Home page COPOCO Community Credit Union

New / Used Autos & Street Bikes (225 CC or Higher)
Effective Date: Thursday, April 24th, 2025
Term	Annual Percentage Rate	Sample Payment Amount monthly per $1,000 borrowed based on maximum term
0 - 60 months	6.25% APR	$19.45
61-72 months	6.50% APR	$16.81
73-84 months	7.00% APR	$15.10
85-96 mos 2018	8.25% APR	$14.27
97-108 mos 2019	9.00% APR	$13.55
109-120 mos 2020+	9.50% APR	$12.94
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.

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

Savings Rates
Effective Date: 04/01/2025
	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 2nd quarter ending June 30, 2025 & posting July 1, 2025 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%
Holiday Club	0.01% APY	0.01%
MONEY MARKET
If Your Balance Is
$25,000 - $99,999.99	1.71% APY	1.70%
$100,000 - $249,999.99	1.87% APY	1.85%
$250,000 or Greater	2.02% APY	2.00%
APY = Annual Percentage Yield \| APR = Annual Percentage Rate

Certificate Account Rates
Effective Date: Thursday, April 24th, 2025
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