Cottonwood Community Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free 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

up to $300

Our Rating

4.2 / 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 12^th largest credit union in the state of Idaho. It is also the 1,106^th largest credit union in the nation. It was established in 1942 and as of March of 2025, it had grown to 43 employees and 9,840 members at 7 locations. Cottonwood Community Federal Credit Union's money market rates are 8X 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

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Health

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #	4960
Year Chartered	1942
Employees	43
Primary Regulator

Profit Margin
Return on Assets - YTD	1.49%
Return on Equity - YTD	10.35%
Annual Interest Income	$3.5MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$261.4MM$238.4MM
Loans	Q1 2025vs Q1 2024	$168.6MM$162.9MM
Deposits	Q1 2025vs Q1 2024	$223.4MM$202.6MM
Equity Capital	Q1 2025vs Q1 2024	$37.1MM$34.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$1.6MM$1.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$1.8MM$911K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free 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

up to $300

Our Rating

4.2 / 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
3.80%	$500	-	6 Month Share Certificate
3.80%	$500	-	9 Month Share Certificate
3.80%	$500	-	1 Year Share Certificate
3.80%	$500	-	1-3 Year Student Share Certificate
3.70%	$500	-	18 Month Share Certificate
3.70%	$500	-	5 Year Share Certificate
3.60%	$500	-	2 Year Share Certificate
3.60%	$500	-	3 Year Share Certificate
3.60%	$500	-	4 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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