Personal Loans · Montana
40 credit unions in Montana report personal loan rates to the NCUA. Rates range from 7.13% to 16.25%.
Updated Q1 2026 · NCUA Call Report data
40
CUs Reporting Rates
7.13%
Lowest Rate
11.37%
State Average Rate
27
Cities Covered
40 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | INTREPID Helena | 7.13% | 12.92% |
| 2 | RUSSELL COUNTRY Great Falls | 8.50% | — |
| 3 | COMMUNITY 1ST Miles City | 9.02% | 13.92% |
| 4 | DEER LODGE COUNTY SCHOOL EMP Anaconda | 9.10% | — |
| 5 | BILLINGS Billings | 9.24% | 13.00% |
| 6 | SOUTHWEST MONTANA COMMUNITY Anaconda | 9.43% | 11.95% |
| 7 | BUTTE COMMUNITY Butte | 9.44% | 8.90% |
| 8 | ALTANA Billings | 9.49% | 9.95% |
| 9 | MONTANA EDUCATORS' Missoula | 10.00% | 9.90% |
| 10 | NORTHERN MONTANA HOSPITAL Havre | 10.14% | — |
| 11 | LINCOLN COUNTY Libby | 10.25% | 10.90% |
| 12 | ST. PATS EMPLOYEES Missoula | 10.74% | — |
| 13 | RICHLAND Sidney | 10.74% | — |
| 14 | RAVALLI COUNTY Hamilton | 10.76% | 9.90% |
| 15 | CLEARWATER Missoula | 10.88% | 11.58% |
| 16 | MILE HIGH BUTTE | 10.93% | 9.90% |
| 17 | DANIELS-SHERIDAN SCOBEY | 11.00% | 9.99% |
| 18 | BITTERROOT COMMUNITY DARBY | 11.00% | — |
| 19 | WOLF POINT Wolf Point | 11.00% | — |
| 20 | SEG LAUREL | 11.13% | — |
| 21 | M D U EMPLOYEES Glendive | 11.15% | — |
| 22 | BADLANDS Glendive | 11.18% | — |
| 23 | NORTHWESTERN ENERGY EMPLOYEES BUTTE | 11.20% | 9.90% |
| 24 | WHITEFISH CREDIT UNION ASSOCIATION Whitefish | 11.27% | 10.98% |
| 25 | GLENDIVE BN GLENDIVE | 11.66% | — |
| 26 | THE FAMILY FIRST Great Falls | 11.84% | 12.90% |
| 27 | ROCKY MOUNTAIN Helena | 11.99% | 16.99% |
| 28 | MOUNTAIN WEST Butte | 12.00% | 1.00% |
| 29 | PARK SIDE FINANCIAL Whitefish | 12.09% | 13.75% |
| 30 | VALLEY FINANCIAL Billings | 12.49% | 13.49% |
| 31 | FERGUS Lewistown | 12.60% | 8.80% |
| 32 | GRASSLANDS CIRCLE | 12.63% | 13.90% |
| 33 | RIMROCK BILLINGS | 12.88% | 8.99% |
| 34 | VOCAL HELENA | 12.94% | 10.80% |
| 35 | 1ST LIBERTY Great Falls | 13.00% | 13.00% |
| 36 | MONTANA Great Falls | 13.29% | 11.90% |
| 37 | SKY Livingston | 13.33% | 11.41% |
| 38 | THE MORNING STAR Lame Deer | 15.00% | — |
| 39 | TRICOUNTY Harlowton | 16.00% | — |
| 40 | FORT PECK COMMUNITY Fort Peck | 16.25% | — |
Personal loans from credit unions are commonly used for debt consolidation, home improvements, medical bills, or major purchases. Unlike auto loans, they're unsecured — no collateral required — which is why rates are slightly higher than car loans.
Yes. If you have credit card balances at 20–25% APR, replacing them with a credit union personal loan at a lower rate can save hundreds or thousands in interest. The key is to not run up the cards again after paying them off.
These rates come from NCUA Call Report (5300) filings — quarterly financial reports that all federally insured credit unions must submit. They reflect each CU's weighted-average rate on outstanding unsecured personal loans, not a minimum advertised rate.
A $10,000 balance at 24% APR paying $250/month costs ~$2,800 in interest. At 12% APR, the same payment saves over $1,500. Run the numbers before committing.
Many credit unions offer loans secured by your own savings at very low rates — useful for building or rebuilding credit history. Ask specifically if you're in credit-building mode.
See all credit unions by city, filter by rates, and check Google ratings.