Cottonwood Community Credit Union Cottonwood ID | Affordable Auto Loans & Quick Personal Banking

Introduction

Welcome to Cottonwood Community, your trusted financial partner since 1942! Located at 1606 Lewiston St, Cottonwood, ID 83522, we are proud to serve our vibrant community with dedication and care. With a total membership of 9,772, we prioritize the needs of our members and strive to provide exceptional service tailored just for you. At Cottonwood Community, we believe in making banking accessible and straightforward. Our total assets stand at an impressive $249,031,019, and we are committed to helping you grow your finances with confidence. Whether you're looking for personal banking options like checking and savings accounts, auto loans, or even mortgage loans, we've got you covered. Our team is here to assist you through every step of your financial journey. While members can visit us at our branch location, official correspondence should be sent to PO Box 507, Cottonwood, ID 83522. We understand that convenience matters; that's why we offer online and mobile banking options to make managing your finances easy and efficient. Under the leadership of our CEO, Clinton Holthaus, and Board President, Brandy McElroy, our dedicated team of 43 employees is here to ensure that you receive personalized attention. We take pride in being a member-focused credit union where your financial well-being is our top priority. Our commitment goes beyond numbers; it's about building lasting relationships within the community. With total deposits amounting to $6,488,171 and a net worth of $36,406,826, we are financially sound and ready to support your aspirations. Ready to take the next step? Visit us today or give us a call at (208) 962-3451 to learn more about how Cottonwood Community can help you achieve your financial goals!

Branch History & Mission

Community Impact

Cottonwood Community is more than just a credit union; we are dedicated partners in supporting local events and initiatives that uplift our community. Whether it's sponsoring youth sports teams or participating in charitable activities, we aim to make a positive impact where it matters most. While members can visit us at 1606 Lewiston St, official correspondence should be sent to PO Box 507, Cottonwood, ID 83522 if different from our branch address. We invite you to join us at Cottonwood Community become part of a growing family focused on helping you succeed financially while also giving back to the community we cherish. Experience the benefits of membership today! Call us at 208-962-3451 or visit our website at ccfcu.co for more information on how you can become a member. Together, let's build a brighter future for Cottonwood!

Our Mission

The heart of Cottonwood Community lies in our mission to foster financial well-being while actively contributing to local development. We believe in putting our members first by offering personalized service and comprehensive financial products designed to meet their unique needs. We strive not only to help you achieve your financial goals but also to enhance the overall quality of life in Cottonwood through partnerships and outreach initiatives. In addition to traditional banking services, we embrace technology for your convenience. Members can enjoy online banking services that make managing finances easier than ever before. Our drive-thru service ensures quick access for those on the go. While we currently do not offer ATMs at this location, our friendly staff is always ready to assist you during our operating hours from 8:00 AM to 5:00 PM, Monday through Friday.

Branch Location & Accessibility

Accessibility Features

At Cottonwood Community, we prioritize your convenience and comfort. Our branch features ADA-compliant access points, ensuring everyone can visit us with ease. Ample parking is available right outside our doors, making it easy for you to stop by without any hassle.

Get in Touch

Have questions? We're just a phone call away at 208-962-3451. Our friendly team at the Cottonwood Community branch looks forward to welcoming you soon! Come visit us today and see how we can support your financial journey!

Operating Hours

We understand that life can get busy. That's why we're here for you Monday through Friday from 8:00 AM to 5:00 PM. Whether you're looking to open a new account or need assistance with an existing one, our dedicated team is ready to help during these hours.

Services Offered

While visiting us at the branch, take advantage of our drive-thru service for quick deposits and withdrawals without leaving your vehicle. Although we don't have ATM services at this location, our staff is always available to assist you with cash withdrawal requests and other banking needs. We offer a range of services tailored to fit your personal and business banking requirements from checking and savings accounts to auto loans and mortgages. Each service is designed with you in mind so that you can manage your finances effectively.

Member Eligibility

At Cottonwood Community, we believe that everyone deserves to be part of a supportive community where their financial needs are understood and prioritized. Becoming a member is simple and welcoming! If you live, work, or worship in the area, you're likely eligible to join us at our branch located at 1606 Lewiston St Cottonwood Id 83522. We embrace individuals from all walks of life, ensuring that everyone feels included and valued. To find out more about the specific eligibility criteria, feel free to check out this resource: . Once you're ready to take the next step, opening an account with us is straightforward. You can start the process online by visiting https://onlinebanking.ccfcu.co/login.aspx?v=enroll . If you have any questions or need assistance along the way, don't hesitate to reach out to us at (208) 962-3451. Join us today and discover the benefits of being part of the Cottonwood Community family!

Business Banking & Commercial Services

Loan Options Tailored for Your Business

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $348 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $37,842,134, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services That Make Transactions Easy

Imagine running your daily operations without worrying about payment processing. Our merchant services offer practical solutions to streamline transactions, allowing you to focus on what really matters growing your business. From credit card processing to online payment solutions, we provide the tools necessary to keep your cash flow smooth and efficient. Located conveniently at 1606 Lewiston St Cottonwood Id 83522, Cottonwood, ID 83522, our team is here to help you navigate the financial landscape of running a business. Reach out at (208) 962-3451 during our operating hours from 8:00 AM to 5:00 PM, Monday through Friday, and let us partner with you on your journey to success!

Comprehensive List Of Services

Additional Services

We also provide basic ATM and cash withdrawal services along with our drive-thru banking option for simple transactions like deposits and withdrawals. This means whether you're in a rush or simply prefer face-to-face service, we've got options that suit your needs. At Cottonwood Community, we're more than just a credit union; we're here to support our members at every stage of their financial journey. For more information about how we can assist you, feel free to reach out at 208-962-3451 or visit us online at ccfcu.co. Join us today and discover how easy managing your finances can be!

Business Banking

If you're a business owner, we have specialized services just for you. Our business banking solutions, including merchant services and business loans, are designed to help your company thrive. From managing cash flow to funding expansion, we understand what businesses need to succeed.

Credit Cards with Rewards

Don't forget about our credit cards with rewards! These cards not only help you build credit but also reward you for everyday purchases. Imagine earning points for every dollar spent it's like getting paid to shop!

Home Financing

Owning a home is a big step, and our mortgage loans and refinancing options are here to guide you through it. Whether you're buying your first home or looking to refinance for better rates, our team is committed to finding the right solution for you.

Online & Mobile Banking

In today's fast-paced world, convenience is key. Our online and mobile banking features allow you to manage your finances on the go. Check balances, transfer funds, and pay bills anytime, anywhere all from the comfort of your smartphone or computer.

Personal Banking

Whether you're just starting out or looking to manage your wealth, our personal banking services have you covered. We offer checking and savings accounts tailored to fit your lifestyle. Imagine having a simple way to save for that dream vacation or an unexpected expense. With us, you can access your funds easily through online banking and drive-thru services, making transactions quick and hassle-free.

Personal Loans

Need some extra cash for personal projects or debt consolidation? Our personal loans can provide the support you need. Think about consolidating multiple debts into one easy payment, freeing up cash for other important expenses.

Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options can help you hit the road without breaking the bank. Picture driving away in your new vehicle with flexible terms that make monthly payments manageable. We ensure that getting behind the wheel is as straightforward as possible.

Digital & Online Banking

Accessibility on the Go

While we currently don't offer a mobile application or mobile payments, rest assured that our online banking platform is optimized for mobile use. You can easily access all the features from your smartphone's web browser, ensuring that your financial information is always at your fingertips. In summary, Cottonwood Community combines modern technology with personal service to provide an accessible banking experience tailored for you. Start managing your finances today by visiting us at https://ccfcu.co/ !

Key Features

With our 24/7 online banking services, you can check your account balance, transfer funds, and pay bills anytime, day or night. No need to wait in line at the branch! Our user-friendly interface ensures that navigating your accounts is a breeze. Plus, if you're looking to send money quickly, our person-to-person transfer feature makes it simple to send cash to friends or family with just a few taps. We also prioritize security. Our system includes electronic signature authorization, allowing you to sign documents safely and conveniently from anywhere. This means less paperwork and more efficiency when handling your financial matters. You can also opt for e-statements, which provide a secure way to access your account statements online without the clutter of paper.

Financial Strength

Committed Team Ready to Serve

We also take pride in having 43 full-time employees and 0 part-time employees dedicated to serving you with a knowledgeable team. Total Share Accounts stand at 22,918, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Cottonwood Community is your trusted partner. Visit us at 1606 Lewiston St Cottonwood Id 83522 or call (208) 962-3451 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Your savings are secure with us. We have $65,160,920 in share certificates and $48,556,232 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members; with non-member deposits at $0, our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Reinvestment for Growth

With $33,999,112 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. This approach helps ensure that we can meet your needs today while planning for tomorrow.

Solid Financial Foundation

With a net worth of $36,406,826, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,462 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Supporting Your Financial Goals

Our lending capacity is robust, with $3,717 in used auto loans and $165,431,458 in total loans and leases supporting your financial goals across various sectors. Our operations reflect efficiency with a net income of $2,357,464, enabling us to continue offering competitive loan rates and solid financial products for our members.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $21,111,953 in used vehicle loans and $7,809,608 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates so you can drive away with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $37,842,134 provide the capital needed to grow and expand. We are committed to supporting local businesses and helping them thrive in our community.

Credit Lines and Personal Loans

In addition to auto and mortgage loans, we offer personal credit lines totaling $27,863,341. These lines can help you manage unexpected expenses or finance personal projects without the hassle. We also provide unsecured credit card loans to assist you with everyday purchases and emergency expenses. While currently our total for these loans stands at $0, we aim to support our members in managing their finances effectively when these services are available.

Mortgage Options

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,343,621, make buying or refinancing simple. We prioritize making the process as smooth as possible so you can focus on what matters most your new home.

Refinancing Options

If you're looking at lower rates or better terms on existing loans, we also offer refinancing options that could save you money over time. It's always worth checking if you qualify for a better deal! Whether you're ready to apply now or have questions about eligibility and options available to you, feel free to reach out! You can contact us at (208) 962-3451, visit us at 1606 Lewiston St Cottonwood ID 83522, or explore more online at Cottonwood Community. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Loan Aggregator

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COTTONWOOD COMMUNITY FEDERAL CREDIT UNION