Cottonwood Community Federal Credit Union
Headquarters
Po Box 507
Cottonwood, ID 83522
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2024 Overview
General Credit Union Information
Cottonwood Community is an NCUA insured institution located in Cottonwood, ID. It was founded in 1942 and has approximately $239.28 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 4960 |
| Date Established | 1942 |
| Assets | $239.28 million |
| Loans | $160.70 million |
| Deposits | $204.19 million |
| Capital | $34.05 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 - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.30% | $2,500 | $4,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.40% | $500 | - |
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|
| 12 Mo CD
|
0.60% | $500 | - |
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|
| 18 Mo CD
|
0.65% | $500 | - |
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|
| 24 Mo CD
|
0.70% | $500 | - |
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|
| 36 Mo CD
|
0.75% | $500 | - |
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|
| 48 Mo CD
|
0.85% | $500 | - |
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|
| 60 Mo CD
|
0.95% | $500 | - |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.30% | $1 | $499 | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.734% | 6.625% | 0.88 | $3,600 | $2,049 | Learn More |
NMLS ID: 401822 |
6.806% | 6.625% | 0.88 | $6,000 | $2,049 | Learn More |
NMLS ID: 447490 |
6.817% | 6.750% | 0.63 | $2,189 | $2,076 | Learn More |
NMLS ID: 3029 |
7.008% | 6.875% | 0.88 | $4,492 | $2,103 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Cottonwood Community
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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:
Columbus,Ohio
Climate Policy and Initiatives
COTTONWOOD COMMUNITY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 6.79% | 6.97 |
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 December 31, 2023, Cottonwood Community had $1,453,176 in non-current loans and $933,444 in owned assets. To cover these potential losses it had $34,049,362 in net worth and $1,080,074 in loans loss reserves. That gives it a Texas Ratio of 6.79%.
Net Worth
| Cottonwood Community | U.S. Average |
|---|---|
| 14.23% | 13.62% |
Cottonwood Community FCU has a net worth of 14.23% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Cottonwood Community
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