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Cheney

PO BOX 160, Cheney, WA 99004
NCUA Insured4.6 (80 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1951

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

PO BOX 160

Cheney, WA 99004

Service Area

This credit union is located in Cheney and serves members in the WA area. Currently serving 6,429 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.74%

Used Auto Loan

5.74%

Personal Loan

11.50%

Credit Card APR

7.25%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in WA

Lowest rates currently reported by credit unions in WA (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

4.6

80 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
Donald Mashtare

Donald Mashtare

4 months ago

Wow!! Is all I can say. I didn’t think this type of service still existed. We actually felt like members and not numbers. We opened an account with Margaret at the Westbow branch. She truly is a Member services SPECIALIST!! She guided us through the process and made an effort to know us and our real life needs. Just can’t say enough. She even to the time to introduce us to the branch manager, every staff member was the same. Such an amazing refreshing experience.

Miciah

Miciah

7 months ago

A Missed Opportunity for True Community Values — Refused a Second Chance After Full Repayment I never thought I’d be writing something like this, but my experience with Cheney Federal Credit Union has truly been disappointing — not because of what happened years ago, but because of how unwilling they are to recognize personal growth and integrity. A few years back, during one of the hardest times in my life, my checking account was closed with a small balance — around $130 — and sent to collections. I take full ownership of that mistake. I paid it off completely once I got back on my feet, and since then, I’ve worked hard to build stability and success. When I recently reached out to Cheney Federal Credit Union to ask about reestablishing a positive banking relationship, I was told they would not do business with me again because the account had once caused a “financial loss.” Even after explaining that I had paid it in full — and offering to reimburse the credit union directly for any portion they didn’t recover through collections — I was still told no. That response was extremely discouraging. I’m now in a very strong financial position, with an income that would make me a valuable and reliable member for any credit union. Yet despite demonstrating accountability, maturity, and a clear track record of growth, Cheney Federal Credit Union refused to even consider my request. For an institution that promotes “community,” “trust,” and “support,” this feels unfair and out of line with those values. People grow. People change. And when someone takes responsibility and proves they’ve turned their life around, they should be given the same opportunity as anyone else to rebuild trust. I was advised to reach out to the COO, Lynn, to see if anything could be done — and I genuinely hope this review reaches her or someone within leadership who believes in fairness, compassion, and true community banking. I’m not asking for special treatment — just an equal opportunity to re-earn trust and show I’ve grown.

Cathy Reynolds

Cathy Reynolds

6 months ago

Everyone was so nice when we joined the credit union. Margaret was very friendly, knowledgeable and efficient when she helped us set up a CD. They're close by which makes it very convenient to drop by when you need to. I'd definitely recommend them!

Jaime Cedeno

Jaime Cedeno

7 months ago

As new customers, we're very impressed and very pleased with the service we received. The employees were very courteous, friendly, answered all of our questions, and took immediate care of all the requests we had. A most pleasant experience. Thanks!! :)

Maximus

Maximus

9 months ago

The people at CFCU are kind and patient. Whenever I call or need help they take the time to give me the right information, and I never feel rushed or like a bother. Their home and car loan rates are also great.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).