Credit union · NCUA insured
Cottonwood Community Federal Credit Union Savings Rates
Cottonwood Community Federal Credit Union’s best savings rate is 2.73% APY on $10,000, with its High Yield Share Account. Rates checked October 22, 2026.
How Cottonwood Community Federal Credit Union’s savings 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
2.73%APY
- Minimum
- —
- Earns on $10,000 a year
- $273
High Yield Share Account
Top rate
Members Preferred Credit Union
4.08%APY
- Minimum
- $0
- Earns on $10,000 a year
- $408
2nd-highest rate
America First Credit Union
3.95%APY
- Minimum
- $0
- Earns on $10,000 a year
- $395
Cottonwood Community Federal Credit Union savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0002.53%
- $10,000 balance$10,0002.73%
- $100,000 balance$100,0000.50%
- QualifiedQualified2.73%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
High Yield Share Account
2.73%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,499 | 2.53% | — |
| $2,500 – $9,999 | 2.63% | — |
| $10,000 – $19,999 | 2.73% | $273 |
| $20,000 – $49,999 | 2.83% | — |
| $50,000 – $74,999 | 2.93% | — |
| $75,000 and up | 3.04% | — |
Sources (1)
- ccfcu.co/services/share-rates · captured Sep 16, 2026
Regular Shares (Savings)
0.50%APY
$5 minimum balance required. Regular Share rates are estimated for the month. Dividends declared monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upRegular Share rates are estimated for the month. Dividends declared monthly.$5 and up | 0.50% | $50 | Regular Share rates are estimated for the month. Dividends declared monthly. |
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This may be incomplete or out of date, so check with the credit union before you apply.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.