Black and white photo of the First Federal Savings & Loan sign on Main St. in the 1930s.

Our Story

No stockholders, just customers who matter.

Since 1935, we’ve been a mutual, community bank. That means we don't pay stockholders — we pay our communities.

Stability, Ease, Expertise, and Service

First Federal is committed to offering you financial stability and an easier way to bank with the expertise and personal service you expect and deserve.

We know you have many choices when it comes to banking. Our clients, whether an individual, a small business, or a trust, know that our people take an inclusive and authentic approach to fully understand their needs to provide them a complete range of financial solutions, including home loans, banking services, and trust and investment services.

We understand the success of our bank is dependent upon the success of our clients and our community.

The Mutual Bank Difference

Being a mutual bank gives us the unique opportunity to give back. We don't pay stockholders - we pay our communities. When you bank with us, we reinvest your funds right back into the places we call home. We're one of just three mutual banks in Montana and Wyoming.
Just like you, we want to do the right things for the right reasons. If we sound like the right bank for you, we would appreciate the opportunity to earn your business.
First Federal’s financial soundness allows us to be a strong partner in ensuring the stability and growth of our community.

  • Since 1935, First Federal has been guided by sound banking principles that have led to protecting our clients’ money and lending to businesses and consumers responsibly.
  • We invest in our community through significant financial donations and our employees’ volunteer efforts.
  • Home ownership is vital to the stability of any community, and First Federal has helped thousands of clients buy and stay in their homes.
Banking doesn’t have to be complicated.

  • Our commitment to new technologies allows our clients to bank when, where and how they want – simply, safely and securely. We’ve introduced innovative services such as mobile banking and remote deposit, allowing clients the convenience of banking on any device, and the 24/7 availability of our Smart ATM.
  • Our redesigned website,, provides an easy way to access all our products and services, including home and business loans.
Our clients can rely on our people to give them sound advice and guidance to help them meet their financial goals.

  • Every day, our knowledgeable people help clients save and manage their money and to borrow smart.
  • Our team concept ensures that we’re committed to connecting each client with the right people and resources to meet their unique needs.
  • Businesses can expect more business banking expertise, more help in securing loans, leases and lines of credit and managing cash to improve their cash flow.
While we embrace new technologies, we recognize that our real value lies with our people and their personal relationships of trust and integrity. There is no such thing as a one-size-fits-all banking solution so our people work to understand our clients’ needs.

  • Our focus on the client is one of our core values. It’s the way we’ve always done things and we think it’s the only way to succeed.
  • We provide exceptional client service and we’ll continue to find ways to improve our service.
  • We listen to the needs of our clients and do everything we can to earn and keep their business and trust.
  • Our drive is to make each client more successful because we understand that our success is dependent upon their success.
  • HONESTY & INTEGRITY above all else
  • TRUST & RESPECT built on fairness
  • RESPONSIBILITY to use our resources for the greater good
  • EXCELLENCE through lifelong learning, accountability, hard work and continuous improvement
  • POSITIVE, CAN-DO ATTITUDE to support team morale and provide exceptional internal and external customer service
  • RESILIENCE to learn from our challenges and bounce back from adversity
  • TEAMWORK to accomplish so much more than we can individually
  • COURAGE & KINDNESS to do the right things while being considerate to others
  • OPEN, HONEST COMMUNICATIONS to make it all happen

Businesswoman behind shop counter on the phone.
Business Loans

Financing tailored to your business.