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There have been rumors for months that the Cottonwood credit union would expand their reach to Kooskia. They confirmed last week they will open a branch in the former Umpqua bank building on Main Street. We joined Cottonwood credit union (in addition to being Freedom Northwest Credit Union members) a few years back because they have a great construction loan program. They were nice to work with and contractor liked it because he got paid quickly. (Although Freedom Northwest Credit Union can in some cases help people to find construction financing, they do not have a formal construction loan program.) It will also be great to have one fewer vacant building in Kooskia.