Cheney Federal Credit Union

Overview / Commentary
520 1St St
Cheney, WA 99004

Cheney Federal Credit Union is headquartered in Cheney and is the 38th largest credit union in the state of Washington. It is also the 1,489th largest credit union in the nation. It was established in 1951 and as of June of 2021, it had grown to 16 employees and 6,156 members at 2 locations. Cheney Federal Credit Union 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.
See current membership details


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Health Grade Components

NCUA #7101
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD6.43%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$144.9MM$124.3MM
LoansQ2 2021vs Q2 2020$61.3MM$58.5MM
DepositsQ2 2021vs Q2 2020$131.9MM$112.3MM
Equity CapitalQ2 2021vs Q2 2020$11.9MM$11.2MM
Loan Loss AllowanceQ2 2021vs Q2 2020$277.00K$487.00K
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$105.00K$239.00K
Real Estate OwnedQ2 2021vs Q2 2020$0$0
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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

0.35%$5-IRA Share Savings
0.20%*$5k*-Super Saver Share Account
OTHER TIERS: 0.10% $5 - $2.5k | 0.18% $2.5k - $5k
0.10%$20-Regular Share Savings
0.10%$5-All Kid's Club Accounts
0.10%$5-Holiday Club Account

Cheney Federal Credit Union Checking Account Rates

0.05%$500-Share Draft Checking

Cheney Federal Credit Union CD Rates

0.65%$500-36 Month Bump Rate Share Certificate
0.65%$50k-36 Month Bump Rate Super Share Certificate
0.60%$50k-24 Month Super Share Certificate
0.50%$500-24 Month Share Certificate
0.50%$50k-18 Month Super Share Certificate
0.45%$500-18 Month Share Certificate
0.45%$50k-12 Month Super Share Certificate
0.40%$500-12 Month Share Certificate
0.35%$50k-6 Month Super Share Certificate
0.30%$500-6 Month Share Certificate

Cheney Federal Credit Union IRA Rates

0.80%$2k-60 Month IRA Share Certificate
0.70%$2k-48 Month IRA Share Certificate
0.65%$2k-36 Month IRA Share Certificate
0.55%$2k-18 Month IRA Share Certificate

Cheney Federal Credit Union Locations
Branch Office520 1ST STCheney, WA 99004-1603
Branch Office10505 W Westbow RdSpokane, WA 99224-7434

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