Canopy Credit Union

Overview / Commentary

www.canopycu.com

509-328-2900

601 W Mallon Ave
Spokane, WA 99201

Canopy Credit Union is headquartered in Spokane and is the 35^th largest credit union in the state of Washington. It is also the 1,247^th largest credit union in the nation. It was established in 1956 and as of December of 2019, it had grown to 57 employees and 11,487 members at 4 locations. Canopy Credit Union has a B+ health rating.

Field of Membership Restrictions

Canopy Credit Union is open to anyone who lives, works, worships, or goes to school in Spokane, Pend Oreille, or Stevens County.
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Health

B+

Data as of Q4 2019

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Health Grade Components

Overall
NCUA #	11162
Year Chartered	1956
Employees	57
Primary Regulator

Profit Margin
Return on Assets - YTD	0.08%
Return on Equity - YTD	0.76%
Annual Interest Income	$5.8MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$157.9MM$157.6MM
Loans	Q4 2019vs Q4 2018	$108.7MM$106.5MM
Deposits	Q4 2019vs Q4 2018	$138.0MM$138.9MM
Equity Capital	Q4 2019vs Q4 2018	$16.3MM$16.1MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$833.00K$719.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$508.00K$261.00K
Real Estate Owned	Q4 2019vs Q4 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Canopy Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%	-	-	Holiday Club Account
2.02%	-	-	Summer Club Account
0.10%	$5	-	IRA Future Fund
0.05%	$500	-	Regular Shares
0.05%	-	-	Share II

Canopy Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.30%^*	$50k^*	-	SFCU Money Market
OTHER TIERS: 0.15% → $2k - $10k \| 0.20% → $10k - $25k \| 0.25% → $25k - $50k

Canopy Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$2k	-	SFCU Cash
0.05%	$2k	-	Check Card
0.05%	-	-	Business Checking

Canopy Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.16%^*	$50k^*	-	36 Month CD
OTHER TIERS: 0.90% → $500 - $5k \| 1.06% → $5k - $50k
1.11%^*	$50k^*	-	30 Month CD
OTHER TIERS: 0.85% → $500 - $5k \| 1.00% → $5k - $50k
0.95%^*	$50k^*	-	24 Month CD
OTHER TIERS: 0.70% → $500 - $5k \| 0.85% → $5k - $50k
0.85%^*	$50k^*	-	18 Month CD
OTHER TIERS: 0.60% → $500 - $5k \| 0.75% → $5k - $50k
0.75%^*	$50k^*	-	12 Month CD
OTHER TIERS: 0.55% → $500 - $5k \| 0.65% → $5k - $50k
0.55%^*	$50k^*	-	6 Month CD
OTHER TIERS: 0.35% → $500 - $5k \| 0.45% → $5k - $50k
0.40%^*	$50k^*	-	3 Month CD
OTHER TIERS: 0.25% → $500 - $5k \| 0.30% → $5k - $50k

Canopy Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.16%^*	$50k^*	-	36 Month IRA
OTHER TIERS: 0.90% → $500 - $5k \| 1.06% → $5k - $50k
1.11%^*	$50k^*	-	30 Month IRA
OTHER TIERS: 0.85% → $500 - $5k \| 1.00% → $5k - $50k
0.95%^*	$50k^*	-	24 Month IRA
OTHER TIERS: 0.70% → $500 - $5k \| 0.85% → $5k - $50k
0.85%^*	$50k^*	-	18 Month IRA
OTHER TIERS: 0.60% → $500 - $5k \| 0.75% → $5k - $50k
0.75%^*	$50k^*	-	12 Month IRA
OTHER TIERS: 0.55% → $500 - $5k \| 0.65% → $5k - $50k
0.55%^*	$50k^*	-	6 Month IRA
OTHER TIERS: 0.35% → $500 - $5k \| 0.45% → $5k - $50k
0.40%^*	$50k^*	-	3 Month IRA
OTHER TIERS: 0.25% → $500 - $5k \| 0.30% → $5k - $50k

Locations

Canopy Credit Union Locations
Branch Office	1212 W Francis Ave	Spokane, WA 99205
Branch Office	601 W Mallon Ave	Spokane, WA 99201
Branch Office	930 N Howard St	Spokane, WA 99201
Branch Office	13105 E Sprague Ave	Spokane Valley, WA 99216-0841

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