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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Cheney Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 25, 2026
Cheney Federal Credit Union's savings rates are at 0.35%. Cheney Federal Credit Union's Personal Loan Rates are at 11.50%. MonitorBankRates evaluates the financial stability of Cheney Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.30%. Rates were last updated on 04/25/2026. Cheney 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 Cheney Federal Credit Union? Share your experience about Cheney Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Cheney Federal Credit Union. 
Cheney Federal Credit Union Savings Rates
Cheney Federal Credit Union Checking Rates
Cheney Federal Credit Union Auto Loan Rates
Cheney Federal Credit Union Credit Card Rates
Cheney Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Cheney 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 Cheney 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 Cheney Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Cheney Federal Credit Union
Website
https://www.cheneyfcu.com
Address
520 1ST ST,
Cheney, WA 99004 1603
Phone
509-235-6533
Fax
509-235-6544
President
Leslie Mowatt
CEO
Andrew Crosby
Full-Time Employees
18
Part-Time Employees
0
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.30%
Return on Assets (ROA)
0.4320%
Return on Equity (ROE)
4.3760%
Non-Performing Loans Ratio (NPL)
0.24%
Total Assets
142,064,413
Total Amount of Shares and Deposits
127,113,924
Total Shares and Deposits < 1 Year
119,422,872
Total Shares and Deposits 1 3 Years
6,447,475
Total Shares and Deposits > 3 Years
1,243,578
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,072,623
Total Uninsured Shares and Deposits > $250K (F+J)
6,072,623
Total Insured Shares and Deposits > $250K (item 17 less item K)
121,041,301
Total Interest Expense (Sum of items 6 8)
1,246,637
Share Certificates
980
Number of Accounts for Share Drafts
4,303
IRA KEOGH Accounts
343
Number of Accounts for Regular Shares
7,568
Money Market Shares
900
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
4,210,929
Total Liabilities
128,041,170
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Cheney Federal Credit UnionIs Cheney Federal Credit Union a safe place to deposit money?Yes, Cheney Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.3049905788554%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Cheney Federal Credit Union operate?Cheney 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 Cheney Federal Credit Union?Yes, to access services at Cheney 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, Cheney 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, Cheney Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Cheney Federal Credit Union offer online and mobile banking?Most modern institutions like Cheney 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.cheneyfcu.com. Current Cheney Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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