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Rates

Loan Rates

New / Used Autos & Street Bikes (225 CC or Higher)
Effective Date: 07.01.17
TermRateSample Payment Amount
0 - 71 months 2.00% APR $14.95 / mo per $1,000 borrowed based on maximum term
72 - 83 months 2.50% APR $13.14 / mo per $1,000 borrowed based on maximum term
84 - 95 months 3.00% APR $11.84 / mo per $1,000 borrowed based on maximum term
96 - 107 months 3.50% APR $10.90 / mo per $1,000 borrowed based on maximum term
108 - 119 months 4.00% APR $10.20 / mo per $1,000 borrowed based on maximum term
120 months 4.50% APR $10.37 / mo per $1,000 borrowed based on maximum term
APR = Annual Percentage Rate | Listed rates reflect Rate Discount | Upon applicant qualification | The APR (annual percentage rate) you receive is based on your credit worthiness and the term of your loan

Recreational Vehicles
Effective Date: 07.01.17
Boats and RVs
TermRateSample Payment Amount
0 - 71 months 2.75% APR $15.28 / mo per $1,000 borrowed based on maximum term
72 - 83 months 3.00% APR $13.36 / mo per $1,000 borrowed based on maximum term
84 - 95 months 3.25% APR $11.96 / mo per $1,000 borrowed based on maximum term
96 - 107 months 3.50% APR $10.90 / mo per $1,000 borrowed based on maximum term
108 - 119 month 3.75% APR $10.08 / mo per $1,000 borrowed based on maximum term
120 months / $16,000 or more 4.00% APR $10.13 / mo per $1,000 borrowed based on maximum term
APR = Annual Percentage Rate | Listed rates reflect Rate Discount | Upon applicant qualification | The APR (annual percentage rate) you receive is based on your credit worthiness and the term of your loan

Personal Loans - You have dreams, we have money!
Effective Date: 07.01.17
TermRateSample Payment Amount
12 - 36 months 8.00% APR $31.34 / mo per $1,000 borrowed based on maximum term
37 - 48 months 9.00% APR $25.00 / mo per $1,000 borrowed based on maximum term
49 - 60 months 10.00% APR $21.25 / mo per $1,000 borrowed based on maximum term
APR = Annual Percentage Rate | Listed rates reflect Rate Discount | Upon applicant qualification | The APR (annual percentage rate) you receive is based on your credit worthiness and the term of your loan

Debt Consolidation
Effective Date: 07.19.17
$35.00 processing fee
TermRateSample Payment Amount
0-36 months 9.50% APR $32.04 / mo per $1,000 borrowed based on maximum term
48 months 10.50% APR $25.62 / mo per $1,000 borrowed based on maximum term
60 months 11.50% APR $22.01 / mo per $1,000 borrowed based on maximum term
APR = Annual Percentage Rate | Listed rates reflect Rate Discount | Upon applicant qualification | The APR (annual percentage rate) 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
TermRateSample Payment AmountFee
11 months 18.00% APR $99.27 / mo per $1,000 borrowed based on maximum term $35.00 Application Fee
$1,500 maximum limit available to Members whom have successfully paid off thier previous Buck$ and Dough Loan
APR = Annual Percentage Rate | No other discounts apply to this loan promotion
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

CDs
Effective Date: 07.01.2017
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
Fees may reduce the earnings on account | Early withdrawal penalty will or may be imposed

IRA Certificate Rates
Effective Date: 07.01.2017
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
1 Year Roth $1,000.00 .60 APY .60 APR
2 Year Roth $1,000.00 .65 APY .65 APR
5 Year Roth $1,000.00 1.15 APY 1.14 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: 01.01.2018
APY*Dividend Rate
Prospective rates for the 1st quarter ending March 31, 2018 & posting April 1, 2018 are:
Open Share IRA 0.25 APY 0.25 APR
Primary Share (savings) Minimum Balance = $5.00 0.01 APY 0.01 APR
Christmas Club 0.01 APY 0.01 APR
Escrow / Sub Share 0.01 APY 0.01 APR
Checking / Share Draft 0.00 APY 0.00 APR
Premier Business Account | $10,000 minimum daily balance required 0.10 APY 0.10 APR
APR = Annual Percentage Rate | APY = Annual Percentage Yield
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

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

Helping each member realize their financial goals and dreams