What are the current interest rates at Canopy Federal Credit Union?

Current rates for Canopy Federal Credit Union include: 12-Month CD: 3.40%, 18-Month CD: 4.15%, 24-Month CD: 3.65%, MMA: 0.35%

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Canopy Federal Credit Union

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Canopy Federal Credit Union Rates & Review October 2026

Q: Is a member application needed to join Canopy Federal Credit Union?

Yes, to access services at Canopy Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Canopy Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 9, 2026

Canopy Federal Credit Union's top rates as of October 9, 2026 are 4.15% APY on its 18 Month CD, 0.35% APY on money market accounts, 0.05% APY on checking, 6.03% on its 10-Year Fixed mortgage, personal loans from 10.49% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other Canopy Federal Credit Union CD rates include 18 Month CD at 4.15%, 18 Month CD at 4.15%, and 36 Month CD (or IRA) at 3.90%. Other Canopy Federal Credit Union mortgage rates include 15-Year Fixed at 6.20%. MonitorBankRates evaluates the financial stability of Canopy Federal Credit Union with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.81%. Rates last updated and verified on 10/09/2026.

Canopy Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Canopy Federal Credit Union? Share your experience about Canopy Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Canopy Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.81%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Canopy Federal Credit Union
Canopy Credit Union

601 W Mallon Ave
Spokane, WA 99201

https://www.canopycu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Canopy Federal Credit Union CD Rates

Product	Rate	APY	Term
18 Month Term Share	4.07%	4.15%	18 months
Min Deposit $500 Details Special Rate! Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 4.15% ▲ 0.59 pts · high 4.15% / low 3.56% Oct 9, 20264.15%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
18 Month Term Share	4.07%	4.15%	18 months
Min Deposit $5,000 Details Special Rate! Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 4.15% ▲ 0.59 pts · high 4.15% / low 3.56% Oct 9, 20264.15%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
18 Month Term Share	4.07%	4.15%	18 months
Min Deposit $50,000 Details Special Rate! Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.56% → 4.15% ▲ 0.59 pts · high 4.15% / low 3.56% Oct 9, 20264.15%▲ from 3.56% Sep 14, 20263.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
36 Month Term Share (or IRA)	3.83%	3.90%	36 months
Min Deposit $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.61% → 3.90% ▲ 0.29 pts · high 3.90% / low 3.61% Oct 9, 20263.90%▲ from 3.61% Sep 14, 20263.61%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
24 Month Term Share (or IRA)	3.78%	3.85%	24 months
Min Deposit $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.56% → 3.85% ▲ 0.29 pts · high 3.85% / low 3.56% Oct 9, 20263.85%▲ from 3.56% Sep 21, 20263.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
36 Month Term Share (or IRA)	3.74%	3.80%	36 months
Min Deposit $5,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.80% ▲ 0.30 pts · high 3.80% / low 3.50% Oct 9, 20263.80%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
24 Month Term Share (or IRA)	3.69%	3.75%	24 months
Min Deposit $5,000 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.56% → 3.75% ▲ 0.19 pts · high 3.75% / low 3.56% Oct 9, 20263.75%▲ from 3.56% Sep 21, 20263.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
36 Month Term Share (or IRA)	3.64%	3.70%	36 months
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.70% ▲ 0.30 pts · high 3.70% / low 3.40% Oct 9, 20263.70%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
24 Month Term Share (or IRA)	3.59%	3.65%	24 months
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 21, 2026 · 3.56% → 3.65% ▲ 0.09 pts · high 3.65% / low 3.56% Oct 9, 20263.65%▲ from 3.56% Sep 21, 20263.56%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
12 Month Term Share (or IRA)	3.54%	3.60%	12 months
Min Deposit $50,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.51% → 3.60% ▲ 0.09 pts · high 3.60% / low 3.51% Oct 9, 20263.60%▲ from 3.51% Sep 14, 20263.51%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
12 Month Term Share (or IRA)	3.45%	3.50%	12 months
Min Deposit $5,000 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.50% ▲ 0.10 pts · high 3.50% / low 3.40% Oct 9, 20263.50%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
12 Month Term Share (or IRA)	3.35%	3.40%	12 months
Min Deposit $500 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.40% ▲ 0.10 pts · high 3.40% / low 3.30% Oct 9, 20263.40%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
6 Month Term Share (or IRA)	3.35%	3.40%	6 months
Min Deposit $50,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
6 Month Term Share (or IRA)	3.25%	3.30%	6 months
Min Deposit $5,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
6 Month Term Share (or IRA)	3.15%	3.20%	6 months
Min Deposit $500 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Canopy Federal Credit Union Money Market Rates

Product	Rate	APY
money marketaccounts	0.35%	0.35%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $50,000+ Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.25% → 0.35% ▲ 0.10 pts · high 0.35% / low 0.25% Oct 9, 20260.35%▲ from 0.25% Sep 14, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
money marketaccounts	0.30%	0.30%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $25,000-$49,999 Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 0.25% → 0.30% ▲ 0.05 pts · high 0.30% / low 0.25% Oct 9, 20260.30%▲ from 0.25% Sep 14, 20260.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
money marketaccounts	0.25%	0.25%
Min Deposit $2,000 Min Balance $2,000 Details Balance: $0-$4,999 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Canopy Federal Credit Union Business Checking Rates

Product	Rate	APY
Business Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0-$4,999 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Business Checking	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000-$9,999 Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Business Checking	0.05%	0.05%
Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 0.05% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Canopy Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
10-Year Fixed	6.034%	-	7.00%	10-Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
15-Year Fixed	6.201%	-	7.25%	15-Year
No additional details. Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 7.25% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Canopy Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New or Used Vehicles Loan	-	-	4.99%
Details Published APR range: 4.99% - 17.49%. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49% Sep 21, 20264.99%▲ from 4.49% Sep 14, 20264.49%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Canopy Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Boats & RVs Loan	-	6.99%
Details Published APR range: 6.99% - 16.49%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Snowmobiles & Personal Watercrafts Loan	-	10.74%
Details Published APR range: 10.74% - 17.49%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Canopy Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Rewards Credit Card	-	9.90%
Details Published APR range: 9.90% - 18.00%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 9.90% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
VISA Classic Credit Card	-	11.50%
Details Published APR range: 11.50% - 18.00%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 11.50% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Canopy Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Debt Consolidation Loans	10.49%
No additional details. Last Updated 10/09/2026 Rate History No change since Sep 17, 2026 · 10.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Personal Loan	10.49%
Details Published APR range: 10.49% - 18.00%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Snowmobiles & Personal Watercrafts Loan	10.74%
Details Published APR range: 10.74% - 17.49%. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 10.74% APR · checked 8 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Canopy Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
8-Year Fixed	5.845%	-	6.75%	8-Year
Last Updated 10/09/2026 Rate History No change since Oct 5, 2026 · 6.75% APR · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Cash & Check Card	0.05%	-	0.05%
Min Balance $2,000 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
IRA Future Fund	0.10%	-	0.10%
Min Balance $5 Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Kasasa Cash Checking	-	-	4.07%
Min Balance $0 Details Balance: Up to $25,000; Qualifications Required; - Enroll in eStatements - At least 1 recurring direct deposit or outside transfer - 20+ qualifying debit or Canopy credit card purchases Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 4.07% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Kasasa Cash Checking	-	-	2.02%
Min Balance $0 Details Balance: Up to $25,000; Qualifications Required; - Enroll in eStatements - 12+ qualifying debit or Canopy credit card purchases Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 2.02% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Kasasa Cash Checking	-	-	0.50%
Min Balance $25,000 Details Balance: Over $25,000 (if qualifications met); Same as above for 4.07% or 2.02% Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Kasasa Cash Checking	-	-	0.01%
Min Balance $0 Details Balance: All balances (if qualifications not met); No qualifications required Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.01% APY · checked 4 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Kasasa Cash High-Dividend Checking	-	-	2.02%
Min Balance $0 Details Qualifications Required: Additional qualifications; Earn 2.02% APY on balances up to $25,000. Earn 4.07% APY on balances up to $25,000 with additional qualifications. 0.50% APY on balances over $25,000. 0.01% APY. Refunds up to $10 monthly on ATM fees, nationwide. Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 2.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Kasasa Cash High-Dividend Checking	-	-	4.07%
Min Balance $0 Details Qualifications Required: Additional qualifications; Earn 2.02% APY on balances up to $25,000. Earn 4.07% APY on balances up to $25,000 with additional qualifications. 0.50% APY on balances over $25,000. 0.01% APY. Refunds up to $10 monthly on ATM fees, nationwide. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.02% → 4.07% ▲ 2.05 pts · high 4.07% / low 2.02% Sep 18, 20264.07%▲ from 2.02% Sep 14, 20262.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Kasasa Cash High-Dividend Checking	-	-	0.50%
Min Balance $25,000 Details Qualifications Required: Additional qualifications; Earn 2.02% APY on balances up to $25,000. Earn 4.07% APY on balances up to $25,000 with additional qualifications. 0.50% APY on balances over $25,000. 0.01% APY. Refunds up to $10 monthly on ATM fees, nationwide. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.02% → 0.50% ▼ 1.52 pts · high 2.02% / low 0.50% Sep 18, 20260.50%▼ from 2.02% Sep 14, 20262.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Kasasa Cash High-Dividend Checking	-	-	0.01%
Min Balance $0 Details Qualifications Required: If qualifications are not met; Earn 2.02% APY on balances up to $25,000. Earn 4.07% APY on balances up to $25,000 with additional qualifications. 0.50% APY on balances over $25,000. 0.01% APY. Refunds up to $10 monthly on ATM fees, nationwide. Last Updated 10/09/2026 Rate History 1 change since Sep 14, 2026 · 2.02% → 0.01% ▼ 2.01 pts · high 2.02% / low 0.01% Sep 18, 20260.01%▼ from 2.02% Sep 14, 20262.02%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Kasasa Saver Linked Savings	-	-	2.27%
Min Balance $0 Details Balance: $0.01 - $50,000.00; APYs are accurate as of 1/1/2026. Rates may change after account opening. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 2.27% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Kasasa Saver Linked Savings	-	-	1.00%
Min Balance $50,000 Details Balance: above $50,000; APYs are accurate as of 1/1/2026. Rates may change after account opening. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 1.00% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Kasasa Saver Linked Savings	-	-	0.01%
Details APY if qualifications are not met. APYs are accurate as of 1/1/2026. Rates may change after account opening. Last Updated 10/09/2026 Rate History No change since Oct 9, 2026 · 0.01% APY Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Regular Shares	0.02%	-	0.02%
Min Deposit $5 Min Balance $500 Details Balance Tier: $500+ Last Updated 10/09/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Share II	0.02%	-	0.02%
Min Deposit $5 Min Balance $0 Details Balance Tier: $0-$499 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Share II	0.02%	-	0.02%
Min Deposit $5 Min Balance $500 Details Balance Tier: $500-$4,999 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Share II	0.02%	-	0.02%
Min Deposit $5 Min Balance $5,000 Details Balance Tier: $5,000-$24,999 Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%
Share II	0.02%	-	0.02%
Min Deposit $5 Min Balance $25,000 Details Balance Tier: $25,000+ Last Updated 10/09/2026 Rate History No change since Sep 21, 2026 · 0.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.81%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Canopy Federal Credit Union’s Texas Ratio fell from 8.37% in Q3 2023 to 6.81% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$222M	6.81%	5.0	A
March 31, 2026	$222M	9.00%	5.0	A
December 31, 2025	$231M	10.34%	5.0	A
September 30, 2025	$229M	12.28%	5.0	A
June 30, 2025	$239M	10.05%	5.0	A
March 31, 2025	$238M	6.89%	5.0	A
December 31, 2024	$236M	9.57%	5.0	A
September 30, 2024	$235M	9.68%	5.0	A
June 30, 2024	$234M	10.42%	5.0	A
March 31, 2024	$239M	9.28%	5.0	A
December 31, 2023	$240M	9.25%	5.0	A
September 30, 2023	$239M	8.37%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Canopy Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Canopy Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Canopy Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Canopy Federal Credit Union

Website https://www.canopycu.com

Address 601 W Mallon Ave, Spokane, WA 99201

Phone 509-328-2900

Fax 509-323-1348

President Trevor Airey

CEO Charlotte Nemec

Full-Time Employees 55

Part-Time Employees 0

Branch Locations 4

ATM Locations 4

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A (97/100)

Texas Ratio

6.81%

Return on Assets (ROA)

-0.0904%

Return on Equity (ROE)

-1.0026%

Non-Performing Loans Ratio (NPL)

0.86%

Total Assets

221,958,169

Total Amount of Shares and Deposits

198,036,687

Total Shares and Deposits < 1 Year

170,526,991

Total Shares and Deposits 1 3 Years

27,509,696

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

7,032,561

Total Uninsured Shares and Deposits > $250K (F+J)

7,032,561

Total Insured Shares and Deposits > $250K (item 17 less item K)

191,004,126

Total Interest Expense (Sum of items 6 8)

1,325,066

Share Certificates

1,122

Number of Accounts for Share Drafts

9,764

IRA KEOGH Accounts

121

Number of Accounts for Regular Shares

16,135

Non Member Deposits

Money Market Shares

640

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

2,637,892

Total Liabilities

202,153,457

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Canopy Federal Credit Union earned the Verified Healthy badge

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Frequently Asked Questions About Canopy Federal Credit Union

How many branches does Canopy Federal Credit Union operate?

Canopy Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Canopy Federal Credit Union?

Yes, to access services at Canopy Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Canopy Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Canopy Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Canopy Federal Credit Union offer online and mobile banking?

Most modern institutions like Canopy Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.canopycu.com.

Current Canopy Federal Credit Union Rates

12-Month CD3.40%
18-Month CD4.15%
24-Month CD3.65%
MMA0.35%

Retrieved from our database of financial products. Rates subject to change.

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Canopy Federal Credit Union Rates & Review October 2026

Brian McKay

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Frequently Asked Questions About Canopy Federal Credit Union

How many branches does Canopy Federal Credit Union operate?

Is a member application needed to join Canopy Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Canopy Federal Credit Union offer online and mobile banking?

Current Canopy Federal Credit Union Rates

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