Cochise Credit Union Rates and Review February 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.
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Cochise 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 Cochise Credit Union? Share your experience about by leaving a review below, or read customer reviews before you decide to use . Cochise Credit Union Texas RatioCochise Credit Union's Texas Ratio is at 3.03%, which is considered excellent. The Texas Ratio for Cochise Credit Union is lower than the national average of all banks, currently at 6.13%. The Texas Ratio is a key indicator of financial health. This indicates that Cochise Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Cochise Credit Union has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Cochise Credit Union is an excellent credit union worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesProduct
APY/APR
vs.Avg
"N/A" indicates the product is not offered or the rate is unavailable.
Cochise Credit Union
Cochise Credit Union 580 N Haskell Ave
Willcox, AZ 85643 
Cochise Credit Union Home Equity & HELOC
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Cochise 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 Cochise 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 Cochise Credit Union's official website for the most current offers and terms.
Credit Union Profile & OverviewCredit Union Name: Cochise Credit Union
Website: https://www.cochisecu.com
Full Time Employees: 12Part Time Employees: 0 President: Troy Judd CEO: Shelley Thompson Branch Locations: 1 ATM Locations: 1 Corporate Office Address:
580 N Haskell Ave
Willcox, AZ 85643 Phone Number: 520-384-2822 Fax Number: 520-384-0571 FinancialsTotal Assets:
73,083,792
Total Amount of Shares and Deposits:
60,882,608
Total Shares and Deposits < 1 Year:
59,521,784
Total Shares and Deposits 1 3 Years:
1,274,732
Total Shares and Deposits > 3 Years:
86,091
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
4,695,232
Total Uninsured Shares and Deposits > $250K (F+J):
4,695,232
Total Insured Shares and Deposits > $250K (item 17 less item K):
56,187,376
Total Interest Expense (Sum of items 6 8):
519,935
Share Certificates:
466
Number of Accounts for Share Drafts:
4,677
IRA KEOGH Accounts:
48
Number of Accounts for Regular Shares:
6,453
All other shares:
190
Money Market Shares:
186
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
2,426,232
Total Liabilities:
61,003,787
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Source: NCUA Last Updated 09/30/2025
Customer ReviewsThere are no reviews for Cochise Credit Union yet. Feel free to create one below.
Add Your Rating and Review for Cochise Credit Union
Frequently Asked Questions About Cochise Credit UnionIs a member application needed to join Cochise Credit Union?Yes, to access services at Cochise Credit Union, a member application is required. Is there a first-time homebuyer program?Currently, Cochise Credit Union provides a range of mortgage and home equity products. Is Cochise Credit Union a safe place to deposit money?Yes, Cochise Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor. Does Cochise Credit Union offer online and mobile banking?Most modern institutions like Cochise Credit Union provide digital access including online balance checks and transfers. Compare to other Credit Unions |
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You can compare Cochise Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 4.04%, 6-month share certificate rates at 3.40% and 3-month share certificate rates at 0.20%. Savings rates are at 0.10% and money market rates are at 0.30%. Mortgage rates on 30-year fixed loans are around 6.45%. All these rates, and more, can be found in our database of rates which you can compare to 
