Cottonwood Community Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

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

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.ccfcu.coop

208-962-3451

1606 Lewiston St
Cottonwood, ID 83522

Cottonwood Community Federal Credit Union is headquartered in Cottonwood and is the 13^th largest credit union in the state of Idaho. It is also the 1,110^th largest credit union in the nation. It was established in 1942 and as of December of 2024, it had grown to 40 employees and 9,827 members at 7 locations. Cottonwood Community Federal Credit Union's money market rates are 8X the national average, and it boasts 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

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Health

A+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #	4960
Year Chartered	1942
Employees	40
Primary Regulator

Profit Margin
Return on Assets - YTD	0.86%
Return on Equity - YTD	5.98%
Annual Interest Income	$12.9MM

Assets and Liabilities
Assets	Q4 2024vs Q4 2023	$253.4MM$239.3MM
Loans	Q4 2024vs Q4 2023	$164.1MM$160.7MM
Deposits	Q4 2024vs Q4 2023	$216.6MM$204.2MM
Equity Capital	Q4 2024vs Q4 2023	$36.2MM$34MM
Loan Loss Allowance	Q4 2024vs Q4 2023	$1.7MM$1.4MM
Unbacked Noncurrent Loans	Q4 2024vs Q4 2023	$1.6MM$1.7MM
Real Estate Owned	Q4 2024vs Q4 2023	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.10%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.

Member FDIC

4.30%

Our Rating

4.1 / 5

BrioDirect

High-Yield Savings

See Offer

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

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

3.80%

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.60%

Our Rating

4.2 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

up to $300

Our Rating

4.3 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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Savings
Money Market
CD

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Cottonwood Community Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$0	-	Regular Share Account

Cottonwood Community Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.40%^*	$75k^*	-	High Yield Share Account
OTHER TIERS: 2.88% → $0 - $2.5k \| 2.99% → $2.5k - $10k \| 3.09% → $10k - $20k \| 3.19% → $20k - $50k \| 3.30% → $50k - $75k

Cottonwood Community Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.96%	$500	-	6 Month Share Certificate
3.96%	$500	-	9 Month Share Certificate
3.96%	$500	-	1 Year Share Certificate
3.96%	$500	-	1-3 Year Student Share Certificate
3.75%	$500	-	18 Month Share Certificate
3.60%	$500	-	2 Year Share Certificate
3.49%	$500	-	3 Year Share Certificate
3.49%	$500	-	4 Year Share Certificate
3.49%	$500	-	5 Year Share Certificate

Locations

Cottonwood Community Federal Credit Union Locations
Branch Office	200 W Main Street	Craigmont, ID 83523
Branch Office	410 Oak St	Nezperce, ID 83543
Branch Office	1606 Lewiston St	Cottonwood, ID 83522
Branch Office	316 Main St	Cottonwood, ID 83522
Branch Office	1 S Main St	Kooskia, ID 83539
Branch Office	230 E Main St	Grangeville, ID 83530
Branch Office	603 N Main St	Riggins, ID 83549

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