Cheney Federal Credit Union Rates and Review January 2026
Compare Cheney Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Cheney Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates. Rate Updates and AvailabilityCheney 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 CD rates or 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. Overall, Cheney Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs Avg
"N/A" indicates the product is not offered or the rate is unavailable. CD & Savings Rate ComparisonShow More
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts. Mortgage Rate ComparisonLender
Product
Rate
APR
Points
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Credit Card Rate ComparisonCredit Card
10.150%
VISA Credit Card
7.900% - 15.900%
Maximum credit card amount offered is $10,000 with a 36-month term.
School Employee Mastercard
11.750% - 17.900%
Maximum Loan Amount Up to $35,000.00
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed. Personal Loan Rate ComparisonPersonal Loans
13.250%
$0
6184
Unsecured Loans
9.990%
$0
1 - 60
Personal Loan
8.990% - 18.000%
$0 - $30,000
72
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The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed. Our apologies, we do not have Cheney Federal Credit Union rate data right now. Credit Union Profile & OverviewCredit Union Name: Cheney Federal Credit Union
Website: https://www.cheneyfcu.com
Full Time Employees: 18Part Time Employees: 0 President: Leslie Mowatt CEO: Andrew Crosby Branch Locations: 2 ATM Locations: 2 Corporate Office Address:
520 1ST ST
Cheney, WA 99004 1603 Phone Number: 509-235-6533 Fax Number: 509-235-6544 FinancialsTotal 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
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Source: NCUA Last Updated 09/30/2025
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Frequently Asked Questions About Cheney Federal Credit UnionIs a member application needed to join Cheney Federal Credit Union?Yes, to access services at Cheney Federal Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Cheney Federal Credit Union provides a range of mortgage and home equity products. Is Cheney Federal Credit Union a safe place to deposit money?Yes, Cheney Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Cheney Federal Credit Union offer online and mobile banking?Most modern institutions like Cheney Federal Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
12-month CD rates can be found at 3.60%, 6-month CD rates at 3.50% and 3-month CD rates at 1.00%. Savings rates are at 0.40% and money market rates are at 0.50%. Mortgage rates on 30-year fixed loans are around 6.23%. Credit Card rates are at 18.00%. Personal Loan rates are at 11.76%. All these rates, and more, can be found in our database of rates which you can compare to 
