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Richland Federal Credit Union
201 West Holly Street
Sidney, MT 59270
(406) 482-2704


Culbertson Branch

18 East 2nd Street
PO Box 479
Culbertson, MT 59218
(406) 787-5890

About Richland Federal Credit Union

Needing a helping hand, not a handout, 50 enterprising individuals signed on to establish a new federal credit union in Sidney, MT on March 21, 1939. It was the midst of the Great Depression, and many local families of modest means were unable to get credit from existing financial institutions. Today, RFCU has grown to 15 full- and part-time employees serving more than 4,500 members and offering a wide range of financial services from farm operating loans, to school loans, to retirement savings, to VISA accounts, real estate loans, and share drafts.

RFCU has seen steady growth through the years which led to the construction of new facilities in 1978 and most recently in 2009 to ensure the comfort and protect the privacy of our members. In addition, RFCU expanded its Field of Membership to include residents of Roosevelt County in 2003. 

More about RFCU:

       •  Mission and Vision
       •  How Can I Become a Member?

RFCU Mission Statement

Our credit union is a member-owned and controlled financial cooperative existing to provide the best financial services on behalf of our members, and to maintain stable, long-term financial growth.

RFCU Vision Statement

We envision Richland Federal Credit Union to be the financial institution of choice in our communities, now and in the next millennium, by maintaining Credit Union philosophy and soundness, with a driving force to constantly improve and adapt to future technological needs by assisting our members in managing their finances efficiently, providing our personal touch and high quality, cost effective products and services while strengthening the heritage of People Helping People.

To Become a Member:

Membership Eligibility
Membership in Richland Federal Credit Union is open to persons who live, work, worship or attend school in, and businesses and other legal entities located in Richland and Roosevelt counties in Montana or within 25 miles of Sidney, MT. In addition, the following persons are eligible for membership in this credit union:

  • Spouses of persons who died while within the field of membership of this credit union
  • Employees of this credit union
  • Members of an existing member’s immediate family or households
  • Organizations of existing members. 

In addition, once you become an RFCU member, you may remain a member for as long as you wish, even if you move out of our membership area (provided you keep your accounts in good standing with us). Thanks to online account access and direct deposit, you can maintain your RFCU membership no matter where you go! Once a member, always a member! In addition, as noted above, immediate family members are eligible for membership even if they live outside our membership area. 

How to Apply

If you meet the eligibility requirements above, you need only fill out a membership application form, provide the proper identification and documentation, and deposit a minimum of $50 in your CU Share (Savings) Account to become a full-fledged, voting member of your own full-service, financial cooperative - Richland Federal Credit Union.

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