YOUR CU

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!

Ravalli County FCU Covid-19 Update November 25, 2020

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 Friday, November 27, 2020. 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.

Sincerely,

Darci Parsons-CEO

Ravalli County FCU

 

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Coronavirus Resource Center

Ravalli County FCU Covid-19 Update December 7, 2020

A message from Darci Parsons, CEO

Dear members,

I am happy to announce that Ravalli County FCU  reopened its lobbies on December 7, 2020.Your credit union has worked diligently to inhibit the spread of COVID-19. As we maneuver our way “back to normal,” we have implemented the following precautions for member and employee safety:

  • Face masks are required for ages five and older.
  • For social distancing purposes, only 10 members will be allowed into the Hamilton lobby at a time. Only 5 members will be allowed into the Florence lobby at a time. Please do not bring additional people into the lobbies with you who do not have business to transact.
  • Sneeze guards have been installed in the Teller-line and employee offices.
  • Social distancing strips have been placed in 6 feet increments for members waiting for assistance from the Tellers and Receptionist. We ask that you social distance from employees and other members in the lobbies.
  • Tellers will be staggered to allow for proper social distancing.
  • Employees in offices will work with their doors closed to limit exposure.
  • Hand sanitizing stations will be available in both lobby locations for members and staff.
  • Non-latex nitrile gloves will be available for members choosing to wear them (as available).
  • Complimentary coffee and furniture have been removed since reducing the amount of shared spaces helps to decrease possible germ spreading on common surfaces.
  • Members will not be allowed to wait in the lobby for an employee if they are assisting another member. The Receptionist will happily take contact information for the employee to call to make an appointment.
  • Bathrooms will be closed to everyone except employees.
  • Our staff is frequently washing their hands, using hand sanitizer and sanitizing their work stations throughout the day, including sanitizing the drive-thru tubes and ATMs. Staff will also have their temperatures taken every morning and complete a health screening questionnaire.  Non-essential work travel is still 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 have been moved to teleconferences to limit exposure.
  • We strongly encourage all of you to continue 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.
  • Curbside service will be offered for members upon request in lieu of entering lobbies.
  • If you are ill, please stay home or use one of our alternative channels.
  • Please cover coughs and sneezes with tissues or use the inside of your elbow. Throw tissues in the trash and wash your hands.
  • If you are experiencing a financial hardship due to the virus, please call our Collection Officer or a Loan Officer.  We are still offering additional skip-a-pays on loans and loan modifications to help.  We are also still offering emergency loans.

My team and I are committed to continuing to serve you and our community as we cautiously transition back to business as usual.  Thank you for your patience, understanding and support during this challenging time.  We will get through this, together.

Sincerely,

Darci Parsons-CEO
Ravalli County FCU

 

Health and Human Service Grants Available for Montanans!

 

The Montana Department of Commerce has been awarded $1.25 billion for Montanans that have been affected by COVID-19. They are currently offering business, community, housing (including rental assistance), and health and human service grants to those who qualify. Visit https://commerce.mt.gov/Coronavirus-Relief for a full list of available grants or to apply today!

 

Did You Know?

Check the Status of your Stimulus Check Today!

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Looking for your stimulus check? You can now visit the IRS website for a list of frequently asked questions as well as the tracking information for your economic impact payment. 

Sign up for eAlerts and we will notify you once your check has been deposited. eAlerts are easy to set up! Simply log into your online banking, go to the Info Center, and click on eAlerts SubscriptionsACH eAlerts can be set up for incoming (and outgoing) ACH transactions. ACH eAlerts are queued when the transaction is made and are sent within the half hour. Sign up today and know when your direct deposit is posted…or that stimulus check!

We get it.

 

Locations

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

 

 

 

 

 

MISSION STATEMENT

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

Resource Center

 

Credit Union Affiliations
 

Montana Credit Union Network

National Credit Union Administration
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Credit Union National Association
Automotive
 
NADA
National Automobile Dealers Association
Government
 

Governor Greg Gianforte

Senator Steve Daines

Senator John Tester

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ONLINE SAFETY TIPS

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.

FINANCIAL CALCULATORS

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.

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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.

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Instructions

  • 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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