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Mobile Banking Apps
Download our mobile banking app for iPhones Download our mobile banking app for Android devices

Savings Certificates, Money Market & IRAs

Primary Savings

Start your membership with COPFCU by opening a Primary Savings with as little as $5. Competitive dividends are paid on balances as low as $50.

Money Market Account

Earn a higher dividend rate as your balance grows with our Money Market account.

  • The account can be opened with as little as $2,000.
  • Higher dividends are paid when balances reach $10,000, $25,000 and $50,000.
  • Additional rate bonuses will be paid based on your Member Rewards


Invest your savings in a certificate to earn an even higher dividend rate.

  • Certificates can be opened with as little as $1,000.
  • Investment terms range from 3-months to 5-years.
  • Additional rate bonuses will be paid based on your Member Rewards

IRA Savings – Roth and Traditional

Open a COPFCU IRA Savings Account to accumulate retirement funds.

  • An IRA Savings can be opened with as little as $5.
  • Roth and Traditional IRA Savings are available.
  • Competitive dividends are paid.

IRA Certificates – Roth and Traditional

Invest IRA funds in a certificate to earn an even higher dividend rate.

  • Roth and Traditional IRA certificates can be opened with as little as $1,000.
  • Investment terms range from 3-months to 5-years.
  • Additional rate bonuses will be paid based on your Member Rewards

Coverdell Education IRAs

Save for your child’s future education expenses with a tax-favored Coverdell Education IRA. Coverdell Education IRAs allow you to save for elementary, middle, high school and college tuition. After-tax contributions of $2,000 can be made annually until your child’s 18th birthday.


To Open a New Savings or Certificate Account

Current COPFCU members can open additional savings accounts and purchase regular certificates in Online and Mobile Banking. If you’re not currently a COPFCU member, you can Open a New Membership now.

To Open a New Traditional or Roth IRA Savings or Certificate

Please Contact Us to open a Traditional or Roth IRA Savings Account or Certificate.

It’s Me 247 Online Banking

Our upgraded Online Banking system provides many enhancements for your convenience. In addition to the standard features like viewing your account balances, transferring funds and making loan payments, new enhancements include:

  • The ability to “see” and “jump” to your joint accounts without logging out of your primary account. Contact COPFCU for setup.
  • Set up e-Alerts and e-Notices
  • Review your loan payoff amounts
  • Purchase new certificates
  • Open additional savings accounts
  • The power to adjust how your direct deposit and other electronic deposits are handled
  • QuickenTM compatibility for transaction downloads
  • My Virtual Strongbox – A free online document storage vault for your wills, trusts, tax returns, etc.
  • Read important messages from COPFCU

Mobile Banking App

Our new mobile banking app provides improved functionality including:

  • Multiple log-in options: fingerprint, PIN, voice recognition or username/password
  • Ability to apply for a loan
  • Mobile check deposit
  • Mobile bill pay
  • Text alerts for debit/credit card transactions
  • Ability to temporarily lock your debit/credit card if it is lost, stolen or your suspect fraud
  • eStatements access

The mobile app is available from the App store and Google Play store. Search for “COPFCU Mobile” to find our apps quickly.

Learn more about Mobile Banking

Debit Cards

We are proud to offer MasterCard Debit Cards for our members. Your MasterCard Debit Card can be used locally, nationwide and worldwide wherever MasterCard is accepted. Our cards include the added security of an EMV chip. Apple Pay, Samsung Pay and Google Pay are also available on compatible smart phones. Cards can be used to make up to $1,500 in purchases per day and up to $1,000 in ATM withdrawals per day.

Free ATMs

All members will enjoy FREE ATM transactions at more than 39,000 ATMs nationwide.

  • COPFCU ATMs – Enjoy free unlimited transactions at our Colerain Branch ATM, Colerain High School ATM and Northwest High School ATM
  • PNC ATMs – Enjoy 6 free ATM transactions each month at any of the 15,000 PNC ATMs nationwide.
  • Co-op Shared Branching and Alliance One ATMs – Enjoy unlimited surcharge-free transactions at more than 30,000 Shared Branching ATMs nationwide and nearly 5,000 Alliance One ATMs nationwide.

Find a Free ATM now.

Savings (Share)


IRA Savings


Money Market

$2,000 - $9,999.99Up to 2.03%2.05%*
$10,000 - $24,999.99Up to 2.08%2.10%*
$25,000 - $49,999.99Up to 2.13%2.15%*
$50,000.00 - $99,999.99Up to 2.18%2.20%*
$100,000+Up to 2.23%2.25%*

Certificates / IRA Certificates

Youth 12 mo.4.888%5.00%$250
3 mo.Up to 1.981%2.00%*$1000
6 mo.Up to 2.715%2.75%*$1000
9 mo.Up to 2.813%2.85%*$1000
12 mo.Up to 2.959%3.00%*$1000
18 mo.Up to 3.056%3.10%*$1000
24 mo.Up to 3.202%3.25%*$1000
30 mo.Up to 3.445%3.50%*$1000
36 mo.Up to 3.687%3.75%*$1000
48 mo.Up to 3.735%3.80%*$1000
60 mo.Up to 3.928%4.00%*$1000