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Intrepid

PO Box 159, Helena, MT 59624
NCUA Insured2.8 (69 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1936

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

Location & Directions

Address

PO Box 159

Helena, MT 59624

Service Area

This credit union is located in Helena and serves members in the MT area. Currently serving 18,666 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

4.92%

Used Auto Loan

6.69%

Personal Loan

11.19%

Credit Card APR

13.33%

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).

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

Branches & Locations(7 total)

Member Reviews

2.8

69 Google reviews

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

View on Google Maps
mattlinda allen

mattlinda allen

3 months ago

I have been a member for many years. This nickel and diming members is stupid. $5 to transfer money between my own accounts on the phone, really? Charged me $20 to close checking and $20 for savings. They charged me $15 to start the accounts. My parents left 6 digits of cash in old bank, and they will probably change to a different financial institution to do their banking and investments. You people just screwed your selves and lost a substantial customer .

Casey Bayes

Casey Bayes

a year ago

I've financed vehicles and two horse trailers through Intrepid in Helena in the last several years. Intrepid employees have always been extremely knowledgeable, helpful and friendly. They do a great job. Everything is easy when I've gone through them.

Yondan44

Yondan44

a year ago

Extremely bad credit union, do not use this credit union, will not work with you, They charge you an inactivity fee if you don't use one of your accounts and don't even notify you about it. Another way they scam your money off of you. They told me it was a state requirement to charge this fee, but research shows it is not a state requirement, so they also lied to me. This is a scam credit union, they don't care about their members. If I could give them a negative star number I would as they don't even rate 1 star.

Mindy Welch

Mindy Welch

2 years ago

I have had an account with Intrepid since 2021. My account is set up so I can only receive estatements. I have not received a single statement since March 2023.I have called and emailed about this issue several times. Each time I was told the situation had been rectified and I would have statements soon. Now this has been going on for months now. Then today I received a notice from one of my automatic payments account telling me my card was declined. I wentbto the store a few days ago and again my card is declined ever since I brought up my statement issue. Now they tell me my account was breached and they have locked my card. No one called or emailed me to let me know what happened they just waited until I contacted them to tell me what happened. I called again today and got more run around. Whatever you do avoid this place. Poor customer service.

marc devogele

marc devogele

2 years ago

They have high overdraft charges, high interest when my credit is decent, and they lock my card on payday when I try and use cashapp even when I call them twice it still stays locked. Abby on the other end of the phone, her phone cuts out constantly and she has been extremely unhelpful. Stay away from this bank.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).