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COPOCO Community CU
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COPOCO Community Credit Union Routing / Transit / ABA # 272476925 | Choose Direct Deposit!

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Rates

Loan Rates

Powersports Recreation Motor Vehicles
Effective Date: 09.01.2016
Jet Ski, Dirt Bike, ATV, UTV, Snowmobile

Recreational Vehicles
Effective Date: 10.19.2016
Boats and RVs, up to 10 years old
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

New / Used Autos & Street Bikes (225 CC or Higher)
Effective Date: 10.19.2016
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

Personal Loans - You have dreams, we have money!
Effective Date: 10.19.2016
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

BUCK$ and Dough Loan
Effective Date: November 15, 2016
TermRateSample Payment Amount
11 months 18% APR $99.27 / mo per $1,000 borrowed based on maximum term
APR = Annual Percentage Rate | No Credit Check | NO Rate Discounts apply to this special
Loan Requirements:
$35.00 Application Fee | 4 month verifiable full direct deposit | Member in good standing for previous 4 months | Payments via auto-transfer
Offer valid Nov. 15, 2016 - Jan. 15, 2017

Deposit Rates

CDs
Effective Date: 01.01.2017
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: 01.01.2017
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: 01.01.2017
APY*Dividend Rate
These are the prospective rates for the 1st quarter ending March 31, 2017 & posting April 1, 2017.
Open Share IRA 0.50 APY 0.50 APR
Primary Share (savings) Minimum Balance = $5.00 0.05 APY 0.05 APR
Christmas Club 0.05 APY 0.05 APR
Escrow / Sub Share 0.05 APY 0.05 APR
Checking / Share Draft 0.00 APY 0.00 APR
Premier Business Account | $10,000 minimum daily balance required 0.25 APY 0.25 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 out notice as determinded by the Credit Union Board of Directors

Helping each member realize their financial goals and dreams