--- title: "Montana Educators' Credit Union Rates - Montana" description: "Current vehicle loan, heloc, personal loan, and credit card rates from Montana Educators' Credit Union in Montana. Updated daily with source verification. See who can join Montana Educators' Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/montana/montana-educators" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Montana Educators' Credit Union Rates - Montana ### Auto & vehicle rates 6 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan (2017 and Newer)** auto | — APR | 5.250% | — | Standard | | **Used Auto Loan (2016 and Older)** auto_used | — APR | 6.600% | used | Standard | | **RV’s and Boats 2017 and newer** rv | — APR | 7.000% | — | Standard | | **Off Road Vehicles 2019 and newer** powersports | — APR | 8.000% | — | Standard | | **RV’s and Boats 2016 and older** rv_used | — APR | 8.250% | used | Standard | | **Power Vehicles 2019 and newer** auto | — APR | 9.000% | — | Standard | Montana Educators' Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Home Equity Loan (Fixed)** heloc_fixed | — APR | 7.500% | — | Standard | Montana Educators' Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Share & Money Market Secure Loan** personal_secured | — APR | 3.000% | — | Standard | | **Signature Loan** personal_unsecured | — APR | 10.000% | — | Standard | | **Overdraft Protection LOC** personal | — APR | 12.000% | — | Standard | Montana Educators' Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 7.900% | — | Standard | Montana Educators' Credit Union credit card rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Mobile Homes 1976 and newer** other | — % | 8.500% | — | Standard | Montana Educators' Credit Union other rates as of November 12, 2026 Montana Educators' Credit Union is a credit union in Montana. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/montana/montana-educators) , verified from [Montana Educators' Credit Union's official website](https://mtedcu.org/) Loading branch locator… ## About Montana Educators' Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 1.7K Assets $35.2M Founded 1995 Locations reported 2 NCUA charter 68190 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Financial counseling - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Clearwater** Clearwater - SS · Missoula · MT · 59801 Branch in the same ZIP](https://rateapi.dev/credit-unions/montana/clearwater) [**Whitefish Credit Union Association** Whitefish Credit Union - Missoula Office · Missoula · MT · 59801-5636 About 0.4 miles away](https://rateapi.dev/credit-unions/montana/whitefish-credit-union-association) [**Horizon** Brooks Branch · Missoula · MT · 59801-7811 About 0.6 miles away](https://rateapi.dev/credit-unions/washington/horizon) [**Park Side Financial** West Broadway · Missoula · MT · 59802 About 1.4 miles away](https://rateapi.dev/credit-unions/montana/park-side-financial) [**St. Pats Employees** St. Pat's Employees Federal Credit Union · Missoula · MT · 59802-4008 About 1.4 miles away](https://rateapi.dev/credit-unions/montana/st-pats-employees) [**Mountain America** 0167 Missoula Reserve St · Missoula · MT · 59808 About 2.9 miles away](https://rateapi.dev/credit-unions/utah/mountain-america) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Montana Educators' Credit Union Membership eligibility from Montana Educators' Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Montana Educators' Credit Union's website. Check the membership page below to confirm whether you qualify. - Location missoula, granite, lake, mineral, ravalli, sanders — MT Verified from [Montana Educators' Credit Union's membership page](https://mtedcu.org/about-us/become-a-member) . Final membership determination is always made by the credit union. ## Membership rules for Montana Educators' Credit Union Geography 6 counties · Family 7 published paths to membership, last verified September 13, 2026, quoted from Montana Educators' Credit Union’s own published criteria. ### Geography 6 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Granite County, MT - Lake County, MT - Mineral County, MT - Missoula County, MT - Ravalli County, MT - Sanders County, MT “All residents of Missoula, Granite, Lake, Mineral, Ravalli, and Sanders counties” > [source ↗](https://mtedcu.org/about-us/become-a-member) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified September 13, 2026 - Family of a member family “Membership is open to: All residents of Missoula, Granite, Lake, Mineral, Ravalli, and Sanders counties Families of current MECU members” > [source ↗](https://mtedcu.org/about-us/become-a-member) - Family member (family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Montana Educators' Credit Union? Yes No ## Work at Montana Educators' Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Montana Educators' Credit Union ranks against Montana peers. - See which AI assistants fetched Montana Educators' Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Montana - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=montana-educators&state=montana&code=MT&name=Montana%20Educators'%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Montana Educators' Credit Union offer? Montana Educators' Credit Union currently offers vehicle loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Montana Educators' Credit Union rates updated? RateAPI verifies Montana Educators' Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Montana Educators' Credit Union's rate data? Rate data is collected directly from Montana Educators' Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Montana Educators' Credit Union? Montana Educators' Credit Union publishes its membership criteria on its own website. RateAPI tracks 7 published membership paths covering 6 counties for Montana Educators' Credit Union, each quoted from Montana Educators' Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Montana Educators' Credit Union's rates against national credit-union benchmarks. [More Montana credit unions](https://rateapi.dev/credit-unions/montana) [Montana auto loan rate leaders](https://rateapi.dev/auto-loan-rates/montana) [Montana HELOC rate leaders](https://rateapi.dev/heloc-rates/montana) [Montana personal loan leaders](https://rateapi.dev/personal-loan-rates/montana) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://mtedcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Montana Educators' Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Montana credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Montana Educators' Credit Union curl "https://api.rateapi.dev/credit-unions/montana /montana-educators " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Montana Educators' Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/montana/montana-educators Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp