| Certificate Account Rates |
| Effective Date: 02/16/2023 |
| Term | Min. Deposit | Annual % Yield | Annual % Rate |
| 7 Month SPECIAL |
$1,000.00 |
4.00 APY |
4.00 APR |
| New Money Only | Renews at maturity to effective rate for 7 Mo Certificate | Early Withdrawal Penalty will be $35 or 180 days interest whichever is greater. |
| 18 Month SPECIAL |
$50,000.00 |
5.00 APY |
5.00 APR |
| New Money or 50% ($25,000) funds on deposit at COPOCO CCU | Renews at maturity to effective rate for 18 Mo Certificate | Early Withdrawal Penalty will be 180 days dividends. |
3 Month |
$1,000.00 |
0.10 APY |
0.10 APR |
6 Month Money Market |
$2,500.00 |
1.00 APY |
1.00 APR |
9 Month |
$2,500.00 |
0.20 APY |
0.20 APR |
1 Year |
$500.00 |
2.50 APY |
2.50 APR |
1 Year Youth |
$50 / $5 adds |
2.50 APY |
2.50 APR |
18 Month |
$500.00 |
0.35 APY |
0.35 APR |
24 Month** |
$5,000.00 |
1.40 APY |
1.40 APR |
| **Your 24 month certificate will not automatically renew if a penalty-free withdrawal taken during the 24 month term has caused the certificate's maturing balance to be less than $5,000. In such case you will have the 10 day grace period to return the balance to the minimum opening balance of $5,000 or the certificate will redeem to your share account. |
36 Month |
$1,000.00 |
0.60 APY |
0.60 APR |
48 Month*** |
$5,000.00 |
0.65APY |
0.65 APR |
| ***A one-time increase (bump-up) of the interest rate is allowed during the certificate term. See 48 month Term Share Certifcate disclosure for specific details. |
| 5 Year |
$500.00 |
1.75APY |
1.75APR |
