Loan Rates | Ask About Rate Discount Options

New / Used Autos & Street Bikes (225 CC or Higher)
Effective Date: 02/21/2022
Term	Annual Percentage Rate	Sample Payment Amount monthly per $1,000 borrowed based on maximum term
0 - 71 months	3.49% APR	$15.61
72 - 83 months	3.75% APR	$13.70
84 - 95 months	4.00% APR	$12.30
96 - 107 months	4.50% APR	$11.46
108 - 119 months	5.50% APR	$10.93
120 months	5.50% APR	$10.86
APR = Annual Percentage Rate \| The APR you receive is based on your credit worthiness and the term of your loan
*These rates are subject to change depending on the year of the vehicle.

Secured Toy Loans
Effective Date: Sunday, November 27th, 2022
Term	Annual Percentage Rate	Sample Payment Amount monthly per $1,000 borrowed based on maximum term
0 - 60 months	4.25% APR	$18.53
61 - 119 months	5.75% APR	$11.05
120 months	5.75% APR	$10.98
APR = Annual Percentage Rate \| The APR you receive is based on your credit worthiness and the term of your loan
*120 months has a $30,000 minimum purchase price.

Personal Loans - You have dreams, we have money!
Effective Date: 03/17/2021
Term	Annual Percentage Rate	Sample Payment Amount monthly per $1,000 borrowed based on maximum term
12 - 36 months	8.25% APR	$31.46
37 - 48 months	9.25% APR	$25.01
49 - 60 months	10.25% APR	$25.00
APR = Annual Percentage Rate \| The APR you receive is based on your credit worthiness and the term of your loan

Debt Consolidation
Effective Date: 03/17/2021
$35.00 processing fee
Term	Interest Rate / APR*	Sample Payment Amount monthly per $1,000 borrowed based on maximum term
0-36 months	9.75% / 12.16%	$32.14
48 months	10.75% / 12.61%	$25.72
60 months	11.75% / 13.29%	$22.11
*APR= Annual Percentage Rate \| The APR you recieve is based on your credit worthiness and the term of your loan

Buck$ and Dough "No Credit Check" Loan Special
Effective Date: Oct. 1 thru Dec. 30, 2021
Term	Interest Rate / APR*	Application Fee	Sample Payment Amount monthly per $1,100 borrowed based on maximum term
11 months	18% / 24.46%	$35.00	$109.14
$1,500 maximum limit available to Members whom have successfully paid off their Buck$ and Dough Loan from last year's promotion.
*APR = Annual Percentage Rate \| No other discounts apply
LOAN SPECIAL REQUIREMENTS
1. Provide 4 months verifiable full direct deposit
2. Be in good standing with COPOCO CCU for the previous 4 months
3. Make loan payment using Auto Transfer

*APR = Annual Percentage Rate

Effective RATE Date = date in which one or more rates changed. Current rate listed will be used in calculation on date loan application is submitted.

All listed rates subject to change at anytime without notice as determined by the Credit Union Board of Directors.