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Montana Educators'

PO Box 2668, Missoula, MT 59806
NCUA Insured4.8 (13 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1995

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

Location & Directions

Address

PO Box 2668

Missoula, MT 59806

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(406) 728-1034

Service Area

This credit union is located in Missoula and serves members in the MT area. Currently serving 1,678 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

5.15%

Used Auto Loan

5.50%

Personal Loan

10.00%

Credit Card APR

9.90%

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

4.8

13 Google reviews

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

View on Google Maps
David Moore

David Moore

7 months ago

If you want great customer service, bank at MECU!

Dale Woodhouse

Dale Woodhouse

2 years ago

Best customer service from any bank I have ever experienced! I need a quick turn on some documents and it was done within 24 hours. I cannot highlight enough how helpful everyone is at MECU.

Cass Rocco

Cass Rocco

5 years ago

I have worked with some big banks of western Montana (not well) and with MECU for many years. I tell anyone who will listen that MECU is the BEST! The staff is friendly, helpful and always knowledgeable. I highly recommend MECU they are professionals.

Brendan

Brendan

4 years ago

I came here because of the positive reviews, and so far I can say that the customer service is excellent. The team here makes thing smooth and straightforward. There are great offers on checking/savings account also.

Joe Powers

Joe Powers

5 years ago

This credit union always has your back. Friendly, knowledgeable, prompt. You’re a valued member. They know you as a person, not just as an account. Highly recommend.

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).