--- title: Personal Banking at Rocky Mountain Credit Union description: RMCU’s personal banking options give you the tools to reach your life goals. Find the right checking and savings accounts, credit cards, and loans for you. --- [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net?hsLang=en) [Online Banking Login](https://banking.rmcu.net/auth/signin) [Online Banking Login](https://banking.rmcu.net/auth/signin) [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net?hsLang=en) - - [Home Loans](https://rmcu.net/home-loans?hsLang=en) - [Personal](https://rmcu.net/personal) - [Business](https://rmcu.net/business?hsLang=en) - [Membership](https://rmcu.net/membership?hsLang=en) - [Careers](https://rmcu.net/membership/about-rmcu/careers?hsLang=en) - [Contact Us](https://rmcu.net/contact-us?hsLang=en) - Search - [Checking](https://rmcu.net/personal/checking) - [Savings](https://rmcu.net/personal/savings) - [VISA Credit Cards](https://rmcu.net/personal/credit-cards) - [Personal Loans](https://rmcu.net/personal/loans) - [Vehicle & Recreation Loans](https://rmcu.net/personal/vehicle-loans) - [Loan & Gap Insurance](https://rmcu.net/loan-gap-insurance) ![rmcu-money-market](https://rmcu.net/hs-fs/hubfs/rmcu-money-market.png?width=1800&height=1192&name=rmcu-money-market.png) # Personal Banking ## All the financial tools to reach your life goals As your local financial partner, we’ll help you assemble the right tools to get what you want out of life. Our competitive interest rates, cash-back programs, and dividends will save you money along the way, too.  Learn more about: - [Checking accounts](https://rmcu.net/personal#checking-accounts) - [Savings accounts](https://rmcu.net/personal#savings-accounts) - [VISA credit cards](https://rmcu.net/personal#visa-credit-cards) - [Personal loans](https://rmcu.net/personal#personal-loans) - [Vehicle + Recreation loans](https://rmcu.net/personal#vehicle-recreation-loans) ![rmcu-checking-graphic](https://rmcu.net/hs-fs/hubfs/rmcu-checking-graphic.png?width=1800&height=1192&name=rmcu-checking-graphic.png) ## Checking Accounts ## “I want to keep my money local and earn rewards along the way.” Rewards aren’t exclusively for credit cards and savings accounts. Whether it’s getting paid to use your debit card or earning higher dividends, RMCU’s checking accounts go beyond the basic. [Compare Options](https://rmcu.net/personal/checking?hsLang=en) ![rmcu-hsa-ira-account](https://rmcu.net/hs-fs/hubfs/rmcu-hsa-ira-account.png?width=1800&height=1192&name=rmcu-hsa-ira-account.png) ## Savings Accounts ## “I want to save money.” Choose a savings account that gives you the right level of flexibility with your funds. - Basic savings - HSA and IRA - Under-18 savings - Money market accounts - Certificates of Deposit (CDs) [Compare Options](https://rmcu.net/personal/savings?hsLang=en) ![RMCU-visa-platinum](https://rmcu.net/hs-fs/hubfs/RMCU-visa-platinum.png?width=1800&height=1192&name=RMCU-visa-platinum.png) ## VISA Credit Cards ## “I want to spend, build my credit and earn rewards.” Choose from the Classic Card or our Visa Platinum Rewards Card – both make it easier to pay down debt, or just pay less in interest if you tend to carry a balance. Applying is a breeze, with our one-page application, 24-hour approvals, and instant card issuing at any RMCU branch. [Explore VISAs](https://rmcu.net/personal/credit-cards?hsLang=en) ![rmcu-certificate-account-1](https://rmcu.net/hs-fs/hubfs/rmcu-certificate-account-1.png?width=1800&height=1192&name=rmcu-certificate-account-1.png) ## Personal Loans ## “I want to make a large purchase” With competitive interest rates and personalized service from local loan officers, RMCU makes borrowing a seamless experience. Our diverse loan options adapt to any situation, from paying for weddings to medical expenses, and debt consolidation to overdraft lines of credit. [Learn More](https://rmcu.net/personal/loans?hsLang=en) ![rmcu-auto-loans](https://rmcu.net/hs-fs/hubfs/rmcu-auto-loans.png?width=1800&height=1192&name=rmcu-auto-loans.png) ## Vehicle + Recreation Loans ## “I want a new car or toy.” Find competitive interest rates and a quick, easy loan process. Enjoy no application fees and quick turnarounds with decisions made locally in our branches. Whether you’re in the market for a new car, boat, or RV, we make it simple and affordable to buy your new ride. [Learn More](https://rmcu.net/personal/vehicle-loans?hsLang=en) ## With any RMCU checking account, you’ll enjoy: Easy Transition From Your Old Checking Account The RMCU Switch Kit makes it a breeze to transfer your account funds, direct deposits, and other automatic payments seamlessly. Instant Debit Card Issuing Take home your new debit card the same day you open your account. Mobile Wallet Compatibility Connect your debit card to mobile wallets like Apple Pay, Google Pay, and Samsung Pay. Credit Score Insights Monitor your credit using [SavvyMoney](https://www.rmcu.net/savvy-money?hsLang=en), a perk built into your RMCU mobile and desktop app. Electronic Statements Access your account statements securely online through the mobile or desktop app. User-Friendly App Our intuitive [Rocky Mountain Credit Union Mobile App](https://play.google.com/store/apps/details?id=com.mahalo.androidmobile.rocky&hl=en_US&pli=1)makes it easy to manage your checking account. Monitor your spending, transfer funds, pay bills, and more. ![kayaking on a lake, an RMCU debit card and the Swipe Checking Logo](https://rmcu.net/hs-fs/hubfs/swipe-checking-graphic.jpg?width=1800&height=1192&name=swipe-checking-graphic.jpg) SWIPE Checking ## Earn cash back every time you use your debit card SWIPE Checking is an easy-to-use, cash-back checking account for anyone and everyone, from teens to retirees. However, unlike most basic checking accounts, SWIPE allows you to earn cash back when you swipe your debit card. Plus, it’s easy to use for [youth checking](https://blog.rmcu.net/youth-checking-swipe-checking?hsLang=en) – helping you set your teen up for financial success.  **Why You’ll Love SWIPE** - **Earn 10 cents back** for every debit card transaction after your first 10 purchases within a month. (Maximum of $15 in earnings per month.) - No minimum balance. *\*ATM transactions don’t earn rewards. All new accounts are verified with ChexSystems. Rates may change after the account is opened, and fees could reduce earnings.* [Apply Now](https://rmcu.symapp.jhahosted.com/) ## Our Local Lenders ![Kelly Boldy](https://rmcu.net/hs-fs/hubfs/2025%20Team/kelly-boldy.webp?width=1500&height=1500&name=kelly-boldy.webp) ### Kelly Boldy Senior Consumer Loan Officer 406.582.6635 Belgrade [kboldy@rmcu.net](mailto:kboldy@rmcu.net) ![michelle-clayton](https://rmcu.net/hs-fs/hubfs/2025%20Team/michelle-clayton.webp?width=1500&height=1499&name=michelle-clayton.webp) ### Michelle Clayton Senior Consumer Loan Officer 406.447.5333 Helena [michelle.clayton@rmcu.net](mailto:michelle.clayton@rmcu.net) ![adam-heimbuck](https://rmcu.net/hs-fs/hubfs/adam-heimbuck.jpg?width=1500&height=1500&name=adam-heimbuck.jpg) ### Adam Heimbuck Consumer Loan Officer 406.447.1088 Helena [Adam.Heimbuck@rmcu.net](mailto:Adam.Heimbuck@rmcu.net) ![RMCU\_headshots\_2021\_0021\_Jeff Dowler](https://rmcu.net/hs-fs/hubfs/RMCU_headshots_2021_0021_Jeff%20Dowler.jpg?width=2000&height=2000&name=RMCU_headshots_2021_0021_Jeff%20Dowler.jpg) ### Jeff Dowler Consumer Loan Officer 406.582.6606 Huffine, Bozeman [jeff.dowler@rmcu.net](mailto:jeff.dowler@rmcu.net)   ![trey-stephens](https://rmcu.net/hs-fs/hubfs/trey-stephens.webp?width=1500&height=1500&name=trey-stephens.webp) ### Trey Stephens Consumer Loan Officer 406.602.4919 Baxter, Bozeman [trey.stephens@rmcu.net](mailto:trey.stephens@rmcu.net) ![paul-jordan](https://rmcu.net/hs-fs/hubfs/paul-jordan.jpg?width=1500&height=1500&name=paul-jordan.jpg) ### Paul Jordan Consumer Loan Officer 406.221.5205 Butte [paul.jordan@rmcu.net](mailto:paul.jordan@rmcu.net) ## Learn More About Personal Banking ![](https://rmcu.net/hs-fs/hubfs/Campaigns/Old%20Blogs/RMCU_Cooperative.jpg?width=700&name=RMCU_Cooperative.jpg) In The Community ### [What it Means to Be Part of a Cooperative](https://rmcu.net/blog/what-it-means-to-be-part-of-a-cooperative?hsLang=en) Do you know the difference between a credit union and a bank? It's about being a part of a cooperati... Keep Reading ![](https://rmcu.net/hs-fs/hubfs/Campaigns/Primary%20Checking/Blog%20Images/budget-talks-with-spouse.jpg?width=700&name=budget-talks-with-spouse.jpg) Tips from the Pros ### [What You Need to Know About Budget Talks With Your Spouse](https://rmcu.net/blog/what-you-need-to-know-about-budget-talks-with-your-spouse?hsLang=en) Talking money with your spouse can be a challenge but it doesn't have to be. Here are some tips for ... Keep Reading ![](https://rmcu.net/hs-fs/hubfs/Campaigns/Old%20Blogs/RMCU_mortgageprograms.jpg?width=700&name=RMCU_mortgageprograms.jpg) Home and Mortgage ### [Mortgage Program Basics](https://rmcu.net/blog/mortgage-program-basics?hsLang=en) We put together a few quick explanations of mortgage program basics to help you know what is availab... Keep Reading ## [**FOLLOW US ON INSTAGRAM**](https://www.instagram.com/rockymountaincu/?hl=en) - [Privacy Policy](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/Privacy_Notice.pdf) - [ADA Compliance](https://rmcu.net/ada-compliance) - [Careers](https://rmcu.net/membership/about-rmcu/careers) - [Fee Schedule](https://rmcu.net/hubfs/DISCLOSURES%20(FILES)/RMCU_ScheduleOfCharges_Members_2024-DIGITAL-2.pdf) ![Equal Housing Leader](https://rmcu.net/hs-fs/hubfs/raw_assets/public/RMCU_2022/images/home-lender-logo.png?width=140&name=home-lender-logo.png "Equal Housing Leader") ![American Strategic Insurance](https://rmcu.net/hubfs/raw_assets/public/RMCU_2022/images/asi-logo.svg "placeholder_200x200") Each account is insured by American Share Insurance up to $250,000. By members' choice, this institution is not federally insured. [![RMCULogoColor.jpg](https://rmcu.net/hubfs/RMCU-logo.svg "RMCULogoColor.jpg")](https://rmcu.net?hsLang=en) All share and loan accounts are subject to membership eligibility. Equal Housing Opportunity. **RMCU NMLS# 585490** © 2026 Rocky Mountain Credit Union All Rights Reserved × ## You Are Leaving Our Website You are leaving the Rocky Mountain Credit Union website and accessing a third-party website. The privacy, security, and accessibility policies of third-party websites may differ from those of Rocky Mountain Credit Union. We encourage you to review the policies of any website you visit. Rocky Mountain Credit Union is not responsible for the content, privacy, security, or availability of external websites and does not endorse or guarantee the products, services, or information they provide. Stay Here Continue ```json { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "

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Connect your debit card to mobile wallets like Apple Pay, Google Pay, and Samsung Pay.

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