Deposit Rates - COPOCO Powered By ELGA Credit Union
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Deposit Rates

Savings Rates
Effective Date: 10/01/2025
APY*Dividend Rate
A minimum balance of $5.00 is required to obtain APY on Savings / Primary Share Accounts | Rates are subject to change without notice as determined by the Credit Union Board of Directors
Prospective rates for the 4th quarter ending December 31st, 2025 & posting January 1st, 2026 are:
Primary Share (savings) Minimum Balance = $5.00 0.10% APY 0.10%
Checking / Share Draft 0.10% APY 0.10%
Open Share IRA 0.50% APY 0.50%
Escrow / Sub Share 0.10% APY 0.10%
Premier Business Account | $10,000 minimum daily balance required 0.10% APY 0.10%
Holiday Club 0.15% APY 0.15%
MONEY MARKET
If Your Balance Is    
$25,000 - $99,999.99 1.71% APY 1.70%
$100,000 - $249,999.99 1.87% APY 1.85%
$250,000 or Greater 2.02% APY 2.00%
APY = Annual Percentage Yield | APR = Annual Percentage Rate

Certificate Account Rates
Effective Date: Wednesday, October 8th, 2025
TermMin. DepositAnnual % YieldDividend Rate

3 Month

$1,000.00 2.01 APY 1.99

6 Month

$2,500.00 2.55 APY 2.53
10 Month $1,000.00 4.00 APY 3.94%
10 Mo Certificate Account will auto renew to 1 year Certificate Account Term and Current Rate

12 Month

$500.00 2.65 APY 2.62%

18 Month

$500.00 2.70 APY 2.67

24 Month**

$5,000.00 2.75 APY 2.72
**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 2.85 APY 2.82

48 Month***

$5,000.00 2.95 APY 2.92
***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.
60 Month $500.00 3.15 APY 3.11%

IRA Certificate Rates
Effective Date: Wednesday, October 8th, 2025
TermMin. DepositAPY*Dividend Rate
1 Year Traditional $1,000.00 2.50 APY 2.50
5 Year Traditional $1,000.00 1.75 APY 1.75
1 Year Roth $1,000.00 2.50 APY 2.50
5 Year Roth $1,000.00 1.75 APY 1.75
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 notice as determined by the Credit Union Board of Directors
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