Certificates Account - COPOCO Community CU

Certificate Account Rates
Effective Date: Saturday, December 21st, 2024
Term	Min. Deposit	Annual % Yield	Dividend Rate
3 Month	$1,000.00	0.10 APY	0.10
6 Month Money Market	$2,500.00	1.00 APY	1.00
9 Month	$2,500.00	0.20 APY	0.20
10 Month	$1,000.00	4.00 APY	4.00%
10 Mo Certificate Account will auto renew to 1 year Certificate Account Term and Current Rate
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	.40 APY	.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: Saturday, December 21st, 2024
Term	Min. Deposit	APY*	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

Certificate rates are subject to change on a daily basis and not all compound interest.

All rates subject to change without out notice as determined by the Credit Union Board of Directors.