Cottonwood Community Federal Credit Union


Overview / Commentary
208-962-3451
1606 Lewiston St
Cottonwood, ID 83522

Cottonwood Community Federal Credit Union is headquartered in Cottonwood and is the 12th largest credit union in the state of Idaho. It is also the 1,106th 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

Health Grade Components

Overall
NCUA #4960
Year Chartered1942
Employees43
Primary Regulator
Profit Margin
Return on Assets - YTD1.49%
Return on Equity - YTD10.35%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$261.4MM$238.4MM
LoansQ1 2025vs Q1 2024$168.6MM$162.9MM
DepositsQ1 2025vs Q1 2024$223.4MM$202.6MM
Equity CapitalQ1 2025vs Q1 2024$37.1MM$34.8MM
Loan Loss AllowanceQ1 2025vs Q1 2024$1.6MM$1.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$1.8MM$911K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$0-Regular Share Account

Cottonwood Community Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW 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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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 Office200 W Main StreetCraigmont, ID 83523
Branch Office410 Oak StNezperce, ID 83543
Branch Office1606 Lewiston StCottonwood, ID 83522
Branch Office316 Main StCottonwood, ID 83522
Branch Office1 S Main StKooskia, ID 83539
Branch Office230 E Main StGrangeville, ID 83530
Branch Office603 N Main StRiggins, ID 83549

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