Certificates

COPFCU Share Certificates are for members who want to earn more interest by investing their funds for a specific period of time. Our certificate maturities range from six months to five years, with a minimum of $1000. Dividends are compounded daily and paid monthly. Members may withdraw dividends that have been accumulated on a monthly basis. If a member withdraws a certificate early, there is a substantial penalty. The credit union will send out a notice when your certificate is due to mature.

Y - 12 CD

For Kids 12 & Under

Help the kids in your life jump-start their savings. With a Y-12 CD, your children, grandchildren, nieces, nephews and godchildren can get the best return for their money and watch their savings grow as they grow.

The Y - 12 CD features:

  • $250 Minimum Balance to Open
  • 12-Month Term
  • High annual yield (click here for current rate & yield)
Because the Y-12 CD is such a great deal, special terms and conditions apply:
  • An account must be established in the child's name and using the child's social security number.
  • Only one (1) Y-12 CD is allowed per child.
  • The maximum CD balance is $1,000.
  • Dividends will be paid to the child's Primary Share Account.
  • The Y-12 CD will not rollover, but a new Y-12 CD may be opened each year as long as the child meets the age requirements.
  • Deposits to the CD cannot be made during the term of the CD.
  • Standard penalties will apply for early withdrawal or termination of the CD.

Don't wait! Help the kids in your life jump-start their savings today. Call us or stop by the location nearest you for more information.

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