Lincoln County Credit Union

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A short history of Lincoln County CU

Since its inception in 1957 the Lincoln County Credit Union has been serving its members in the Libby, Montana area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Lindsay Beaty, the Lincoln County CU has grown its membership to over 5,602 with assets of more than $112,282,017. They have a main office and 3 branch offices. Please see the credit unions website or contact them by phone at (406) 293-7771 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Libby, MT.

General Information For Lincoln County CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 63199
Address PO Box 1586 
City Libby 
State Montana 
Zip-Code 59923
Phone Number (406) 293-7771
Fax Number (406) 293-3236
Email Address:
CEO/President Lindsay Beaty
Members 5,602 
Full-Time Employees 11 
Part-Time Employees
Number of Branch Offices
Total Assets 112,282,017 

Compare Lincoln County Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Kootenai Valley CU Kootenai Valley Federal Credit Union 1010 Minnesota Ave 59923 (406) 293-6421 No 10.28

Lincoln County Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Lincoln County Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 8.90 2.93 4.08 4.54 4.48
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 151 136 212 209 165
Rank Among All Montana Credit Unions 5 7 12 17 6

Lincoln County Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.30 0.35 1.39 0.50
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 88 89 104 227
Rank Among All Montana Credit Unions N/A 5 4 2 13
Lincoln County Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 8.9009891,733,877
All Other Unsecured Loans/Lines of Credit 9.120168554,422
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.930531,053,622
Used Vehicle Loans 4.0805766,357,265
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.54037228,011,401
Total Other Real Estate Loans/Lines of Credit 4.480281,102,566
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 4.8301632,927,578
TOTAL LOANS & LEASES 2,34941,740,731

Lincoln County Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 213,126,4964848,650
    b. 15 Years or less 1949,374,0988600,089
    a. > 15 years 454,927,9755496,000
    b. 15 Years or less 1078,465,7848628,350
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 149,38500
Adjustable Rate > 1 yr 42,067,66300


Closed-End Fixed Rate 17353,698255,000
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 11748,8689717,009
Open-End Fixed Rate 0000
TOTALS 40029,113,967363,345,098


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Lincoln County Credit Union Member Offerings
First Time Homebuyer Program Yes
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards No
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit No
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes