Welcome to Southwest Montana Community Federal Credit Union

Attention Visa Card Users
The APR for VISA Account Purchases, Balance Transfers and Cash Advances has changed effective with this billing period from 8.25% to 8.5%.  Your VISA Account APR is tied to an Index of the Prime Rate which increased in December, 2015.  This APR can either be increased or decreased as often as once per quarter if the Prime rate changes during that time.  If you shop for VISA rates you know that Southwest's VISA rate is the best in the state, even after this change!  No Kidding.

Join Us

The credit union serves people of all ages, life stages and levels of wealth. Most banks and savings and loan organizations aim for profit, but a credit union exists specifically to serve its members. If you’re looking for a financial institution that sincerely cares, we invite you to learn more about becoming a member.


I want to become a member.

It’s easy to become a credit union member, it happens when you simply open an account. All our members are part owners of the institution. They have the confidence of knowing that not only are their finances in capable hands, but that we are here not for profit or charity, but for service.


I want to open a savings account.

Our financial services are tailored to meet the needs of both current and potential members. We offer the same services as a typical bank or lending agency, including savings, checking and loans. However, rather than profitability we focus on service.


What is a Credit Union?

Whether you are interested in a checking account or loan, the credit union can meet your needs. We take pride in our commitment to providing financial services with a personal touch. Please feel free to contact us to learn more about our services and mission.