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 became federally chartered and the name changed to Ravalli County Federal Employees Federal Credit Union. In 1976, the name was again 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 their family members. In 2019, Ravalli County FCU grew into their second branch located in Florence, MT.

Since 1957, Ravalli County FCU has seen many changes and only three CEOs. As the credit union continues to grow and add services, our mission will always be to create beneficial life-long financial relationships for our members and community.

We get it.


(406) 363 – 4631


Hamilton Branch:

501 N 1St St

P.O. Box 598

Hamilton, MT 59840

Fax: (406) 363-3354

Florence Branch:

5525 US Highway 93 N

P.O. Box 937

Florence, MT 59833

Fax: (406) 830-3433



During business hours, please call 363-4631 for assistance. For after hours, please call:

  • Lost or Stolen ATM/Debit Cards (U.S.):  888-241-2510
  • Lost or Stolen ATM/Debit Cards (International):  909-941-1398
  • Debit Card Activation:  800-466-0040
  • Debit Card PIN Change:  800-503-9249
  • Fraud: 888-241-2440


During business hours, please call 363-4631 for assistance. For after hours, please call:

  • Lost or Stolen Credit Card (U.S.): 800-543-5073
  • Lost or Stolen Credit Card (International): 727-570-4881
  • Credit Card Activation: 800-543-5073
  • Credit Card PIN Change: 406-363-4631
  • Fraud: 800-543-5073



Warning, this form is not a secure communications channel. Please do not enter any private information into this form!

  • This field is for validation purposes and should be left unchanged.


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

Resource Center


Credit Union Affiliations

Montana Credit Union Network

National Credit Union Administration
Credit Union National Association
National Automobile Dealers Association

Governor Greg Gianforte

Senator Steve Daines

Senator John Tester

Local Weather –
Loan Calculator
Members Insurance Products
Insurance Solutions For Everything That Matters. Find Out More.
Trustage Insurance
Reorder Checks


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



QWhat is your field of membership?

A. Our field of membership is any person who lives, works, recreates or worships in Ravalli County.

QHow do I become a member of the Credit Union?

A. We require members open a share savings account with a $5.00 minimum balance as your share in the Credit Union. To open, valid government picture ID as well as a social security number to open a share savings account.  Please also provide a piece of mail showing a local address when opening an account.

Q.  Do you offer Business Accounts?

A. Yes. Our Business Accounts do not differ from our personal accounts. We require valid ID, Employer Identification Number, Business Articles (i.e. Articles of Incorporation, partnership agreement, etc.) and proof your business name is registered with the Secretary of State of Montana.

Q. Is my member number my account number?
A. Yes. The member number is the account number for the share savings account.
QIs there a minimum balance on your checking accounts?
A. There is no minimum balance on the share draft checking accounts. There is a service charge of $2.00, automatically drawn on the last business day of the month. You can opt out of receiving this fee by going paperless and viewing your statements online.
Q. How do I close my account?
A. You can stop in to the Credit Union to close out your account. If you are unable to come in, you can send us a written request with your signature to close your account.
QHow do I get a copy of my credit report?
A. You can access your free credit report annually at
Q. What are my Wiring Instructions?
A. Wire to: Millennium Corporate Credit Union. ABA #301180111, Wichita KS.
     Credit: RCFCU (Ravalli County Federal Credit Union) ABA #292977420, Hamilton MT
     Reference: Members Name, Account Number