Cheney Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
1.21%	1-year CD	12 Month Share Certificate 2.45% - Synchrony Bank 12 Month CD
0.20%	Savings	Regular Share Savings 1.80% - American Express National Bank High Yield Savings Account
2.52%	3-year CD	36 Month Bump Rate Super Share Certificate 2.55% - Barclays 36 Month Online CD

View all Cheney Federal Credit Union rates »

Overview / Commentary

www.cheneyfcu.com

509-235-6533

520 1ST ST
Cheney, WA 99004-1603

Cheney Federal Credit Union is headquartered in Cheney and is the 41^st largest credit union in the state of Washington. It is also the 1,630^th largest credit union in the nation. It was established in 1951 and as of June of 2018, it had grown to 17 employees and 5,525 members at 2 locations. Cheney Federal Credit Union's CD rates are 79% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Cheney Federal Credit Union membership is open to those who live, work, worship or attend school in the Medical Lake or Cheney school districts or is an immediate family member of a current credit union member.
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Health

A

Data as of Q2 2018

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Cheney Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	7101
Year Chartered	1951
Employees	17
Primary Regulator

Profit Margin
Return on Assets - YTD	0.22%
Return on Equity - YTD	2.09%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$98.6MM$95.0MM
Loans	Q2 2018vs Q2 2017	$47.9MM$40.6MM
Deposits	Q2 2018vs Q2 2017	$87.1MM$83.9MM
Equity Capital	Q2 2018vs Q2 2017	$10.4MM$10.2MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$186.00K$192.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$245.00K$273.00K
Real Estate Owned	Q2 2018vs Q2 2017	$0$0

Rates

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Savings
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.

Cheney Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$5	-	IRA Share Savings
0.40%^*	$25k^*	-	Super Saver Share Account
OTHER TIERS: 0.20% → $5 - $2.5k \| 0.30% → $2.5k - $5k \| 0.35% → $5k - $25k
0.20%	$20	-	Regular Share Savings
0.20%	$5	-	All Kid's Club Accounts
0.20%	$5	-	Holiday Club Account

Cheney Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	$500	-	Share Draft Checking

Cheney Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.52%	$500	-	36 Month Bump Rate Share Certificate
2.52%	$50k	-	36 Month Bump Rate Super Share Certificate
2.12%	$50k	-	24 Month Super Share Certificate
1.81%	$500	-	24 Month Share Certificate
1.81%	$50k	-	18 Month Super Share Certificate
1.61%	$50k	-	12 Month Super Share Certificate
1.50%	$500	-	18 Month Share Certificate
1.21%	$500	-	12 Month Share Certificate
1.10%	$50k	-	6 Month Super Share Certificate
0.80%	$500	-	6 Month Share Certificate

Cheney Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.16%	$2k	-	60 Month IRA Share Certificate
2.12%	$2k	-	48 Month IRA Share Certificate
1.91%	$2k	-	36 Month IRA Share Certificate
1.61%	$2k	-	18 Month IRA Share Certificate

Locations

Cheney Federal Credit Union Locations
Branch Office	520 1ST ST	Cheney, WA 99004-1603
Branch Office	10505 W Westbow Blvd	Spokane, WA 99224-7434

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