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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 September 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: September 22, 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%, Youth Saver (Available for Adventure, Discovery, & Explorer Accounts) 12 Month 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 as low as 10.99%. CUTTING EDGE's Credit Card Rates are at 9.90%. MonitorBankRates evaluates the financial stability of CUTTING EDGE with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.08%. Rates last updated and verified on 09/22/2026. 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 
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 rose from 0.60% in Q2 2023 to 4.08% in Q1 2026, so its financial health has weakened 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
14
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+ (98/100)
Texas Ratio
4.08%
Return on Assets (ROA)
0.0490%
Return on Equity (ROE)
0.5092%
Non-Performing Loans Ratio (NPL)
1.11%
Total Assets
51,798,552
Total Amount of Shares and Deposits
45,970,058
Total Shares and Deposits < 1 Year
44,426,377
Total Shares and Deposits 1 3 Years
1,543,682
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
1,349,339
Total Uninsured Shares and Deposits > $250K (F+J)
1,349,339
Total Insured Shares and Deposits > $250K (item 17 less item K)
44,620,719
Total Interest Expense (Sum of items 6 8)
87,229
Share Certificates
392
Number of Accounts for Share Drafts
2,869
IRA KEOGH Accounts
158
Number of Accounts for Regular Shares
4,612
Non Member Deposits
1
Money Market Shares
102
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)
4,463,499
Total Liabilities
46,858,453
Source: NCUA — Last Updated 03/31/2026
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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