Featured Savings Rates
Featured Accounts

Cottonwood Community Federal Credit Union

Popular Accounts at this Credit Union

2.40%5-year CD5 Year Share Certificate
1.50%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 15th largest credit union in the state of Idaho. It is also the 1,732nd 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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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 - YTD1.51%
Return on Equity - YTD8.42%
Annual Interest Income$3.9MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$86.0MM$82.0MM
LoansQ4 2016vs Q4 2015$68.9MM$64.2MM
DepositsQ4 2016vs Q4 2015$70.5MM$67.9MM
Equity CapitalQ4 2016vs Q4 2015$15.3MM$14.0MM
Loan Loss AllowanceQ4 2016vs Q4 2015$1.0MM$975.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.1MM$1.1MM
Real Estate OwnedQ4 2016vs Q4 2015$500.00K$723.00K
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Cottonwood Community Federal Credit Union Savings Account Rates

0.50%--Regular Share Account

Cottonwood Community Federal Credit Union CD Rates

2.40%$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

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