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Certificate of Deposit Rates
Effective Date: 11.19.2018
TermMin. DepositAnnual % YieldAnnual % Rate

SPECIAL 5 Year

$5,000.00 New Money Only 3.25 APY 3.20 APR
12 month early withdrawal penalty | New Money Only: Funds cannot have been on deposit at COPOCO CCU in the last 60 days

3 Month

$1,000.00 0.10 APY 0.10 APR

6 Month Money Market

$2,500.00 0.15 APY 0.15 APR

6 Month Youth

$300.00 0.15 APY 0.15 APR

7 Month

$2,500.00 0.18 APY 0.18 APR

9 Month

$2,500.00 0.20 APY 0.20 APR

1 Year

$500.00 0.35 APY 0.35 APR

1 Year Youth

$50 / $5 adds 0.35 APY 0.35 APR

18 Month

$500.00 0.45 APY 0.45 APR

24 Month**

$5,000.00 0.55 APY 0.55 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.

30 Month

$500.00 0.60 APY 0.60 APR

36 Month

$1,000.00 0.75 APY 0.75 APR

48 Month***

$5,000.00 1.01 APY 1.00 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 1.15 APY 1.15 APR
ALL CERTIFICATE RATES subject to change without notice | Fees may reduce the earnings on account | Early withdrawal penalty will or may be imposed


IRA Certificate Rates
Effective Date: 10.01.2018
TermMin. DepositAPY*Dividend Rate
1 Year Traditional $1,000.00 .60 APY .60 APR
2 Year Traditional $1,000.00 .65 APY .65 APR
5 Year Traditional $1,000.00 1.15 APY 1.14 APR
5 Year Roth $1,000.00 1.15 APY 1.14 APR
1 Year Roth $1,000.00 .60 APY .60 APR
2 Year Roth $1,000.00 .65 APY .65 APR
IRA Certificates: No adds | 3 month penalty | Automatic renewal | Dividends Compound
*APR = Annual Percentage Rate | APY = Annual Percentage Yield | Rates subject to change without notice
Fees may reduce the earnings on account | Early withdrawal penalty will or may be imposed

Certificate rates are subject to change on a daily basis and not all compound interest.
All rates subject to change without out notice as determined by the Credit Union Board of Directors.