Featured Savings Rates
Featured Accounts

Cottonwood Community Federal Credit Union

Popular Accounts at this Credit Union

2.75%5-year CD5 Year Share Certificate
1.75%1-year CD1 Year Share Certificate
0.50%SavingsRegular Share Account

Overview / Commentary
1606 Lewiston St
Cottonwood, ID 83522

Cottonwood Community Federal Credit Union is headquartered in Cottonwood and is the 16th largest credit union in the state of Idaho. It is also the 1,670th largest credit union in the nation. It was established in 1942 and as of December of 2017, it had grown to 21 employees and 4,820 members at 3 locations. Cottonwood Community Federal Credit Union's CD rates are 94% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Cottonwood Community Federal Credit Union is open to those who live, regularly work, attend school, worship, or volunteer in Idaho or Lewis Counties in Idaho.
See current membership details

Related Posts

Big Rates At Small Credit Union - 12/25/2017

If you live in Idaho County or Lewis County (ID), Cottonwood Community FCU has some really nice CDs. 3 year - 2.50% APY 4 year - 2.65% APY 5 year - 2.75% APY Minimum deposit is $500.


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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. Cottonwood Community Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #4960
Year Chartered1942
Primary Regulator
Profit Margin
Return on Assets - YTD1.48%
Return on Equity - YTD8.26%
Annual Interest Income$4.0MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$92.5MM$86.0MM
LoansQ4 2017vs Q4 2016$71.4MM$68.9MM
DepositsQ4 2017vs Q4 2016$75.6MM$70.5MM
Equity CapitalQ4 2017vs Q4 2016$16.7MM$15.3MM
Loan Loss AllowanceQ4 2017vs Q4 2016$1.0MM$1.0MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$1.7MM$1.1MM
Real Estate OwnedQ4 2017vs Q4 2016$381.00K$500.00K
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Cottonwood Community Federal Credit Union Savings Account Rates

0.50%--Regular Share Account

Cottonwood Community Federal Credit Union CD Rates

2.75%$500-5 Year Share Certificate
2.65%$500-4 Year Share Certificate
2.50%$500-3 Year Share Certificate
2.50%$500-1-3 Year Student Share Certificate
2.05%$500-2 Year Share Certificate
1.75%$500-1 Year Share Certificate
1.75%$500-18 Month Share Certificate
1.00%$500-6 Month Share Certificate
1.00%$500-9 Month Share Certificate

Cottonwood Community Federal Credit Union Locations
Branch Office221 Main StreetCraigmont, ID 83523
Branch Office421 Oak StreetNezperce, ID 83543
Branch Office1606 Lewiston StCottonwood, ID 83522

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