Mobile Banking Apps

Rates Complete COPFCU rates for all services

Loans

Auto, Truck & Motorcycle Loans

Rate	Term
From 3.99% APR**^	Up to 76 Months
From 5.49% APR**^	Up to 84 Months

Boat & RV Loans

Rate	Term	Minimum Loan Amount
From 6.24% APR**^	To 60 Months	Any
From 5.74% APR**^	61 to 76 Months	$20,000
From 6.74% APR**^	77 to 120 Months	$35,000
From 8.24% APR**^	121 to 180 Months	$50,000

Visa Credit Cards

Rate
From 9.99% APR**

Personal Loans

Rate	Term
From 8.49% APR**^	Up to 60 Months

Student Loans

Rate	Term
Variable rates from 6.50% APR**	Up to 25 Years
Fixed rates from 7.00% APR**	Up to 10 Years

Student Loan Refinance

Rate	Term
Variable rates from 4.50% APR**	Up to 15 Years
Fixed rates from 5.00% APR**	Up to 15 Years

Home Loans

Purchase / Refinance Mortgage

Term	Rate
30-Year Fixed FHA	From 3.875%
15-Year Fixed FHA	From 3.750%
30-Year Fixed VA	From 3.750%
15-Year Fixed VA	From 3.625%
30-Year Fixed Conventional	From 4.000%
20-Year Fixed Conventional	From 3.875%
15-Year Fixed Conventional	From 3.625%
10-Year Fixed Conventional	From 3.500%
30-Year Fixed Rural Development	From 3.625%

Home Equity

Term	Rate
5-Year Fixed	From 4.75% APR**
10-Year Fixed	From 5.25% APR**
15-Year Fixed	From 5.75% APR**

Home Equity Line-of-Credit

Term	Rate
10-Year Draw / 10-Year Repayment	Variable rates from 5.75% 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
$2,000 - $9,999.99	Up to .90%	.90%*
$10,000 - $24,999.99	Up to 1.00%	1.00%*
$25,000 - $49,999.99	Up to 1.09%	1.10%*
$50,000.00 - $99,999.99	Up to 1.19%	1.20%*
$100,000+	Up to 1.34%	1.35%*

Certificates / IRA Certificates

Period	Rate	APY	Min.
Youth 12 mo.	3.93%	4.00%	$250
3 mo.	Up to 1.242%	1.25%*	$1000
6 mo.	Up to 1.587%	1.60%*	$1000
9 mo.	Up to 1.685%	1.70%*	$1000
12 mo.	Up to 1.980%	2.00%*	$1000
18 mo.	Up to 2.078%	2.10%*	$1000
24 mo.	Up to 2.371%	2.40%*	$1000
30 mo.	Up to 2.420%	2.45%*	$1000
36 mo.	Up to 2.518%	2.55%*	$1000
48 mo.	Up to 2.615%	2.65%*	$1000
60 mo.	Up to 2.761%	2.80%*	$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.