Rates
Loan Rates
| New / Used Autos & Street Bikes (225 CC or Higher) | ||
| Effective Date: Wednesday, April 30th, 2025 | ||
| Term | Annual Percentage Rate | Sample Payment Amount monthly per $1,000 borrowed based on maximum term |
| 0 - 60 months | 6.25% APR | $19.45 |
| 61-72 months | 6.50% APR | $16.81 |
| 73-84 months | 7.00% APR | $15.10 |
| 85-96 mos 2018 | 8.25% APR | $14.27 |
| 97-108 mos 2019 | 9.00% APR | $13.55 |
| 109-120 mos 2020+ | 9.50% APR | $12.94 |
| 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: Wednesday, April 30th, 2025 | ||
| Term | Annual Percentage Rate | Sample Payment Amount monthly per $1,000 borrowed based on maximum term |
| 0 - 60 months | 7.00% APR | $19.81 |
| 61 - 72 months | 7.25% APR | $17.18 |
| 73-84 months | 7.75% APR | $15.47 |
| 85-96 months | 8.00% APR | $14.14 |
| 97-108 months | 8.25% APR | $13.15 |
| 109-120 months | 8.50% APR | $12.41 |
| 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. | ||
| Unsecured Loans - We Can Help! | ||
| Effective Date: 10/19/2023 | ||
| $35.00 processing fee | ||
| Term | Annual Percentage Rate | Sample Payment Amount monthly per $1,000 borrowed based on maximum term |
| 0 - 36 months | 9.50% APR | $32.05 |
| 37 - 48 months | 10.50% APR | $25.62 |
| 49 - 60 months | 11.50% APR | $22.01 |
| 61-72 months | 13.75% APR | $20.49 |
| PR = Annual Percentage Rate | The APR you receive is based on your credit worthiness and the term of your loan | ||
| Buck$ and Dough "No Credit Check" Loan Special | |||
| Effective Date: Oct. 1 thru Dec. 30 | |||
| 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 | |||
Deposit Rates
| Certificate Account Rates | |||
| Effective Date: Wednesday, April 30th, 2025 | |||
| Term | Min. Deposit | Annual % Yield | Dividend Rate |
3 Month |
$1,000.00 | 0.10 APY | 0.10 |
6 Month Money Market |
$2,500.00 | 1.00 APY | 1.00 |
9 Month |
$2,500.00 | 0.20 APY | 0.20 |
| 10 Month | $1,000.00 | 4.00 APY | 4.00% |
| 10 Mo Certificate Account will auto renew to 1 year Certificate Account Term and Current Rate | |||
1 Year |
$500.00 | 2.50 APY | 2.50 |
1 Year Youth |
$50 / $5 adds | 2.50 APY | 2.50 |
18 Month |
$500.00 | 3.00 APY | 3.00 |
24 Month** |
$5,000.00 | .40 APY | .40 |
| **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 |
48 Month*** |
$5,000.00 | 0.65APY | 0.65 |
| ***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 | 1.75 APY | 1.75 |
| IRA Certificate Rates | |||
| Effective Date: Wednesday, April 30th, 2025 | |||
| Term | Min. Deposit | APY* | 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 | |||
| Savings Rates | ||
| Effective Date: 04/01/2025 | ||
| 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 2nd quarter ending June 30, 2025 & posting July 1, 2025 are: | ||
| Primary Share (savings) Minimum Balance = $5.00 | 0.01% APY | 0.01% |
| Checking / Share Draft | 0.00% APY | 0.00% |
| Open Share IRA | 0.25% APY | 0.25% |
| Escrow / Sub Share | 0.01% APY | 0.01% |
| Premier Business Account | $10,000 minimum daily balance required | 0.10% APY | 0.10% |
| Holiday Club | 0.01% APY | 0.01% |
| 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 | ||
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 determined by the Credit Union Board of Directors