Rates - COPOCO Community CU

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COPOCO Community CU
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Rates

Loan Rates

New / Used Autos & Street Bikes (225 CC or Higher)
Effective Date: Sunday, April 21st, 2024
TermAnnual Percentage RateSample Payment Amount monthly per $1,000 borrowed based on maximum term
0 - 60 months 6.00% APR $19.34
61-72 months 6.25% APR $16.70
73-84 months 6.75% APR $14.98
85-96 months 2018 8.00% APR $14.14
97-108 months 2019 8.75% APR $13.42
109-120 months 2020+ 9.25% APR $12.81
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: Sunday, April 21st, 2024
TermAnnual Percentage RateSample 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
TermAnnual Percentage RateSample 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
TermInterest Rate / APR*Application FeeSample 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: Sunday, April 21st, 2024
TermMin. DepositAnnual % YieldDividend Rate

3 Month

$1,000.00 0.10 APY 0.10

6 Month Money Market

$2,500.00 1.00 APY 1.00
7 Month $1,000.00 3.50 APY 3.50

9 Month

$2,500.00 0.20 APY 0.20

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 1.40 APY 1.40
**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: Sunday, April 21st, 2024
TermMin. DepositAPY*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: 01/01/2024
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, 2024 & posting April 1, 2024 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
*APR = Annual Percentage Rate | APY = Annual Percentage Yield
Christmas Club 0.01 APY 0.01

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

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