Overview / Commentary
208-962-3451
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 1,678th largest credit union in the nation. It was established in 1942 and as of June of 2018, it had grown to 22 employees and 4,915 members at 3 locations. Cottonwood Community Federal Credit Union's CD rates are 3X the national average, and it has an A 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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Health
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

Overall
NCUA #4960
Year Chartered1942
Employees22
Primary Regulator
Profit Margin
Return on Assets - YTD1.68%
Return on Equity - YTD9.15%
Annual Interest Income$2.2MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$94.7MM$86.0MM
LoansQ2 2018vs Q2 2017$77.9MM$71.6MM
DepositsQ2 2018vs Q2 2017$76.9MM$69.8MM
Equity CapitalQ2 2018vs Q2 2017$17.5MM$16.0MM
Loan Loss AllowanceQ2 2018vs Q2 2017$907.00K$1.0MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$1.6MM$2.4MM
Real Estate OwnedQ2 2018vs Q2 2017$324.00K$151.00K
Rates
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Cottonwood Community Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.60%$5-Regular Share Account

Cottonwood Community Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$500-5 Year Share Certificate
3.15%$500-4 Year Share Certificate
3.00%$500-3 Year Share Certificate
3.00%$500-1-3 Year Student Share Certificate
2.57%$500-2 Year Share Certificate
2.42%$500-18 Month Share Certificate
2.37%$500-1 Year Share Certificate
1.00%$500-6 Month Share Certificate
1.00%$500-9 Month Share Certificate
Locations


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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