Cottonwood Community

Headquarters

Po Box 507
Cottonwood, ID 83522
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.30% 0.65% →
1-Year CD 0.60% 0.70% →
2-Year CD 0.70% 0.75% →
5-Year CD 0.95% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Cottonwood Community is an NCUA insured institution located in Cottonwood, ID. It was founded in 1942 and has approximately $139.08 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 4960
Date Established 1942
Assets $139.08 million
Loans $89.08 million
Deposits $116.22 million
Capital $22.23 million
 

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.

Deposit Rates - July 29, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.30% $2,500 $4,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.40% $500 - Learn More
12 Mo CD
0.60% $500 - Learn More
18 Mo CD
0.65% $500 - Learn More
24 Mo CD
0.70% $500 - Learn More
36 Mo CD
0.75% $500 - Learn More
48 Mo CD
0.85% $500 - Learn More
60 Mo CD
0.95% $500 - Learn More
Variable IRA Rates APY MIN MAX
Var IRA
0.30% $1 $499 Learn MoreShow Less

Loan Rates - July 29, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for COTTONWOOD COMMUNITY

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Morty, Inc.
NMLS ID: 1429243
2.589% 2.490% 0.88 $3,278 $987 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to COTTONWOOD COMMUNITY
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

Below are Cottonwood Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Fairfield,Connecticut


Cottonwood Community Locations


Financial Details

Cottonwood Community Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Cottonwood Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Cottonwood Community U.S. Average
4.69% 4.38

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2021, Cottonwood Community had $733,731 in non-current loans and $346,232 in owned assets. To cover these potential losses it had $22,233,463 in net worth and $773,244 in loans loss reserves. That gives it a Texas Ratio of 4.69%.

Net Worth
Cottonwood Community U.S. Average
15.98% 12.20%

Cottonwood Community FCU has a net worth of 15.98% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Cottonwood Community

Branches and Savings

What is Cottonwood Community?

A federal credit union, registered with the NCUA under certificate #4960.
Learn more about credit unions here.

Is Cottonwood Community FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Cottonwood Community is insured by the NCUA.

Who can join Cottonwood Community?

Please see Field of Membership information above for information on who is eligible to join.

What are Cottonwood Community's share account and share certificate rates?

Cottonwood Community's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Cottonwood Community?

Cottonwood Community has total capital of $22.23 million. Full information on Cottonwood Community's financial position is located above.

Who owns Cottonwood Community?

Credit Unions are owned by their members.

Where are Cottonwood Community branches located?

See branch locations nearby.

Are Cottonwood Community ATMs Open 24/7?

Do Cottonwood Community ATMs accept cash deposits?

Can Cottonwood Community customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Cottonwood Community have a mobile app?

Does Cottonwood Community have mobile deposit?

Does Cottonwood Community have quick pay?

How can Cottonwood Community transfer money to other banks or credit unions?

Does Cottonwood Community report to credit bureaus?

Does Cottonwood Community use Chexsystems?

Does Cottonwood Community use Equifax?

What is Cottonwood Community's toll free phone number?

What is Cottonwood Community's ACH Routing Number?

What is Cottonwood Community's SWIFT code?

Where can I find Cottonwood Community's wire transfer form?

What is the Cottonwood Community address for deposits?

What Products Does Cottonwood Community Offer

Does Cottonwood Community offer mortgages?

Compare mortgage rates here.

Does Cottonwood Community offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Cottonwood Community offer auto and RV loans?

Compare auto loan rates here.

Does Cottonwood Community offer student loans or personal loans?

Compare personal loan rates here.

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