About Us

In 1957 Ravalli County FCU was known as Ravalli County Federal Employees Credit Union Association. It was a state chartered credit union with membership restricted to employees of the Rocky Mountain Lab and the Forest Service. Over the years, additional groups were allowed to join the credit union, including all county and city employees, certain school districts, and employees of local businesses. In 1972, the credit union changed from state chartered to federal chartered and the name changed to Ravalli County Federal Employees Federal Credit Union. In 1976 the name was changed to the current name of Ravalli County Federal Credit Union. A community charter was obtained in 2002 and expanded membership to include any person who lives, works, worships or recreates in Ravalli County and the family members of such individuals. In 2019 Ravalli County FCU grew into their second branch located in Florence, MT. 
Throughout the years, Ravalli County FCU has seen many changes, but the one thing that hasn’t changed is our dedication to our members and the community of Ravalli County. 


We get it!

A message from Darci Parsons, CEO

Dear members,

Your credit union is working diligently to inhibit the spread of Covid-19 and meet all of your financial needs. We are also committed to keeping all of our members and staff safe. Therefore, we will be closing our lobbies beginning on March 20, 2020 until further notice. During this time, I would like to offer some suggestions and reminders:

  • First and foremost, your money is safe with Ravalli County FCU. Your accounts are federally insured by the National Credit Union Administration (NCUA) up to $250,000. Your credit union has been in business for 63 years and we will be here for the next 63 and beyond. We are financially safe and sound and have had consistent capital growth since weathering the Great Recession. We are not limiting cash withdrawals; however, I recommend that no one panic and feel the need to make large withdrawals. I guarantee 100% that your money is safe with us and that you will always have access.
  • Business hours will remain the same and drive-thrus will remain open.
  • All lending functions will remain in force and loan appointments are available. Please refrain from making an appointment and coming into the office if you are ill.
  • Our staff is frequently washing their hands, using hand sanitizer and sanitizing their work stations daily, including sanitizing the drive-up tubes. Non-essential work travel has been cancelled for all staff and personal travel is being discouraged. All staff that display any flu-like symptoms have been instructed to stay home. In-person meetings are being moved to teleconferences to limit exposure.
  • We strongly encourage all of you to utilize our online banking, mobile app, ATMs, night drop (Hamilton Branch only), phone banking and drive-up instead of coming into the branches in person. Our mobile app allows remote deposit capture (RDC-taking a picture of your check for deposit) and the ATMs at the Hamilton and Florence branches accept deposits. We are part of the COOP network which means that there are over 30,000 ATMs worldwide that you may use to access your money with no fees. Additionally, you may apply for loans on our website, online banking and mobile app.
  • If you are experiencing a financial hardship due to the virus, please call our Collection Officer or Loan Officer. We are offering additional skip-a-pays on loans and loan modifications to help. We are also offering emergency loans.

I will communicate any changes as they arise. Thank you for your support and know that we will get through this challenging time together, just as we always have.

Darci Parsons-CEO
Ravalli County FCU

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Hamilton Branch – (406) 363-4631

501 N 1st St

P.O. Box 598

Hamilton, MT 59840

Fax: (406) 363-3354

Florence Branch – (406) 363-4631

5525 US Highway 93 N

P.O. Box 937

Florence, MT 59833

Fax: (406) 830-3433







“Creating beneficial, life-long financial relationships for our members and community.”

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If you have any suspicious account activity or information security related events, please contact us at the Credit Union at 406-363-4631.

Keep your information private! Do not share your account number, password, social security number or other important information with anyone on the telephone, via text messaging, or in an email UNLESS you know for certain who is on the other line. We will never ask for that information as we already have it on file.

The credit union does not provide the service for our members to check their credit score for free. If a box pops up about this please exit our site. PLEASE DO NOT ACCESS IT.
PROTECT your credit information and monitor your
debit and credit card transactions. Someone may call to verify recent purchases
but they WILL NOT ask you for your account information!

Please Note: Members are getting text messages on their cell phones that their VISA card has been deactivated. DO NOT CALL the number provided. THIS IS A SCAM! Call us direct at 406-363-4631 for clarification. Also – DO NOT call the number if you get a text that says you have won a Target Gift Card! This is phising scam.

BEWARE OF PHISHING SCAMS!     If anyone calls or texts and wants you to respond to any phone number but ours …PLEASE DO NOT RESPOND. They are looking for your information. Please just ignore the message whether it comes in by phone call or text message. This is a debit card scam stating your card has been de-activated. We never send you a message by text and only call you during our business hours.


Information provided by this interactive calculator is made available to you as self-help tool for planning financial decisions. We do not guarantee their absolute accuracy or their applicability to your specific circumstance. We encourage you to seek personalized advice from the qualified professionals at the Credit Union for all of your personal finance issues.

Auto Loan Calculator



Amortization Calculator



Payment table will appear here.

Note: This calculator is provided only to give an estimate of your loan. Your payment schedule may vary. This calculator is based on an interest rate less than 10%. Talk to your loan representative for additional details.

Loan Calculator




  • Type in the purchase price, number of payments (months), and annual percentage rate into the corresponding form fields.
  • Click on the button marked Calculate.
  • Your results will appear in the Results box.

Note: This calculator is provided only to give an estimate of your loan. Your monthly payment and total amount paid may vary. Talk to your loan representative for additional details.

Investment Yield Calculator


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