Cottonwood Community Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.40%	5-year CD	5 Year Share Certificate 1.85% - Synchrony Bank 60 Month CD
1.00%	1-year CD	1 Year Share Certificate 1.05% - Ally Bank High Yield 12-Month CD
0.40%	Savings	Regular Share Account 1.00% - Ally Bank Online Savings Account

View all Cottonwood Community Federal Credit Union rates »

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 14^th largest credit union in the state of Idaho. It is also the 1,773^rd largest credit union in the nation. It was established in 1942 and as of June of 2016, it had grown to 20 employees and 4,753 members at 3 locations. Cottonwood Community Federal Credit Union's CD rates are 11% higher than the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, regularly work, attend school, worship, or volunteer in Idaho or Lewis Counties.
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Health

B+

Data as of Q2 2016

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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

Overall
NCUA #	4960
Year Chartered	1942
Employees	20
Primary Regulator

Profit Margin
Return on Assets - YTD	1.43%
Return on Equity - YTD	8.13%
Annual Interest Income	$1.9MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$82.3MM$79.0MM
Loans	Q2 2016vs Q2 2015	$70.5MM$66.9MM
Deposits	Q2 2016vs Q2 2015	$67.5MM$64.9MM
Equity Capital	Q2 2016vs Q2 2015	$14.6MM$13.5MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$1.1MM$572.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$1.5MM$1.3MM
Real Estate Owned	Q2 2016vs Q2 2015	$708.00K$665.00K

Rates

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Cottonwood Community Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%	-	-	Regular Share Account

Cottonwood Community Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.40%	$500	-	5 Year Share Certificate
2.15%	$500	-	4 Year Share Certificate
1.75%	$500	-	3 Year Share Certificate
1.75%	$500	-	1-3 Year Student Share Certificate
1.50%	$500	-	2 Year Share Certificate
1.25%	$500	-	18 Month Share Certificate
1.00%	$500	-	1 Year Share Certificate
0.90%	$500	-	9 Month Share Certificate
0.75%	$500	-	6 Month Share Certificate

Locations

Cottonwood Community Federal Credit Union Locations
Branch Office	221 Main Street	Craigmont, ID 83523
Branch Office	421 Oak Street	Nezperce, ID 83543
Branch Office	1606 Lewiston St	Cottonwood, ID 83522