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Richland

201 W Holly St, Sidney, MT 59270
NCUA Insured3.9 (12 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1939

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

Location & Directions

Address

201 W Holly St

Sidney, MT 59270

Google Maps🗺Waze
(406) 482-2704

Service Area

This credit union is located in Sidney and serves members in the MT area. Currently serving 4,872 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

5.84%

Used Auto Loan

6.62%

Personal Loan

10.97%

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

3.9

12 Google reviews

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

View on Google Maps
Alicia Esterby

Alicia Esterby

9 months ago

No issues with the bank itself, customer service skills are lacking by any of the ladies who answer the phone. Kind of rude and snarky.

Willie Peyatt

Willie Peyatt

8 years ago

I would describe my experience with Richland Federal Credit Union, as the best I have had with any financial institution ever. First the staff was eager to answer every question I had. They helped me in a very professional manner, as I opened up an account, applied for loans, etc. I would recommend Richland Federal to my closest family member, or friend. Willie P

Vulsroy C

Vulsroy C

5 years ago

I love Richland federal credit union. No problems at all and the service is wonderful. I will recommend to family and friends. I had some issues with other banks but not this one.

Sarah Lessor

Sarah Lessor

6 years ago

I received a letter in the mail saying they were going to shut down my account. So I went and spoke to them (took them the letter and everything) and they informed me I had 45 days to pay the -$13.97. So the next day I go in to pay and they closed my account that morning. I’ll never bank with them again, or refer them to anyone.

Briana Lassey

Briana Lassey

5 years ago

They dont take money from you for not spending it how they tell you like Wells Fargo does. You have local people helping you, they recognize you, and are able to help.

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).