Rates
Loan Rates
New / Used Autos & Street Bikes (225 CC or Higher) | ||
Effective Date: 10/19/2023 | ||
Term | Annual Percentage Rate | Sample Payment Amount monthly per $1,000 borrowed based on maximum term |
0 - 60 months | 6.50% APR | $19.57 |
61-72 months | 6.75% APR | $16.93 |
73-84 months | 7.25% APR | $15.22 |
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: 10/19/2023 | ||
Term | Annual Percentage Rate | Sample Payment Amount monthly per $1,000 borrowed based on maximum term |
0 - 60 months | 7.50% APR | $20.07 |
61 - 72 months | 7.75% APR | $17.42 |
73-84 months | 8.25% APR | $15.72 |
85-96 months | 8.50% APR | $14.40 |
97-108 months | 8.75% APR | $13.42 |
109-120 months | 9.00% APR | $12.67 |
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 | ||
Term | Annual Percentage Rate | Sample 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 | |||
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
Certificate Account Rates | |||
Effective Date: 02/09/2024 | |||
Term | Min. Deposit | Annual % Yield | Annual % Rate |
10 Month Special | $25,000.00 | 5.25 APY | 5.25 APR |
$25,000 new money (not on deposit with COPOCO CCU for at least the last 30 days) | |||
3 Month |
$1,000.00 | 0.10 APY | 0.10 APR |
6 Month Money Market |
$2,500.00 | 1.00 APY | 1.00 APR |
7 Month | $1,000.00 | 4.00 APY | 4.00 APR |
9 Month |
$2,500.00 | 0.20 APY | 0.20 APR |
1 Year |
$500.00 | 2.50 APY | 2.50 APR |
1 Year Youth |
$50 / $5 adds | 2.50 APY | 2.50 APR |
18 Month |
$500.00 | 3.00 APY | 3.00 APR |
24 Month** |
$5,000.00 | 1.40 APY | 1.40 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. | |||
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 | 1.75 APY | 1.75 APR |
IRA Certificate Rates | |||
Effective Date: 12/20/2023 | |||
Term | Min. Deposit | APY* | Dividend Rate |
1 Year Traditional | $1,000.00 | 2.50 APY | 2.50 APR |
5 Year Traditional | $1,000.00 | 1.75 APY | 1.75 APR |
1 Year Roth | $1,000.00 | 2.50 APY | 2.50 APR |
5 Year Roth | $1,000.00 | 1.75 APY | 1.75 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: 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 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