Rates - COPOCO Community CU

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COPOCO Community CU
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  • Our Bucks & Dough , NO CREDIT CHECK loan is back from October 3rd to December 30th. Click learn more for more details.
  • Send Money from your account to theirs with Zelle®. Right from the COPOCO Community Credit Union App.
  • Do you have the winter blues and a vacation mindset? We can help with a vacation loan.
  • Protect your cards this holiday season with COPOCO Card Guard App. Click learn more to find out more information.
  • 'Tis the season to check your credit score. Click get started to learn more.
  • Our Bucks & Dough , NO CREDIT CHECK loan is back from October 3rd to December 30th. Click learn more for more details.
  • Send Money from your account to theirs with Zelle®. Right from the COPOCO Community Credit Union App.
  • Do you have the winter blues and a vacation mindset? We can help with a vacation loan.
  • Protect your cards this holiday season with COPOCO Card Guard App. Click learn more to find out more information.
  • 'Tis the season to check your credit score. Click get started to learn more.
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Rates

Loan Rates

New / Used Autos & Street Bikes (225 CC or Higher)
Effective Date: 02/21/2022
TermAnnual Percentage RateSample Payment Amount monthly per $1,000 borrowed based on maximum term
0 - 71 months 3.49% APR $15.61
72 - 83 months 3.75% APR $13.70
84 - 95 months 4.00% APR $12.30
96 - 107 months 4.50% APR $11.46
108 - 119 months 5.50% APR $10.93
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
*These rates are subject to change depending on the year of the vehicle.

Secured Toy Loans
Effective Date: Tuesday, December 6th, 2022
TermAnnual Percentage RateSample Payment Amount monthly per $1,000 borrowed based on maximum term
0 - 60 months 4.25% APR $18.53
61 - 119 months 5.75% APR $11.05
120 months 5.75% APR $10.98
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.

Personal Loans - You have dreams, we have money!
Effective Date: 03/17/2021
TermAnnual Percentage RateSample 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: 03/17/2021
$35.00 processing fee
TermInterest 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 recieve 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, 2021
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: 10/01/2022
TermMin. DepositAnnual % YieldAnnual % 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

9 Month

$2,500.00 0.20 APY 0.20 APR

1 Year

$500.00 0.30 APY 0.30 APR

1 Year Youth

$50 / $5 adds 0.30 APY 0.30 APR

18 Month

$500.00 0.35 APY 0.35 APR

24 Month**

$5,000.00 0.40 APY 0.40APR
**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 APR

48 Month***

$5,000.00 0.65APY 0.65 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 .75 APY .75 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: 10/01/2022
TermMin. DepositAPY*Dividend Rate
1 Year Traditional $1,000.00 .30 APY .30 APR
5 Year Traditional $1,000.00 .75 APY .75 APR
1 Year Roth $1,000.00 .30 APY .30 APR
5 Year Roth $1,000.00 .75 APY .75 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: 10/01/2022
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 4th quarter ending December 31, 2022 & posting January 1, 2023 are:
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

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