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 2.25% - Ally Bank High Yield 5 Year CD
1.50%	1-year CD	1 Year Share Certificate 1.30% - Barclays 12 Month Online CD
0.50%	Savings	Regular Share Account 1.05% - Barclays 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 15^th largest credit union in the state of Idaho. It is also the 1,732^nd largest credit union in the nation. It was established in 1942 and as of December of 2016, it had grown to 20 employees and 4,810 members at 3 locations. Cottonwood Community Federal Credit Union's CD rates are 67% higher than 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.
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Health

A

Data as of Q4 2016

Learn why bank health matters

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	1.51%
Return on Equity - YTD	8.42%
Annual Interest Income	$3.9MM

Assets and Liabilities
Assets	Q4 2016vs Q4 2015	$86.0MM$82.0MM
Loans	Q4 2016vs Q4 2015	$68.9MM$64.2MM
Deposits	Q4 2016vs Q4 2015	$70.5MM$67.9MM
Equity Capital	Q4 2016vs Q4 2015	$15.3MM$14.0MM
Loan Loss Allowance	Q4 2016vs Q4 2015	$1.0MM$975.00K
Unbacked Noncurrent Loans	Q4 2016vs Q4 2015	$1.1MM$1.1MM
Real Estate Owned	Q4 2016vs Q4 2015	$500.00K$723.00K

Rates

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CD

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Cottonwood Community Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	-	-	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
1.80%	$500	-	3 Year Share Certificate
1.80%	$500	-	1-3 Year Student Share Certificate
1.75%	$500	-	2 Year Share Certificate
1.60%	$500	-	18 Month Share Certificate
1.50%	$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