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Cutting Edge FCU
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  • Why Cutting Edge
    • What We Believe
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  • Accounts
    • Checking Account
    • Certificates
    • Money Markets
    • Holiday Club
    • Second Chances
    • Share Savings Account
    • Youth Accounts
    • Deposit Rates
  • Loans & Credit Cards
    • Auto Loans
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  • e-Services
    • Online Banking
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ACCOUNTS

Helping you save for what matters

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CHECKING ACCOUNT
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CERTIFICATES
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MONEY MARKETS
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HOLIDAY CLUB
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SECOND CHANCES
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Share Savings Account
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YOUTH ACCOUNTS
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Savings Rates
Expand CHECKING ACCOUNT

CHECKING ACCOUNT

Free checking – yes, really!

Our Checking Account really is free! No monthly service fee, no minimum balance required, and no hoops to jump through to get it. Other free stuff comes with it, too!

  • Free Cutting Edge Visa® Debit Card* and digital wallet access
  • Free Online Banking and Mobile Banking
  • Free e-Statements and Online Bill Pay
  • Surcharge-free transactions at 47,000+ ATMs across the country
  • Free Telephone Banking (888-794-0052)

Plus, you could get paid up to two days sooner** when you setup direct deposit to your Cutting Edge checking account – without the gimmicks or fees!

Open an Account

*Upon approval. **Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to two days earlier than the scheduled payment date.

Expand CERTIFICATES

CERTIFICATES

For longer-term saving goals.

A Share Certificate is great if you can save your money for a longer time to get a better savings rate!

  • Terms from 6 – 24 months
  • $500 Minimum Opening Balance
  • Dividends paid quarterly
  • Automatic renewal
Open a Certificate View Rates

APR (Annual Percentage Rate) and APY (Annual Percentage Yield) are determined by rate, amount and term; see Cutting Edge Rate Schedule for APR/APY. An early withdrawal fee may apply.

Expand MONEY MARKETS

MONEY MARKETS

Earn higher dividends while still having access to your money.

A Cutting Edge Money Market account pays a higher rate than our traditional savings.

  • $2,500 Minimum Opening Balance
  • Additional balance tiers earn even higher dividends
  • Make deposits anytime to increase balance
  • Up to three withdrawals per month with no penalty
Open an Account View Rates
Expand HOLIDAY CLUB

HOLIDAY CLUB

Start saving early for the holidays!

Get a jump on your holiday spending with a Cutting Edge Holiday Club account. It’s kind of like layaway for your money! Save a little each month (set up a direct deposit from each paycheck) and you’ll have the funds when the holidays arrive.

  • No minimum balance required; maximum balance is $5,000
  • Deposit money to the account any time
  • Early withdrawal penalty may apply prior to maturity
  • Account closure prior to maturity will result in forfeiture of accrued dividends
Open an Account View Rates
Expand SECOND CHANCES

SECOND CHANCES

A checking account for second chances.

We know life is a long and unpredictable trip, and we are here to empower you by offering the right tools to get back on the road to financial wellness. The Achieve Checking account is an opportunity for those who may have taken some detours in the past, to get back on the road to successful management of your finances.

If you’ve been denied a checking account because of past missteps, we may be able to help you save on expensive check-cashing fees and provide you with the conveniences and benefits of credit union banking. Contact us to learn more about our Achieve Checking account.
Contact Us to Open an Account
Expand Share Savings Account

Share Savings Account

Own where you bank.

It’s called share savings account because it represents your “share” or ownership of the credit union. With only a minimum balance of $10.00 in this account you are considered a member-owner of the credit union with all the benefits that provides! Set up payroll deduction or automatic transfers to start a good habit of regular savings to pay yourself first.

Open an Account View Rates

Milwaukie Branch
4620 SE International Way
Suite #105
Milwaukie, Oregon 97222
Fax: 503-653-6327

Routing #: 323274788
NMLS ID #: 418857
Toll-free Phone: 866-653-4392

Lewiston Branch
2200 First Street
Lewiston, Idaho 83501
Fax: 208-746-9105

Cutting Edge Mailing Address
P.O. Box 22192
Milwaukie, Oregon 97269

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Not-for-profit means you profit!
There’s a Revolution underway. A Movement towards a different way of banking. It puts people ahead of profits, and it means we’ll spend more time with you. We’ll be flexible, fair, and responsive. We’ll take care of business like we’ve been doing since 1953. We know bold ideas can change the world. This is for everyone who believes there has to be a better way. Be a part of our Revolution!

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NCUA LogoThis credit union is federally insured by the National Credit Union Administration
Equal Housing LenderEqual Housing Lender - We do business in accordance with the Federal Fair Housing Law and the Equal Housing Opportunity Act.
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