Lincoln County

PO Box 1586, Libby, MT 59923

NCUA Insured4.0 (16 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1957

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 Libby, 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

2 charter

Established in 1957

Low-Income Designated

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 1586

Libby, MT 59923

Google Maps 🗺Waze

(406) 293-7771

Service Area

This credit union is located in Libby and serves members in the MT area. Currently serving 5,687 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

6.50%

Used Auto Loan

7.50%

Personal Loan

10.25%

Credit Card APR

10.90%

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

4.0

16 Google reviews

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

View on Google Maps

Zya & Luke

11 months ago

Been with them for years (since I was a little kid) and have had several issues with them trying to rip me off over the years and now I just found out that they're charging me $5 a month for my savings account because I don't use it frequently enough. Such BS. How businesses like this which are so obviously anti-customer, are still in existence is beyond me. I'm a disabled veteran with limited income and they try to pinch me for every penny they can! So many companies out there that offer much better customer service and no surprise fees! They won't even let you cash checks for free anymore unless you have a certain amount in your account. They just want to scam you out as much money as they can! I'd recommend PayPal or Chime. Excellent customer service and no unexpected fees with any of my accounts! And at least with PayPal they'll protect you no matter what! That's why I use PayPal for most of my financial/business dealings, never once have i had an issue with PayPal over the years, and they offer free online cash checking and a savings account, none of which cost me any fees! Its 2025 do better LCCU! It's your only option if your business wants to have a future, because there are so many better options out there!

Debra Behnia Tehrani

6 months ago

It says your open until 1pm online here. But you're not. I came, I saw, I left flat broke.

Cindy Buell

a year ago

I recently applied for an increase in credit limit on my Visa. Jen was amazing! She is knowledgeable, efficient, smart, energetic, happy, and a joy to work with. I think she needs a raise - just because ;-)

lwardens

7 years ago

I've had an account with Lincoln County Credit Union for almost 30 years. They consistently surprise me with their professionalism, services, and ability to get me out of a bind. I have done business with other banks, but keep LCCU as my primary bank because they don't charge extra fees, have great hours, are always available by phone or email, and generally have great service. They are handling all of my banking needs better than any multi-billion dollar international bank ever has!