Credit union · NCUA insured
Cottonwood Community Federal Credit Union CD Rates
Cottonwood Community Federal Credit Union’s best CD rate is 3.55% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.
How Cottonwood Community Federal Credit Union’s CD rates compare
Compared with banks and credit unions in Idaho, where Cottonwood Community Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Cottonwood Community Federal Credit Union
3.55%APY
- Term
- 12–36 months
- Requires
- None
- Earns on $10,000
- —
Term Certificates
Top rate
Freedom Northwest
5.03%APY
- Term
- 23 months
- Requires
- None
- Earns on $10,000
- $986
2nd-highest rate
Horizon Credit Union
4.70%APY
- Term
- 15 months
- Requires
- Another account
- Earns on $10,000
- $591
Cottonwood Community Federal Credit Union CD score
77
CD score
Higher than 44% of U.S. banks and credit unions
- 3–8 months3–8 mo3.44%
- 9–15 months9–15 mo3.55%
- 16–30 months16–30 mo3.34%
- 31–60 months31–60 mo3.55%
- QualifiedQualified3.55%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Cottonwood Community Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Certificates
Up to 3.55%APY · 9 terms
$500.00 minimum balance on all Term Certificates. Dividends paid quarterly from certificate origination or renewal date. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid quarterly from certificate origination or renewal date | 3.44% | $171 |
| 9 monthsDividends paid quarterly from certificate origination or renewal date | 3.44% | $257 |
| 12 monthsDividends paid quarterly from certificate origination or renewal date | 3.55% | $355 |
| 12–36 monthsStudent certificate. Dividends paid quarterly from certificate origination or renewal date | 3.55% | $355 |
| 18 monthsDividends paid quarterly from certificate origination or renewal date | 3.29% | $498 |
| 24 monthsDividends paid quarterly from certificate origination or renewal date | 3.34% | $679 |
| 36 monthsDividends paid quarterly from certificate origination or renewal date | 3.34% | $1,036 |
| 48 monthsDividends paid quarterly from certificate origination or renewal date | 3.50% | $1,475 |
| 60 monthsDividends paid quarterly from certificate origination or renewal date | 3.55% | $1,906 |
Sources (1)
- ccfcu.co/services/share-rates · captured Sep 16, 2026
Who can join Cottonwood Community Federal Credit Union
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.
Membership information collected October 4, 2026.