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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.
CUTTING EDGE Rates & Review October 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 and Verified: October 10, 2026
CUTTING EDGE's top rates as of October 10, 2026 are 3.50% APY on its 12 Month CD, 0.07% APY on savings, 0.20% APY on money market accounts, personal loans from 10.99% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other CUTTING EDGE CD rates include 24 Month CD at 3.50%, 6 Month CD at 3.50%, and 36 Month CD at 2.75%. MonitorBankRates evaluates the financial stability of CUTTING EDGE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.91%. Rates last updated and verified on 10/10/2026. CUTTING EDGE 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 CUTTING EDGE? Share your experience about CUTTING EDGE by leaving a review below, or read customer reviews before you decide to use CUTTING EDGE. CUTTING EDGE
Milwaukie 4620 SE International Way Ste 105
http://www.cuttingedgefcu.org Milwaukie, OR 97222  Customer Reviews
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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. CUTTING EDGE CD Rates
CUTTING EDGE Savings Rates
CUTTING EDGE Money Market Rates
CUTTING EDGE Auto Loan Rates
CUTTING EDGE RV, Boat and Powersport Loan Rates
CUTTING EDGE Credit Card Rates
CUTTING EDGE Personal Loan Rates
CUTTING EDGE Other Rates
Financial Health HistoryCUTTING EDGE’s Texas Ratio stayed near 1.01% in Q3 2023 to 0.91% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold 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 Grade
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for CUTTING EDGE 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 CUTTING EDGE 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 CUTTING EDGE's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
CUTTING EDGE
Website
http://www.cuttingedgefcu.org
Address
4620 SE International Way Ste 105,
Milwaukie, OR 97222
Phone
503-653-4392
Fax
503-653-6327
President
Richard Stallman
CEO
Brady Howe
Full-Time Employees
13
Part-Time Employees
0
Branch Locations
2
ATM Locations
0
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.91%
Return on Assets (ROA)
0.0472%
Return on Equity (ROE)
0.5028%
Non-Performing Loans Ratio (NPL)
0.24%
Total Assets
53,108,852
Total Amount of Shares and Deposits
47,135,816
Total Shares and Deposits < 1 Year
46,193,804
Total Shares and Deposits 1 3 Years
942,012
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,308,782
Total Uninsured Shares and Deposits > $250K (F+J)
2,308,782
Total Insured Shares and Deposits > $250K (item 17 less item K)
44,827,034
Total Interest Expense (Sum of items 6 8)
193,153
Share Certificates
414
Number of Accounts for Share Drafts
2,893
IRA KEOGH Accounts
143
Number of Accounts for Regular Shares
4,654
Non Member Deposits
1
Money Market Shares
99
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)
2,778,861
Total Liabilities
48,237,816
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About CUTTING EDGEHow many branches does CUTTING EDGE operate?CUTTING EDGE 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 CUTTING EDGE?Yes, to access services at CUTTING EDGE, 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, CUTTING EDGE 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, CUTTING EDGE provides members with tools to manage their accounts and build a solid financial history. Does CUTTING EDGE offer online and mobile banking?Most modern institutions like CUTTING EDGE 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: http://www.cuttingedgefcu.org. Current CUTTING EDGE Rates
Retrieved from our database of financial products. Rates subject to change.
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