You’re all about your community 

Credit unions like Rocky Mountain Credit Union are founded and run in the same communities where they operate. Finance isn’t one size fits all, and financial institutions shouldn’t be either. If you’re proud of your hometown, keep your money someplace close by. When your hard-earned dollars stay in the community, everyone benefits. 

You want to make the most of your money 

Pay less and earn more: that’s the dream, right? Credit unions are known for lower interest rates on credit cards and personal loans and higher dividend rates on savings accounts. That’s because members are the owners of the credit union, so they get the profits distributed to them in those higher rates and lower credit card APRs. The more you save by paying less, the more wealth you can grow through the years. And as your financial situation evolves, your credit union can help you at whatever stage you’re in. 

You like putting a face to your financial institution 

If you’re the type of person who hates sitting on hold to talk to a robot that can’t even forward your call to a real person, a community credit union could be the best choice for you. You can go into your branch and talk to a person—in person—whenever you want to. And when you call, you’re talking to those same friendly people you’ve built a relationship with over the years. It’s a much more personal way of managing your money. 

You want your money to help people 

Big banks are beholden to their shareholders, who want to make as much money as possible. As not-for-profit entities, credit unions have their members to answer to. That’s why credit unions distribute profits to members in the form of higher dividend rates. And it also means that they tend to put ethics above profits when it comes to investments. 

Your money isn’t just sitting in a vault when you entrust it to a financial institution: the bank invests it to help it grow and benefit stakeholders. RMCU is intentional about where investments go, and Rocky also takes the opportunity to give back through scholarship funds and other forms of giving. Members make that kind of community engagement possible. 

If you’re ready to make the credit union commitment (it’s painless, we promise!), apply with Rocky Mountain Credit Union. There are a few ways to qualify, and then it’s easy to open an account online or in person in Bozeman, Belgrade, Butte or Helena. State of Montana employees qualify, and so do relatives of current members, employees of certain businesses, MSU alums, or people who live or work in some Southwest Montana counties. Open your account, and find your community credit union.