Deposit Rates - COPOCO Community CU

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Deposit Rates

Savings Rates
Effective Date: 04/01/2022
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 1st quarter ending March 31, 2022 & posting April 1, 2022 are:
Primary Share (savings) Minimum Balance = $5.00 0.01 APY 0.01 APR
Checking / Share Draft 0.00 APY 0.00 APR
Open Share IRA 0.25 APY 0.25 APR
Escrow / Sub Share 0.01 APY 0.01 APR
Premier Business Account | $10,000 minimum daily balance required 0.10 APY 0.10 APR
*APR = Annual Percentage Rate | APY = Annual Percentage Yield
Christmas Club 0.01 APY 0.01 APR

Certificate Account Rates
Effective Date: 02/16/2022
TermMin. DepositAnnual % YieldAnnual % Rate

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 .75 APY .75 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: 10/01/2021
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 notice as determined by the Credit Union Board of Directors
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