Certificates Account - COPOCO Community CU

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      7 Month and 18 Month Certificate Account SPECIALS 

      Now Available for a limited time only!

       

      Certificate Account Rates
      Effective Date: 02/16/2023
      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 $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


      IRA Certificate Rates
      Effective Date: 02/16/2023
      TermMin. DepositAPY*Dividend Rate
      1 Year Traditional $1,000.00 2.50 APY 2.50 APR
      5 Year Traditional $1,000.00 1.75 APY 1.75 APR
      1 Year Roth $1,000.00 2.50 APY 2.50 APR
      5 Year Roth $1,000.00 1.75 APY 1.75 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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