Young woman receiving the keys of her new carAuto loans are our specialty. Not only do we offer great rates but the fast, friendly service you receive from our loan staff will help make your car buying experience an enjoyable one.

Click on Rates to look at our rates and calculate an estimated payment. Get pre-approved before you shop: Apply Now

Recreational Equipment

Is it time to hit the road in a new RV? Maybe you would prefer to sit in your backyard in a new hot tub or launch your new boat at one of the many beautiful area lakes. Whatever your recreational preference, we have a loan that will fit your needs. Take a look at our great rates, then apply online.

Real Estate


Cheney Federal Credit Union offers first and second mortgage loans.
Our First Mortgage Programs include fixed-rate loans from 5 years to 30 years. 

Second Mortgage Programs run up to 10 years at a fixed rate.

For detailed information regarding these loans please contact us.

CFCU NMLSR: 410438 

Lynn Mount NMLSR: 510920

Angela Newberg NMLSR: 510977

Kaylee Ault NMLSR: 1415122

Apply Now


Personal Loans are available. Members are welcome to apply for any amount up to two times their monthly income. Our rates are always competitive.
Apply online or contact our loan department.


Cheney Federal Credit Union offers a fixed rate Classic Visa card. With our card you pay no annual fee, you have a 25-day finance charge grace period on purchases, and you pay the same low rate for purchases, balance transfers, and cash advances. To apply please contact the credit union for an application. 509.235.6533 (Cheney) or 509.598.7151 (Westbow). 

If your VISA credit card is lost or stolen please call (888) 901-2328 during business hours to report the loss. You can also download the CFCU mobile app and temporarily lock your credit card through the “manage my cards” section. 

Enroll in the Score Card program to see the rewards you have earned

Sign up for Visa purchase alerts at: 

Overdraft LOC

Cheney FCU cares about the financial well being of our members. We understand that occasionally you might make an error in your checkbook, or maybe you just find yourself a little short before payday. That is why we offer an overdraft line of credit of up to $500 that can be attached to your checking account. If this type of loan interests you please apply online or contact us.