At a glance
From its website, read 2 Nov 2026Grasslands Federal Credit Union is a credit union based in Circle, Montana. Its website describes auto loans, equipment loans, home mortgages and 1 other loan type. Where it lends: McCone County residents. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | mcconecu.com |
| Office (official list) | PO Box 79, Circle, MT 59215 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 25 Jun 2026 |
| RSSD ID | 628981 |
| Address | PO Box 79, Circle, MT 59215 Directions to the main office (Google Maps) |
| Website | mcconecu.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts and the state of service are not stated; small-business and equipment products appear only in one article. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | Competitive rates for purchasing new vehicles, with flexible terms to fit your budget. | source |
| Equipment loans | — | Equipment Financing: Equipment financing to buy or lease equipment for the business without putting a lot of money in it initially. | source |
| Home mortgages | — | McCone County Federal Credit Union offers competitive rates on conventional mortgages, making it an attractive option for first-time buyers. | source |
| Small-business loans | — | Small Business Loans: As created to assist individuals in getting the capital required for start-up capital, expansion or operational expenses. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
McCone County residents
We are a community chartered federal credit union offering a full line of services to McCone County residents
source
Counties this matches: McCone County, MT
Borrower focus
- First-time homebuyers
we are dedicated to helping first-time homebuyers navigate this process with ease.
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. No need to visit our offices as you can apply online through our website in a few clicks method.
source
Pages read (7)
- https://mcconecu.com/
- https://mcconecu.com/how-credit-unions-support-local-businesses/
- https://mcconecu.com/auto-loan/
- https://mcconecu.com/comparison-of-loan-types/
- https://mcconecu.com/guide-to-buying-your-first-home/
- https://mcconecu.com/understanding-different-loan-options/
- https://mcconecu.com/financial-planning-tools-before-buying-a-home/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your equipment loans and small-business loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$2.1 million in 3 awards from the U.S. Treasury's CDFI Fund, 2020–2021 (CDFI Program, Technical Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2021 | CDFI Program, Technical Assistance | $125,000 |
| 2020 | CDFI Program, Technical Assistance | $125,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as GRASSLANDS (charter 11030). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $141.5 million (as of 30 Jun 2026) |
|---|---|
| Members | 3,875 (as of 30 Jun 2026) |
| Offices | 2 (as of 30 Jun 2026) |
Offices by state and county (2)
Montana (2 offices)
- Fallon County (1): 118 1st St, Baker 59313
- McCone County (1): 320 Main, Circle 59215 (main office)
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Grasslands Federal Credit Union (NCUA charter 11030, filed as “GRASSLANDS”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $74 million, 1,838 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 1.4% from $75.1 million on 30 Jun 2025 |
| Members | 3,875 (as of 30 Jun 2026); 3,861 (as of 30 Jun 2025) |
| Loans per member | $19,109 (total loans divided by members, 30 Jun 2026) |
| Total assets | $141.5 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $2 million | 2.7% |
| Used vehicle loans | $6.1 million | 8.2% |
| First-lien home mortgages (1-4 family) | $17.9 million | 24.2% |
| Other real estate loans (junior liens, other) | $23,928 | <0.1% |
| Commercial (business) loans | $41.8 million | 56.5% |
| Credit cards | $318,849 | 0.4% |
| Other unsecured loans | $207,479 | 0.3% |
| Leases and other secured loans | $5.7 million | 7.7% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $141.5 million | Larger than 42% of the 284 other certified credit unions nationwide (median $182.7 million). |
| Loans as a share of assets | 52% | Median of the same 284 credit unions: 70%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $75.1 million → $74 million (-1%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 167 → 167. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 42% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 167 → 167 of 283 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Circle and Montana
- Clearwater Federal Credit UnionCredit union · Missoula, MTEnergy / solar / efficiency loans, Home mortgages, Personal / consumer loansVerified
- Great Falls Development Authority, Inc.Loan fund · Great Falls, MTSBA-backed loans (7(a)/504/Community Advantage), Small-business loansVerified
- Montana Community Development CorporationLoan fund · Missoula, MTSmall-business loansVerified
- Montana Homeownership Network, Inc. TheLoan fund · Great Falls, MT · Native CDFIAffordable housing development loans, Home mortgagesVerified
- NACDC Financial Services Inc.Loan fund · Browning, MT · Native CDFICredit-builder loans, Small-business loansVerified
- Peoples Partners for Community DevelopmentLoan fund · Lame Deer, MT · Native CDFIAgriculture / farm loans, Credit-builder loans, Personal / consumer loans, Small-business loansVerified
Work at Grasslands Federal Credit Union? Link to this page
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