Latah Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 2.37% | 5-year CD | 60 Month CD 1.85% - Synchrony Bank 60 Month CD |
| 0.80% | 1-year CD | 12 Month CD 1.05% - Ally Bank High Yield 12-Month CD |
| 0.25% | Savings | Regular Savings Account 1.00% - Ally Bank Online Savings Account |
Latah Federal Credit Union is headquartered in Moscow and is the 13th largest credit union in the state of Idaho. It is also the 1,715th largest credit union in the nation. It was established in 1969 and as of June of 2016, it had grown to 16 employees and 6,945 members at 5 locations. Latah Federal Credit Union's savings rates are 15% higher than the national average, and it has a B health rating.
Field of Membership Restrictions
Membership is open to those who live, work, volunteer, worship, do business in, or go to school in Latah County, Idaho and to students enrolled in a unified program of study at the University of Idaho.
See current membership details
Go Credit Union, You'll Never Go Back
Have you ever had a situation at your bank where, through what feels like no fault of your own, you bounce a check? Maybe you put the wrong amount in an online utility payment or maybe your husband wrote a check that you didn't know about. But does your bank understand? Of course not. They just charge you the fee and dismiss your explanations with a smirking tone that makes you want to pull out your hair. For this very reason, I switched from the bank in my town and went with Latah Federal Credit Union. Latah is everything a bank (or credit union, in this case) should be when it comes to customer service. They do everything they can to avoid charging you a fee and they sympathize with life's little foibles which cause overdrafts. Now whenever an unexpected bounce happens to my checking account, Latah takes care of it with no issues and no fees against as long as I have money in my savings account to cover the negative amount (something many banks won't do). And, most importantly, they don't smirk at you. I'll never go back to banks again.
Good, But...
I have had nothing but good experiences with Latach FCU as pertains to my checking and savings accounts. They are friendly, helpful, and understanding of the situations we all encounter from time to time. Every time I enter the building, I am greeted quite warmly and they handle all of my checking and savings questions and transactions with the utmost courtesy and professionalism. I can't say enough about how happy I am with their servicing of my checking and savings accounts. However, there was recently a data breach and a friend of mine had his checking account debit card hacked which resulted in money being removed from his account. I just received a letter in the mail saying the same thing may happen to me. I really like this credit union, but this aspect has me a little worried.
Data as of Q2 2016
Learn more about bank healthHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 19564 |
| Year Chartered | 1969 |
| Employees | 16 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.4% |
| Return on Equity - YTD | 5.13% |
| Annual Interest Income | $1.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2016vs Q2 2015 | $86.5MM$86.9MM |
| Loans | Q2 2016vs Q2 2015 | $47.2MM$42.2MM |
| Deposits | Q2 2016vs Q2 2015 | $79.6MM$80.6MM |
| Equity Capital | Q2 2016vs Q2 2015 | $6.8MM$6.4MM |
| Loan Loss Allowance | Q2 2016vs Q2 2015 | $84.00K$88.00K |
| Unbacked Noncurrent Loans | Q2 2016vs Q2 2015 | $112.00K$29.00K |
| Real Estate Owned | Q2 2016vs Q2 2015 | $0$0 |
Always verify rates and promotions with the bank or credit union. We are not Latah Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Latah Federal Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.60%* | $100k* | - | Everyday Supershare Account | ||
| OTHER TIERS: 0.25% → $2,500 - $10k | 0.35% → $10k - $25k | 0.40% → $25k - $50k | 0.50% → $50k - $100k | |||||
| 0.25% | $25 | - | Regular Savings Account | ||
| 0.25% | $25 | - | Medical Savings Account | ||
| 0.25% | $100 | - | IRA Savings Account | ||
Latah Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.37% | $1k | - | 60 Month CD | |
| 1.96% | $1k | - | 48 Month CD | |
| 1.66% | $1k | - | 36 Month CD | |
| 1.26% | $1k | - | 24 Month CD | |
| 0.80% | $1k | - | 12 Month CD | |
| 0.60% | $1k | - | 6 Month CD |
Latah Federal Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.37% | $100 | - | 60 Month IRA | |
| 1.96% | $100 | - | 48 Month IRA | |
| 1.66% | $100 | - | 36 Month IRA | |
| 1.26% | $100 | - | 24 Month IRA | |
| 0.80% | $100 | - | 12 Month IRA | |
| 0.60% | $100 | - | 6 Month IRA |
| Latah Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 168 Hwy 6 | Potlatch, ID 83855 |
| Branch Office | 912 S Washington St | Moscow, ID 83843-3150 |
| Branch Office | 875 Line St | Moscow, ID 83844 |
| Branch Office | 602 E Main St | Kendrick, ID 83537-5002 |
| Branch Office | 396062 Highway 95 | Plummer, ID 83851 |