Rates Complete COPFCU rates for all services

Loans

Auto / Truck Loans

Rate	Term
From 2.49% APR**^	Up to 76 Months
From 4.24% APR**^	Up to 84 Months

Motorcycle, Boat & RV Loans

Rate	Term
From 3.49% APR**^	Up to 76 Months
From 5.24% APR**^	77 to 84 Months
From 5.49% APR**^	85 to 120 Months	*Boat / RV only.

Visa Credit Cards

Rate
From 9.99% APR**

Personal Loans

Rate	Term
From 7.99% APR**^	Up to 60 Months

Student Loans

Rate	Term
Variable rates from 7.25% APR**	Up to 25 Years

Student Loan Refinance

Rate	Term
Variable rates from 3.75% APR**	Up to 15 Years
Fixed rates from 4.00% APR**	Up to 15 Years

Home Loans

Purchase / Refinance Mortgage

Term	Rate
30-Year Fixed FHA	From 4.625%
15-Year Fixed FHA	From 4.375%
30-Year Fixed VA	From 4.875%
15-Year Fixed VA	From 4.375%
30-Year Fixed Conventional	From 4.875%
20-Year Fixed Conventional	From 4.750%
15-Year Fixed Conventional	From 4.375%
10-Year Fixed Conventional	From 4.500%
30-Year Fixed Rural Development	From 4.625%

Home Equity

Term	Rate
5-Year Fixed	From 4.25% APR**
10-Year Fixed	From 4.75% APR**
15-Year Fixed	From 5.25% APR**

Home Equity Line-of-Credit

Term	Rate
10-Year Draw / 10-Year Repayment	Variable rates from 5.25% APR**

Checking and Savings

Savings (Share)

Rate	APY
.10%	.10%

IRA Savings

Rate	APY
.10%	.10%

Free Checking

Rate	APY
Does not earn dividends.

HSA Checking

Balance	Rate	APY
$0 - $49.99	.05%	.05%
$50.00 - $2,499.99	.10%	.10%
$2,500.00 - $9,999.99	.15%	.15%
$10,000+	.20%	.20%

Money Market

Balance	Rate	APY
$50.00 - $1,999.99	Up to .10%	.10%
$2,000 - $9,999.99	Up to .40%	.40%*
$10,000 - $24,999.99	Up to .50%	.50%*
$25,000 - $49,999.99	Up to .55%	.55%*
$50,000.00+	Up to .65%	.65%*

Certificates / IRA Certificates

Period	Rate	APY	Min.
Youth 12 mo.	3.44%	3.50%	$250
3 mo.	Up to .65%	.65%*	$1000
6 mo.	Up to .95%	.95%*	$1000
9 mo.	Up to 1.04%	1.05%*	$1000
12 mo.	Up to 1.19%	1.20%*	$1000
18 mo.	Up to 1.29%	1.30%*	$1000
24 mo.	Up to 1.49%	1.50%*	$1000
30 mo.	Up to 1.59%	1.60%*	$1000
36 mo.	Up to 1.69%	1.70%*	$1000
48 mo.	Up to 1.98%	2.00%*	$1000
60 mo.	Up to 2.18%	2.20%*	$1000

* Rate quoted includes the maximum Member Rewards rate bonus.

** APR – Annual Percentage Rate. Rates are subject to change without notice. Your actual rate may be higher based on your Member Rewards status and your overall credit profile.

^ Includes the maximum Member Rewards rate discount.

APY – Annual Percentage Yield. Rates are subject to change without notice. Your actual rate may be lower based on your Member Rewards status.