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Seg Credit Union

Overview
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Seg Credit Union is a federal credit union based in Laurel, Montana. It has been opened since 1951, for 69 years.

With around $15,840,000 in assets, Seg Credit Union is considered to be a medium size credit union.

About
Address Po Box 69
Laurel, Montana 59044
Website http://www.segfcu.com
Phone (406) 628-7711
Fax (406) 628-5759
CEO Janice M. Lehman
President of the Board Dale Blom
Services Offered
Map
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Score Card
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69 years
Years in business
Opened in 1951
Well Capitalized
Net worth classification
Source: NCUA
1,778 members
Membership type: Multiple common bond – primary transportation
Below average number of members
356:1
Credit union member to staff ratio
356 per each FTE employee
Compared to 411:1 nationally
Average number of staff
$15,836,109
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 2 in Montana
Average number of branches
0.15%
Savings interest rate
Compared to 0.3% nationally
Branches
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1 branch
Compared with an average of 4 nationally and 2 in Montana
Average number of branches
Seg Credit Union Branch Locations

Seg Federal Credit Union
617 SE 4th Street
Laurel, Montana 59044
No ATM
Members
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1,778 members
Membership type: Multiple common bond – primary transportation
Below average number of members

With 1,778 members, the Seg Credit Union is considered to be a small credit union. It is smaller than 68% of credit unions.

Fees
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$109
Average fee per member
The average fee per member at the Seg Credit Union is $109, which is very high compared to most credit unions. This rate is higher than 88% of all credit unions.
Fees are higher than 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 Seg Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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356:1
Credit union member to staff ratio
356 per each FTE employee
Compared to 411:1 nationally
Average number of staff
5 staff members
FTE (full-time equivalent)
0% of employees are part-time
5 full-time, 0 part-time

Seg Credit Union has 5 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. Seg Credit Union has around 356 members per staff, an average ratio compared to other credit unions. This is a somewhat well staffed credit union.

Assets
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$15,836,109
Total assets
Below average
Net worth
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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.
12.1%
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
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$12,222
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 66% of credit unions.

Seg Credit Union holds a total of $11,460,000 in loans and leases, which is about $12,222 per member on average.

Savings interest rate
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0.15%
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. Seg Credit Union pays 0.15%.

Loan rates
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13.00%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
13.00%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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2.99%
New car loan rate
Compared to 4.0% nationally
3.49%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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5.75%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
5.75%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally