Thank you for choosing Billings Federal Credit Union for your financial needs. You are minutes away from opening your account!


  • If you are a NEW MEMBER at the Credit Union and would like to apply for membership and accounts, click here to get started.
    • Already Applied? Click here to check revisit your application.
  • If you are an EXISTING MEMBER at the Credit Union and would like to add additional accounts to your membership, login to Online Banking and select the Open Account tab.


Quite simply, we’re a community credit union. If you live, work, attend school, or worship in Yellowstone, Big Horn, or Carbon Counties, Montana, you’ve found your credit union!  Membership is also open to your family members.

Our Mission Statement
We improve the quality of our members’ lives by delivering sound financial solutions.

Member Promise
We promise to:
Simplify your life
Work in your best interest
Provide options to help you achieve financial success
Protect your privacy

Who can be a member of Billings Federal Credit Union?

Anyone who lives, works, worships or attends school in Yellowstone, Big Horn or Carbon Counties, Montana is eligible to become a member of Billings Federal Credit Union. Family members of current members are also eligible.

Why the term “Member”?
Billings Federal Credit Union is a not-for-profit financial cooperative. As a cooperative, the members of the credit union, the people who use its services, own the Credit Union. At BFCU, you are more than just a customer; you are a part owner of the financial institution where you do business.

Why is this important?
Because BFCU is a not-for-profit cooperative, owned by its membership, there are no stockholders that must be paid from income. Income from operations is returned to members (the owners) in the form of lower rates on loans, competitive rates on savings, fairly priced services, and by investing in technology and products that improve service to the membership.

The Billings Federal Credit Union Board of Directors is made up of volunteers from the membership. All members are allowed to vote for Directors at the Credit Union annual meeting.

A Bit of History
Billings Federal was established in 1935 as a federally chartered Credit Union. In our over 80-year history, we have continued to grow. In 1999 BFCU was granted an amended charter allowing us to serve people who live, work, attend school or worship in Yellowstone, Big Horn or Carbon Counties, Montana. In 2002 a Billings Federal Credit Union office was opened in Billings West End, followed by a Heights office in April of 2004.

Expect a Difference
One thing that has not changed in 80-plus years is our commitment to service and providing sound financial solutions for people who use Credit Union services. Over the years, our members have come to expect these things from Billings Federal. As a member, you too can depend on a full line of financial products and services, competitive rates and low fees, and personal, professional service from our staff.

To join Billings Federal Credit Union, simply call, visit us in person,
or send us a message

For more information on Credit Unions, see the Credit Union National Association (CUNA) Web page at

USA PATRIOT Act requires identity verification for all new accounts.
Important Information About Procedures for Opening A New Account:
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.