What are the current interest rates at CUTTING EDGE?

Current rates for CUTTING EDGE include: 12-Month CD: 3.50%, 24-Month CD: 3.50%, Savings: 0.07%, MMA: 0.05%

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CUTTING EDGE Rates & Review May 2026

Q: How 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.

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: May 20, 2026

CUTTING EDGE's 12 Month CD rates are at 3.50%, 24 Month CD rates are at 3.50%, 6 Month CD rates are at 3.50%, 36 Month CD rates are at 2.75%, 12 Youth Saver CD rates are at 2.02%. CUTTING EDGE's savings rates are at 0.07%. CUTTING EDGE's money market rates are at 0.05%. CUTTING EDGE's Personal Loan Rates are at 8.99%. MonitorBankRates evaluates the financial stability of CUTTING EDGE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.20%. Rates were last updated on 05/20/2026.

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.

Verified Strong Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.20%

Excellent Lower than avg

CUTTING EDGE
Milwaukie

4620 SE International Way Ste 105
Milwaukie, OR 97222

http://www.cuttingedgefcu.org

CUTTING EDGE CD Rates

Product	Rate	APY	Term
12 Month Certificate	3.46%	3.50%	12
Min Deposit $100 Last Updated 05/20/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 3.20%
24 Month Certificate	3.46%	3.50%	24
Min Deposit $100 Last Updated 05/20/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 3.20%
6 Month Certificate	3.46%	3.50%	6
Min Deposit $100 Last Updated 05/20/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 3.20%
36 Month Certificate	2.72%	2.75%	36
Min Deposit $100 Last Updated 05/20/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 3.20%
12 Youth Saver Certificate	2.00%	2.02%	12
Min Deposit $50 Details Available for Adventure, Discovery, & Explorer Accounts Last Updated 05/20/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 3.20%

CUTTING EDGE Savings Rates

Product	Rate	APY
Holiday Club	1.75%	1.75%
Min Balance $25 Last Updated 05/20/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 3.20%
Share/Special Savings	0.05%	0.07%
Min Balance $100 Last Updated 05/20/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 3.20%

CUTTING EDGE Money Market Rates

Product	Rate	APY
Money Market	0.20%	0.20%
Min Balance $50,000 Last Updated 05/20/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 3.20%
Money Market	0.10%	0.10%
Min Balance $25,000 Last Updated 05/20/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 3.20%
Money Market	0.05%	0.05%
Min Balance $2,500 Last Updated 05/20/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 3.20%

CUTTING EDGE Checking Rates

Product	Rate	APY	View More
Checking	-	0.00%
No additional details. Last Updated 05/20/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 3.20%

CUTTING EDGE Credit Card Rates

Product	Rate	APR
Credit Cards	-	9.90%
Details Fixed rate; No balance transfer fees; One card, one easy payment; We'll waive the annual fee Last Updated 05/20/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 3.20%
Visa Credit Card	-	9.90%
No additional details. Last Updated 05/20/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 3.20%
Visa Credit Card	-	18.00%
No additional details. Last Updated 05/20/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 3.20%

CUTTING EDGE Personal Loan Rates

Product	Rate	APR
Personal Loans	-	8.99%
Details As Low As Last Updated 05/20/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 3.20%
Personal	-	10.99%
No additional details. Last Updated 05/20/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 3.20%
Personal Line of Credit	-	11.99%
No additional details. Last Updated 05/20/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 3.20%
Personal	-	18.00%
No additional details. Last Updated 05/20/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 3.20%
Personal Line of Credit	-	18.00%
No additional details. Last Updated 05/20/2026 Institution Ratings 4.8 Star Rating B+ Health Grade ◈ Texas Ratio: 3.20%

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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates 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 12

Part-Time Employees 0

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.20%

Return on Assets (ROA)

-0.2208%

Return on Equity (ROE)

-2.1434%

Non-Performing Loans Ratio (NPL)

0.93%

Total Assets

53,116,017

Total Amount of Shares and Deposits

46,792,799

Total Shares and Deposits < 1 Year

45,101,866

Total Shares and Deposits 1 3 Years

1,690,932

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

1,765,384

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

1,765,384

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

45,027,415

Total Interest Expense (Sum of items 6 8)

324,206

Share Certificates

411

Number of Accounts for Share Drafts

2,869

IRA KEOGH Accounts

159

Number of Accounts for Regular Shares

4,612

Non Member Deposits

Money Market Shares

102

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,394,149

Total Liabilities

47,707,874

Source: NCUA — Last Updated 09/30/2025

2026 MBR Health & Safety Badge

CUTTING EDGE earned the Verified Strong badge

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Frequently Asked Questions About CUTTING EDGE

How 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.