Your Home Can Do More.
Montana’s largest credit union is coming to Missoula with great HELOC rates, flexible access, and a team that’s rooted in your community.
Why Choose a HELOC with Whitefish CU?
Your Home is More Than a Place to Live
It’s one of your most valuable financial tools. A Home Equity Line of Credit lets you unlock that value to fund what matters most, whether it’s remodeling your kitchen, consolidating debt, covering education expenses, or planning your next Montana adventure. With competitive rates and local servicing, Whitefish Credit Union makes it simple to put your equity to work.
How It Works
Apply Once
Get approved for a credit line based on your home’s equity.
Use As Needed
Access funds anytime during your 10-year draw period.
Flexible Payments
Make interest-only payments to keep costs low, or pay down principal anytime without penalty.
Balance at 10 Years
At the end of the term, any remaining balance is due in full — but you’ll have options, including paying it off, rolling it into a new HELOC, or refinancing with us.
Making Roots in Missoula, Because It Feels Like Home
Founded in 1934, Whitefish Credit Union has grown to become Montana’s largest credit union — built on trust, service, and community. Now with our new branch in Missoula, you’ll have a financial partner as committed to Montana as you are.
| Period | Dividends Paid To Members |
| Dec-24 | $8,292,098 |
| Jun-24 | $8,497,733 |
| Dec-23 | $13,992,950 |
| Jun-23 | $19,576,420 |
| Dec-22 | $19,194,211 |
| Jun-22 | $7,139,308 |
| Dec-21 | $5,086,531 |
| Jun-21 | $5,215,941 |
| Dec-20 | $6,484,093 |
How Our Dividend Rates Compare
Since 2020, we’ve paid over $90 million back to members. Watch your savings grow with our unique high-dividend rate structure. Twice a year, on June 30 and December 31, members receive dividend earnings at a special savings dividend rate based on a daily average account balance for the previous six months.
| Period | Whitefish CU's Dividend Rate | National Average Savings Account Rate* | Dividends Paid To Members |
| Dec-24 | 1.41% | 0.42% | $8,292,098 |
| Jun-24 | 1.41% | 0.45% | $8,497,733 |
| Dec-23 | 1.90% | 0.43% | $13,992,950 |
| Jun-23 | 2.25% | 0.42% | $19,576,420 |
| Dec-22 | 2.00% | 0.33% | $19,194,211 |
| Jun-22 | 0.75% | 0.10% | $7,139,308 |
| Dec-21 | 0.55% | 0.06% | $5,086,531 |
| Jun-21 | 0.63% | 0.06% | $5,215,941 |
| Dec-20 | 0.85% | 0.05% | $6,484,093 |
Missoula's New Branch Is Open. Your Banking, Your Way.
We’re excited to welcome you to our newest location at 1635 S Russell St., now serving the community with full-service banking, convenient drive-thru lanes, and 24/7 ATM access.
Ready to make the most of your home’s equity?
Apply today and take advantage of great rates, flexible payments, and local service.