Cheney Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.50%

Our Rating

3.5 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.46%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.55%

Our Rating

4.2 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

Overview / Commentary

www.cheneyfcu.com

509-235-6533

520 1St St
Cheney, WA 99004

Cheney Federal Credit Union is headquartered in Cheney and is the 37^th largest credit union in the state of Washington. It is also the 1,544^th largest credit union in the nation. It was established in 1951 and as of September of 2024, it had grown to 17 employees and 6,429 members at 2 locations. Cheney Federal Credit Union's CD rates are 4X the national average, and it has a B+ 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.
See current membership details

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Health

B+

Data as of Q3 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	7101
Year Chartered	1951
Employees	17
Primary Regulator

Profit Margin
Return on Assets - YTD	0.33%
Return on Equity - YTD	3.51%
Annual Interest Income	$3.3MM

Assets and Liabilities
Assets	Q3 2024vs Q3 2023	$138.9MM$152.7MM
Loans	Q3 2024vs Q3 2023	$75.4MM$74.6MM
Deposits	Q3 2024vs Q3 2023	$124.6MM$138.3MM
Equity Capital	Q3 2024vs Q3 2023	$13.3MM$12.9MM
Loan Loss Allowance	Q3 2024vs Q3 2023	$121K$130K
Unbacked Noncurrent Loans	Q3 2024vs Q3 2023	$89K$87K
Real Estate Owned	Q3 2024vs Q3 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.80%

Our Rating

4.2 / 5

American Express®

High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

4.50%

Our Rating

3.5 / 5

Jenius Bank

Jenius Savings Account

See Offer

Sponsored Note: FDIC Insured. No fees or minimums. 24/7 U.S-based support.

Member FDIC

4.46%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.55%

Our Rating

4.2 / 5

BrioDirect

High-Yield Savings

See Offer

Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC

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
1.16%^*	$50k^*	-	Super Saver Share Account
OTHER TIERS: 0.35% → $5 - $2.5k \| 0.60% → $2.5k - $5k \| 0.75% → $5k - $25k \| 0.95% → $25k - $50k
0.50%	$5	-	IRA Share Savings
0.35%	$20	-	Regular Share Savings
0.35%	$5	-	All Kid's Club Accounts
0.35%	$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
3.65%	$50k	-	6 Month Super Share Certificate
3.65%	$50k	-	12 Month Super Share Certificate
3.65%	$50k	-	18 Month Super Share Certificate
3.65%	$50k	-	24 Month Super Share Certificate
3.55%	$500	-	6 Month Share Certificate
3.55%	$500	-	12 Month Share Certificate
3.55%	$500	-	18 Month Share Certificate
3.55%	$500	-	24 Month Share Certificate
3.55%	$500	-	36 Month Bump Rate Share Certificate
3.55%	$50k	-	36 Month Bump Rate Super Share Certificate

Cheney Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
3.04%	$2k	-	18 Month IRA Share Certificate
3.04%	$2k	-	36 Month IRA Share Certificate
3.04%	$2k	-	48 Month IRA Share Certificate
3.04%	$2k	-	60 Month IRA Share Certificate

Locations

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

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