Canopy Federal Credit Union

What their website says about applying

• In general, it's always best to be prepared with a copy of your driver's license, your two most recent pay stubs, and your two most recent months of checking/savings statements. source
• We’ll need your two most recent paystubs, current auto insurance information, and if you’ve already chosen the vehicle you’ll need a purchase order for that vehicle. source
• We’ll need your most recent paystub, current RV insurance information, and if you’ve already chosen the RV at a dealership you’ll need a purchase order for that vehicle. source
• Apply online today, and we’ll get in touch with you soon. source

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.

Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. The pages do not state loan amounts; the dollar figures shown are rate examples only. Terms change — confirm with the lender before applying.

Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

1. How do I become a member, and is there a fee or a minimum deposit?
   Credit unions lend only to their members.
2. What are the smallest and the largest loans you make?
   No loan amounts are stated on their website.
3. What is the APR, including fees, on your home mortgages and personal loans?
   Their website states a rate, but not as an APR. The APR includes fees, so it is the number to compare.
4. Is there a minimum credit score, and do you consider borrowers with little or no credit history?
   Their website does not say what credit history they accept.
5. Do you offer down-payment help, and is a homebuyer education course required?
   CDFI home loans often come with homebuyer education or down-payment help; their website does not say.
6. What documents will you need from me, and how long does a decision usually take?
   Their website describes some application steps (above); ask for the full document list.

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

On file with the NCUA as CANOPY (charter 11162). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.

An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).

Figures from the 5300 Call Report filed by Canopy Federal Credit Union (NCUA charter 11162, filed as “CANOPY”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.

Loan mix (balances on 30 Jun 2026)

None reported on the 30 Jun 2026 report: commercial (business) loans.

Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.

Canopy Federal Credit Union reported 65 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $8.7M (median loan about $105,000).

Included above: 9 loans on manufactured homes.

Where the loans were made

Counties with the most 2025 originations, out of 6 counties with at least one; 94% of its 2025 loans were for properties in Washington:

• Spokane County, WA (56)
• Stevens County, WA (3)

Filed under LEI 5493004KGZVI015KO609 as “Canopy Federal Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.

Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.

Other certified CDFIs in Spokane and Washington

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• Express Credit UnionCredit union · Seattle, WAPersonal / consumer loansVerified
• Great NorthWest Federal Credit UnionCredit union · Aberdeen, WAAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
• Harborstone Credit UnionCredit union · Lakewood, WAAuto / vehicle loans, Home mortgages, Personal / consumer loansVerified

All 22 CDFIs in Washington