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earn 4.59% APY* with an 18-month term share

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Tired of paying fees for having a checking or savings account? Our free rewards checking accounts reimburse ATM fees and pay you cash back. 

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Do you feel stuck or stressed when thinking about your financial situation? Our financial coaches can give you the support and guidance you need to understand your money and make it work for you.

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At Canopy Credit Union we know you have financial dreams. Your dream may be to purchase your first home, pay for college, get out of debt, or buy a new car. Whatever it is we can help you reach it. You deserve to work with experts who believe in your dream, give you the best advice possible , and never sell you something you don’t need.

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what people are saying about us

"Absolutely love my credit union. I've gotten two car loans from them and wouldn't go anywhere else." - Desiree B.

"Coming from someone who’s struggled with credit and loans in the past, Canopy made the whole process stress free and exciting. Would recommend them to everyone!" - Katie S.

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applying for a loan at canopy is fast and easy!

Have you ever been frustrated when you’ve applied for a loan? Our simple, hassle free process will ensure you get the loan you need when you need it. Your loan officer will communicate with you consistently so you know exactly what is happening with your application at every step of the way.

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01 - Apply online, in person or over the phone.

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02 - One of our loan officers will connect with you and discuss your options.

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03 - Your loan officer will prep your loan to close.

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04 - Sign your loan documents in person or digitally and close your loan!

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You have access to member-exclusive deals through Love My Credit Union Rewards! Save on home security services, insurance, cell networks, taxes and more!

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CDFI Certified US Department of Treasury

Canopy is proud to be a certified Community Development Financial Institution (CDFI) by the U.S. Department of Treasury since 2018. CDFIs are mission-driven organizations that focus on serving low-income and underserved communities. As a CDFI, we have access to federal grants that we use to reinvest in our local community. These funds help to support Canopy’s vision of growing a happier and healthier community through financial inclusion.

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No one wants to be a victim of fraud. Unfortunately, criminal scammers are continuously evolving their tactics and technology to find new ways to commit fraud. Recently, we’ve been getting reports from our members at Canopy Credit Union that scammers have been targeting some of them by spoofing Canopy’s main phone number and pretending to be representatives of Canopy. These scammers are taking advantage of the trust our members have when they see our phone number flash on their caller IDs, with no way to tell that it’s a fake number. The scammers are using information they’ve gleaned about the members they are contacting, which can include names, addresses and other details, in order to convince the members to give them additional sensitive data, such as login information, account numbers, social security numbers, or card numbers. Remain cautious and learn more at #data #technology #security #beaware #creditcard #scammers #scammer #phonescams #sensitivedata #fakerepresentative #spamphonecalls #bankingsecurity #spokane #spokanewa #personalfinance #creditunionscare #stayalert #watchout #intheknow #spokanevalley #easternwashington #fraudalert
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#TeamCanopy is celebrating #NationalPepperoniPizza day today with some delicious, locally-made slices! 🍕 YUM! #PizzaLunch @davidspizzaspokane #NomNomNom #NationalPizzaDay #Spokane #SpokaneWashington
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Congratulations to Jessica, one of Canopy's talented Underwriters, for winning the August Team Service Award. Jessica was awarded for offering innovative solutions, anticipating needs, and advising brilliantly. According to the teammate that put in her nomination, "Jessica is always willing to help where ever needed even if not in her job description anymore." Thank you for being an amazing member of #TeamCanopy, Jessica!
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Have we introduced you to Kris Forgey-Haynie yet? This amazing individual serves as one of Canopy's Associate Board Members. Kris serves as the Voter/Elections Services Supervisor for Spokane County. She joined Canopy in 2002 and started serving on the board in 2021. Kris enjoys volunteering with the Washington Basset Rescue and the Spokane County Library in her free time. Learn more about Canopy's leaders and board members at #spokanecommunity #canopycreditunion #spokanewa #spokanevalley #spokaneleadership #inspiringcommunitymembers #volunteerboardmember #teamcanopy
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The size of an organization doesn't have to define the difference it can make, and Canopy is proof! It's incredible to witness the power of determination and the impact of great leadership. 🏆 Last week, our incredible CEO, Charlotte Nemec, was honored to accept the national NAFCU CEO of the Year award in Washington DC. We couldn't be prouder to be part of a credit union that is making a nationwide impact, proving that passion and dedication can transcend any boundaries. Charlotte's dedication and vision continues to drive our organization and team to new heights. #creditunionsdoitbetter @nafcuhq #femaleleadership #CEOoftheyear #womanleader #CanopyCreditUnion #SpokaneWashignton #NationalRecognition #SpokaneDoesntSuck #TeamCanopy