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The Morning Star

PO Box 955, Lame Deer, MT 59043
NCUA Insured4.2 (38 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 2022

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

Location & Directions

Address

PO Box 955

Lame Deer, MT 59043

Service Area

This credit union is located in Lame Deer and serves members in the MT area. Currently serving 2,344 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.

Personal Loan

15.00%

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(2 total)

Member Reviews

4.2

38 Google reviews

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

View on Google Maps
Irma Avila

Irma Avila

6 months ago

I refinanced my auto loan through Mountain Start FCU and Victoria helped me get all the paperwork done and submitted accurately she even stayed past closing time to help me. Victoria was extremely friendly and professional. 10/10 recommend this credit union!

Cessy Carreon

Cessy Carreon

9 months ago

Everyone in the office cuz so nice. Ms. Gabby has helped us multiple times to get a loan. They all go way over my expectations when I have any problems and questions. I only wish they had more branches in El Paso. I know they are adding a mobile unit soon.

Veronica Gurrola

Veronica Gurrola

10 months ago

Elsa made it possible to get a auto loan and have our other vehicle refinanced! She is very professional and helpful! Thank you Elsa!!!! 🙂

George “G2” Gomez

George “G2” Gomez

2 years ago

I have been a member of MSFCU since 1973. I have belonged to several credit unions and banks in my lifetime and have found MSFCU with the excellent personal service, with well trained staff and management with high integrity and care towards its members. 2/5/2024 G2

Alfredo Jr. Porras

Alfredo Jr. Porras

3 years ago

I thought I would be dealing with a professional institution despite it being such a small operation. I was told I was approved for a refi, I have the great score, good income and years at my job and residence. I answered the application correctly to include all their pre-requisite questions. I drive across town 20 miles to turn in tax forms to be told that I was approved but she wouldn't process the refinance loan. If their loan person would do their job and pay attention to the paperwork, they wouldn't cost you points on your score that you just have to eat! By the way, her reasons for not processing the loan seem to be her personal judgement since I was approved by the Credit Union......can't imagine the job and the pain it could be to process disputes or claims through them if your a member.

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).