Credit union · NCUA insured
Freedom Northwest
A $667.8M credit union headquartered in Kamiah, ID, with 13,031 members and 2 branches in Idaho. Best rates: CDs 5.03% and savings 0.35% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—5.03%CD rates →
- Savings810.35%1.50% with extra requirementsSavings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Freedom Northwest
Freedom Northwest Credit Union was founded in 1963 by a dedicated group of volunteers.
The institution operated under the name Kamiah Community Credit Union until June 2016.
- Headquarters
- 303 Main Street, Kamiah, ID 83536
- NCUA charter
- 65722
Branches
2 branches in Idaho
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Idaho
2 branches
Kamiah area · 1
- Kamiah BranchMain office303 Main Street, Kamiah, ID 83536Directions
Kooskia area · 1
- Kooskia Branch201 Rivers Loop, Kooskia, ID 83539Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.40% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.61% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 2.54% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $116 | $76 | — |
- CapitalNet worth ratio13.40%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.61%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets2.54%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$116Peers’ 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 Freedom Northwest are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.