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Rates

Loan Rates

New / Used Autos & Street Bikes (225 CC or Higher)
Effective Date: 10.18.18
TermAnnual Percentage RateSample Payment Amount monthly per $1,000 borrowed based on maximum term
0 - 71 months 2.99% APR $15.39
72 - 83 months 3.25% APR $13.47
84 - 95 months 3.50% APR $12.07
96 - 107 months 4.00% APR $11.13
108 - 119 months 4.50% APR $10.61
120 months 5.00% APR $10.61
APR = Annual Percentage Rate | The APR you receive is based on your credit worthiness and the term of your loan

Boats & Travel Trailers
Effective Date: 10.18.18
TermAnnual Percentage RateSample Payment Amount monthly per $1,000 borrowed based on maximum term
0 - 71 months 3.25% APR $15.51
72 - 83 months 3.50% APR $13.59
84 - 95 months 4.00% APR $12.31
96 - 107 months 4.50% APR $11.37
108 - 119 months 5.00% APR $10.68
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

Personal Recreational Vehicles
Effective Date: 10.18.18
TermAnnual Percentage RateSample Payment Amount monthly per $1,000 borrowed based on maximum term
0 - 59 months 4.25% APR $18.22
60 - 71 months 4.25% APR $15.96
72 - 83 months 4.50% APR $14.05
84 - 95 months 5.00% APR $12.67
APR = Annual Percentage Rate | The APR you receive is based on your credit worthiness and the term of your loan

Personal Loans - You have dreams, we have money!
Effective Date: 10.18.18
TermAnnual Percentage RateSample 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: 10.18.18
$35.00 processing fee
TermAnnual Percentage RateSample Payment Amount monthly per $1,000 borrowed based on maximum term
0 - 36 months 9.75% APR $32.04
48 months 10.75% APR $25.62
60 months 11.75% APR $22.01
APR = Annual Percentage Rate | The APR you receive 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 28
TermAnnual Percentage RateApplication FeeSample Payment Amount monthly per $1,000 borrowed based on maximum term
11 months 18.00% APR $35.00 $99.27
$1,500 maximum limit available to Members whom have successfully paid off thier previous Buck$ and Dough Loan
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

Deposit Rates

CD's
Effective Date: 10.01.2018
TermMin. DepositAPY*Dividend 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

6 Month Youth

 $300.00 0.15 APY 0.15 APR

7 Month

 $2,500.00 0.18 APY 0.18 APR

9 Month

 $2,500.00 0.20 APY 0.20 APR

1 Year

 $500.00 0.35 APY 0.35 APR

1 Year Youth

 50/$5 adds 0.35 APY 0.35 APR

18 Month

 $500.00 0.45 APY 0.45 APR

24 Month**

 $5,000.00 0.55 APY 0.55 APR

30 Month

 $500.00 0.60 APY 0.60 APR

36 Month

 $1,000.00 0.75 APY 0.75 APR

48 Month***

 $5,000.00 1.01 APY 1.00 APR

5 Year

 $500.00 1.15 APY 1.15 APR
*APY = Annual Percentage Yield | APR = Annual Percentage Rate | Rates subject to change without notice
**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.
***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.
Fees may reduce the earnings on account | Early withdrawal penalty will or may be imposed

IRA Certificate Rates
Effective Date: 10.01.2018
TermMin. DepositAPY*Dividend Rate
1 Year Traditional $1,000.00 .60 APY .60 APR
2 Year Traditional $1,000.00 .65 APY .65 APR
5 Year Traditional $1,000.00 1.15 APY 1.14 APR
5 Year Roth $1,000.00 1.15 APY 1.14 APR
1 Year Roth $1,000.00 .60 APY .60 APR
2 Year Roth $1,000.00 .65 APY .65 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

Savings Rates
Effective Date: 10.01.2018
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 31, 2018 & posting January 1, 2019 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

Fees can reduce the earnings on share accounts

Certificate rates are subject to change on a daily basis and not all compound interest.

All rates subject to change without notice as determinded by the Credit Union Board of Directors