Rates

Loan Rates

New / Used Autos & Street Bikes (225 CC or Higher)
Effective Date: 01.01.20
Term	Annual Percentage Rate	Sample 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: 01.01.20
Term	Annual Percentage Rate	Sample 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: 01.01.20
Term	Annual Percentage Rate	Sample 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: 01.01.20
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: 01.01.20
$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 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, 2020
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

Emergency Hardship loan
Effective Date: 3.25.2020 for LIMITED TIME
Term	Rate	Sample Payment Amount per $1000 borrowed based on maximum term
180 Days	2.0%	$1009.86
$1,000 maximum limit available to Members whom fall under the following criteria
*APR = Annual Percentage Rate \| No other discounts apply
LOAN SPECIAL REQUIREMENTS
1. Be in good standing with COPOCO CCU
2. Not currently or past severe (over 60 days) delinquency with the credit union
3. Membership open for 12 months
4. Loan Term 180 Days, One Payment Note. Due in Full.
*To qualify for relief options, a member must have experienced at least two weeks of lost or significantly reduced (50% or more) work/wages resulting from hardship. Members may be asked to present a letter of hardship. To see what qualifies as hardship click here.

Deposit Rates

Certificate of Deposit Rates
Effective Date: 01.01.20
Term	Min. Deposit	Annual % Yield	Annual % 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
**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.
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
***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	1.15 APY	1.15 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: 01.01.20
Term	Min. Deposit	APY*	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: 01.01.20
	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 31,2020 & posting April 1, 2020are:
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 determined by the Credit Union Board of Directors