Bitterroot Community

PO BOX 467, Darby, MT 59829

NCUA Insured4.6 (10 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1968

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Darby, MT may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

1 charter

Established in 1968

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

PO BOX 467

Darby, MT 59829

Google Maps 🗺Waze

(406) 821-3171

Service Area

This credit union is located in Darby and serves members in the MT area. Currently serving 2,148 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.25%

Used Auto Loan

9.08%

Personal Loan

10.35%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MT

Lowest rates currently reported by credit unions in MT (NCUA Q4 2025).

Wolf Point— New Auto Loan

Wolf Point, MT

3.00%

St. Pats Employees— Used Auto Loan

Missoula, MT

4.35%

Russell Country— Personal Loan

Great Falls, MT

8.50%

Altana— Credit Card APR

Billings, MT

7.95%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

4.6

10 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Carol Stratemeyer

2 years ago

This little Credit Union is the valley's best kept secret! Absolutely by far better that the National chain we have been using for years. Our introduction was a small loan on a new UTV - BCFCU offered an interest rate a full 1.5% less than the big one & the friendly staff is a bonus. I have, and will continue to, recommend this business!

Cortney Bibby

6 years ago

Do yourself a favor and go to Farmers State Bank. Bitterroot Federal Credit Union did not meet my expectations, which were already low because this is a small town bank. This bank released my account balance to an unauthorized entity. The CEO said she would look into why my account balance was released to an unauthorized party but she never followed through. She sent an email to investigate why my account balance was released. Something that severe warranted a phone call, not an email. The teller did not order my replacement debit card when I requested it. While talking to the CEO about the troubles I was having their phone lines went down. Once they came back up, she never called me. The staff never follows through with the things they say they will. I sent multiple emails to the CEO that were never returned. You have better options available in Darby, I suggest you use them.