Fraud Alert: Scammers are making calls that appear to come from MECU and asking for the last 10 digits of members' debit card numbers. Do not provide this information. MECU will never call and ask for your card number.

Become a Member

Bank with a local, small business.

If you make a point to shop local, eat local, and support the small businesses that make Western Montana what it is, it makes sense to bank local too.

MECU is a small business, locally owned and locally governed. Every dollar you keep here gets put back to work in this community. Our decisions are made by people who live and work right alongside you, not by a board in another state. When you call us, you get a real, local staff member every time.

Banking with MECU is one more way to put your values into practice.

Open Your Account Today

Ready to join? Here's who's eligible.

You don't have to be an educator to bank with us. Membership is open to:

All residents of Missoula, Granite, Lake, Mineral, Ravalli, and Sanders counties

Families of current
MECU members

How to become a member

Opening an account takes just a few minutes online. All you need is a current, valid photo ID.

Note: If your address doesn't match your ID, you must provide one recent monthly bill (utility, phone, or credit card) showing your current address. All signers on the account will need to provide their own ID.

Start Your Application

What is a credit union, anyway?

A credit union works a lot like a bank, but with one big difference: we're owned by our members, not shareholders.

Instead of going to investors, our profits go back to you through better rates, lower fees, and services designed around your needs. Our board of directors is made up of local, unpaid volunteers, elected by our members.

At MECU, we've been living the credit union philosophy of "People Helping People" since 1996. That's not a tagline. It's how we operate.

Create An Account

What you get as a member

MECU is big enough to offer the same products you'd find at a larger institution, and small enough to actually know your name.

As a member, you have access to:

Free checking accounts with real rewards (up to 4.00% APY or 6% cash back through Kasasa)
Low rates on personal, auto, home, and recreational vehicle loans
Home equity loans and mortgages with exceptional service
Share savings, money market accounts, and share certificates
Digital and mobile banking, text banking, and CardNav debit card controls
Fraud protection tools and local support when something goes wrong

Ready to make the switch?

Join a financial institution you can feel good about. Your dollars stay local, your decisions get made by neighbors, and your banking actually works for you.

Open Your Account Today

Questions? Call or text us at (406) 728-1034, or stop by our branch. We'd love to meet you.

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