholders.

Proudly serving Montana members since 1940.

Our partnership means:

Community investment. We're deeply invested in the communities we serve in Bozeman, Belgrade, Helena, and Butte, supporting local education, scholarships, and organizations our members care about.
Better rates and lower fees. Our credit card rates average 3-4% lower than banks, auto loans about 2% less, and we offer higher dividends on savings products.
Real people, genuine member service. Our staff cares about your success and offers financial counseling and other tools to empower you, included as member perks.
Banking that moves with you. Manage everything from your phone with the RMCU mobile app, including mobile check deposit, card controls, and instant balance alerts, plus 24/7 online banking access.

Become a Member

Am I Eligible to Join RMCU?

Most Montanans in our charter area already qualify. Here's how to check.

To become a member of RMCU, you must meet one of the following qualifications:

Live, work, or worship in one of these Montana counties: Broadwater, Cascade, Deer Lodge, Gallatin, Jefferson, Lewis and Clark, Madison, Park, Powell, Missoula, or Silver Bow.
Be a State of Montana employee
Be a relative of a current member
Be an employee of these select businesses:
Be an alumnus of Montana State University

To become a member, all you need is:

Valid government-issued ID
Valid tax identification number
One form of additional ID (Passport, Birth Certificate)
Proof of physical residence
$20.00 for your membership share deposit

Become a Member

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Important Information About Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Credit Union vs. Bank

Not sure what sets a credit union apart? Here's the short version.

Ownership.

At a bank, profits go to outside shareholders. At RMCU, they go back to members like you.

Purpose.

Banks are built to grow returns for investors. RMCU is built to grow financial wellness for Montanans.

Decisions.

Bank policies are often set far from the communities they serve. RMCU's decisions are made locally, by people who live here too.

Value back to you.

That not-for-profit structure is why RMCU can offer better rates, lower fees, and real support instead of a call center script.

Our Values Are Your Values

We Are Accountable

Integrity and responsibility are at the heart of our operations. We hold ourselves to the highest honesty and transparency standards to ensure we focus on serving our members.

We Are Welcoming

We prioritize a feeling of belonging and being supported. Members and coworkers can feel safe and bring their uniqueness while feeling like they belong to something greater than themselves. Each new member and coworker is welcomed with open arms.

We Are Compassionate

We seek to understand the diverse needs of our members, coworkers, and communities. Our approach is one of empathy and kindness. We choose to take care of people.

We Are Grateful

We recognize and cherish our members' trust in us. We choose to appreciate our members and coworkers.

We Are Partners

Collaboration and mutual support are key to our success. We view ourselves as partners with our members and coworkers, working to achieve financial wellness and community prosperity.

Ways to Bank With RMCU

Banking with your local credit union doesn't mean sacrificing convenience. With credit union membership at RMCU, you'll have access to:

Full-service online banking and our mobile app, so you can check balances, transfer funds, and manage your accounts anywhere, anytime.
Seamless connections to Venmo, CashApp, and Apple Wallet to keep every part of your financial life flowing.
Six in-person branch locations throughout Montana, nine RMCU ATMs, plus co-op ATM access nationwide, for when you want a person or a machine. Find locations near you.
Financial tools like SavvyMoney Credit Monitoring and educational courses like Money Mastermind, both available right from your phone.