Credit union · NCUA insured
Cottonwood Community Federal Credit Union
A $280M credit union headquartered in Cottonwood, ID, with 10,067 members and 7 branches in Idaho. Best rates: CDs 3.55% and savings 2.73% APY.
Cottonwood Community Federal Credit Union Carrot Score
83
Carrot Score
Higher than 62% of U.S. banks and credit unions
#18 of 50 in IdahoHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Cottonwood Community Federal Credit Union
Cottonwood Community Federal Credit Union is a member-owned financial cooperative based in Cottonwood, Idaho, federally chartered in 1942.
Following mergers with Craigmont Credit Union and Pine Tree Community Credit Union, it operates branches across Idaho and Lewis Counties.
- Headquarters
- 1606 Lewiston St, Cottonwood, ID 83522
- NCUA charter
- 4960
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, regularly work, attend school, worship, or volunteer in Idaho or Lewis counties are eligible for membership.
Employers and groups
- Organizations of eligible persons, as well as businesses and other legal entities in Lewis and Idaho counties, are eligible for membership.
Family and household
- Direct family members of eligible persons or existing CCFCU members are eligible for membership.
Cost to join
- A $5.00 initial deposit to a savings account is required for membership.
Branches
7 branches in Idaho
Loading map…
Idaho
7 branches
Cottonwood area · 2
- Cottonwood BranchMain office1606 Lewiston St, Cottonwood, ID 83522Directions
- Downtown Cottonwood Branch316 Main St, Cottonwood, ID 83522Directions
Craigmont area · 1
- Craigmont Branch200 W Main Street, Craigmont, ID 83523Directions
Grangeville area · 1
- Grangeville Pine Tree Branch230 E Main St, Grangeville, ID 83530Directions
Kooskia area · 1
- Kooskia Branch1 S Main St, Kooskia, ID 83539Directions
Nezperce area · 1
- Nezperce Branch410 Oak St, Nezperce, ID 83543Directions
Riggins area · 1
- Riggins Branch603 N Main St, Riggins, ID 83549Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.91% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.39% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.54% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $75 | $76 | — |
- CapitalNet worth ratio14.91%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.39%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.54%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$75Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Cottonwood Community Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.