Home
Contents
Explore
Search

Community 1st Credit Union

Overview
Back to Top

Community 1st Credit Union is a federal credit union based in Miles City, Montana. It has been opened since 1953, for 67 years.

With around $28,280,000 in assets, Community 1st Credit Union is considered to be an average size credit union. It has 2 branches and 2 ATM locations.

About
Address 2905 Main Street
Miles City, Montana 59301
Website http://www.c1stfcu.org
Phone (406) 234-2550
Fax (406) 234-3127
CEO John T. Gillette
President of the Board Keith Bogner
Services Offered
Map
Back to Top
Score Card
Back to Top
67 years
Years in business
Opened in 1953
Well Capitalized
Net worth classification
Source: NCUA
3,488 members
Membership type: Community credit union
Average number of members
436:1
Credit union member to staff ratio
436 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$28,277,826
Total assets
Average size
2 branches
Compared with an average of 4 nationally and 2 in Montana
Above average number of branches
0.35%
Savings interest rate
Compared to 0.3% nationally
13.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
Back to Top
2 branches
Compared with an average of 4 nationally and 2 in Montana
Above average number of branches
Community 1st Credit Union Branch Locations

Community 1st Credit Union: Ekalaka Branch
104 S. Main Street
Ekalaka, Montana 59324
ATM Available
Community 1st Credit Union: Main Office
2905 Main Street
Miles City, Montana 59301
ATM Available
Members
Back to Top
3,488 members
Membership type: Community credit union
Average number of members

With 3,488 members, the Community 1st Credit Union is considered to be a medium size credit union. It is larger than 48% of credit unions.

Fees
Back to Top
$41
Average fee per member
The average fee per member at the Community 1st Credit Union is $41, which is comparable to most credit unions. This rate is lower than 56% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Community 1st Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
Back to Top
436:1
Credit union member to staff ratio
436 per each FTE employee
Compared to 411:1 nationally
Fewer staff
8 staff members
FTE (full-time equivalent)
0% of employees are part-time
8 full-time, 0 part-time

Community 1st Credit Union has 8 full-time staff members and 0 part-time staff members.

The number of members relative to staff members is an indication of how well staffed the credit union is. Community 1st Credit Union has around 436 members per staff, a higher ratio compared to other credit unions.

Assets
Back to Top
$28,277,826
Total assets
Average size
Net worth
Back to Top
Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.3%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
Back to Top
$19,049
Average loan and lease size
Loan & lease sizes are big! They are bigger than at 90% of credit unions.

Community 1st Credit Union holds a total of $22,210,000 in loans and leases, which is about $19,049 per member on average.

Savings interest rate
Back to Top
0.35%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Community 1st Credit Union pays 0.35%.

Loan rates
Back to Top
13.99%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
8.69%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
5.69%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
Back to Top
4.69%
New car loan rate
Compared to 4.0% nationally
5.67%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
Back to Top
4.80%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
5.08%
Other real estate loan rates
Compared to 0.9% nationally