Certificates Account - COPOCO Community CU

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  • Certificate Account Special. For more information visit www.copoco.org or talk to a member service rep today.
  • Tax Solutions and Savings for Members
  • Do you have the winter blues and a vacation mindset? We can help with a vacation loan.
  • New Year, New Score, New You! check your score now.
  • Certificate Account Special. For more information visit www.copoco.org or talk to a member service rep today.
  • Certificate Account Special. For more information visit www.copoco.org or talk to one of our Member Service Reps today.
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7 Month and 18 Month Certificate Account SPECIALS 

Now Available for a limited time only!

 

Certificate Account Rates
Effective Date: 01/01/2023
TermMin. DepositAnnual % YieldAnnual % 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 $1,500.00 3.20 APY 3.20 APR
New Money Only | Renews at maturity to effective rate for 18 Mo Certificate | Early Withdrawal Penalty will be $35 or 180 days interest whichever is greater.

3 Month

$1,000.00 0.10 APY 0.10 APR

6 Month Money Market

$2,500.00 0.15 APY 0.15 APR

9 Month

$2,500.00 0.20 APY 0.20 APR

1 Year

$500.00 0.30 APY 0.30 APR

1 Year Youth

$50 / $5 adds 0.30 APY 0.30 APR

18 Month

$500.00 0.35 APY 0.35 APR

24 Month**

$5,000.00 0.40 APY 0.40APR
**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 .75APY .75APR


IRA Certificate Rates
Effective Date: 01/01/2023
TermMin. DepositAPY*Dividend Rate
1 Year Traditional $1,000.00 .30 APY .30 APR
5 Year Traditional $1,000.00 .75 APY .75 APR
1 Year Roth $1,000.00 .30 APY .30 APR
5 Year Roth $1,000.00 .75 APY .75 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.
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