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
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

CD RATE SPECIAL

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