Mobile Banking Apps

Rates Complete COPFCU rates for all services

Loans

Auto, Truck & Motorcycle Loans

Rate	Term
From 5.24% APR**^	Up to 76 Months
From 6.99% APR**^	Up to 84 Months

Boat & RV Loans

Rate	Term	Minimum Loan Amount
From 6.74% APR**^	To 60 Months	Any
From 7.24% APR**^	61 to 76 Months	$20,000
From 7.99% APR**^	77 to 120 Months	$35,000
From 9.24% APR**^	121 to 180 Months	$50,000

Visa Credit Cards

Rate
From 9.99% APR**

Personal Loans

Rate	Term
From 8.99% APR**^	Up to 60 Months

Student Loans

Rate	Term
Variable rates from 4.50% APR**	Up to 25 Years
Fixed rates from 4.25% APR**	Up to 10 Years

Student Loan Refinance

Rate	Term
Variable rates from 4.50% APR**	Up to 15 Years
Fixed rates from 3.25% APR**	Up to 15 Years

Home Loans

Purchase / Refinance Mortgage

Term	Rate
30-Year Fixed FHA	From 6.250%
15-Year Fixed FHA	From 5.000%
30-Year Fixed VA	From 6.500%
15-Year Fixed VA	From 5.000%
30-Year Fixed - No Closing Costs	From 7.500%
30-Year Fixed Conventional	From 7.000%
20-Year Fixed Conventional	From 7.000%
15-Year Fixed Conventional	From 6.625%
10-Year Fixed Conventional	From 6.625%

Home Equity

Term	Rate
5-Year Fixed	From 5.99% APR**
10-Year Fixed	From 6.49% APR**
15-Year Fixed	From 6.99% APR**

Home Equity Line-of-Credit

Term	Rate
10-Year Draw / 10-Year Repayment	Variable rates from 7.50% APR**

Personal Checking

Elite Interest Checking

Balance	Rate	APY
$0 - $1,499.99	.05%	.05%
$1,500.00+	.15%	.15%

50+ Interest Checking

Rate	APY
.05%	.05%

HSA Checking

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

Savings & Investments

Savings (Share)

Rate	APY
.05%	.05%

IRA Savings

Rate	APY
.10%	.10%

Money Market

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

Certificates / IRA Certificates

Period	Rate	APY	Min.
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

Business Checking

Elite Business Interest Checking

Rate	APY
.05%	.05%

* 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.