Rates Complete COPFCU rates for all services

Loans

Auto / Truck Loans

RateTerm
From 2.49% APR**^ Up to 72 Months
From 3.99% APR**^Up to 84 Months

Motorcycle, Boat & RV Loans

RateTerm 
From 3.49% APR**^Up to 72 Months
From 4.99% APR**^73 to 84 Months
From 5.24% APR**^85 to 120 Months*Boat / RV only.

Visa Credit Cards

Rate
From 9.99% APR**

Personal Loans

RateTerm
From 7.74% APR**^ Up to 60 Months

Education / Student Loans

RateTerm
Variable rates from 6.75% APR**
Up to 25 Years

Education Loans - Universal Refinance

RateTerm
Variable rates from 3.25% APR**Up to 15 Years
Fixed rates from 4.00% APR**Up to 15 Years

Home Loans

Purchase / Refinance Mortgage

TermRate
30-Year Fixed FHAFrom 4.000%
15-Year Fixed FHAFrom 3.625%
30-Year Fixed VAFrom 4.125%
15-Year Fixed VAFrom 3.875%
30-Year Fixed ConventionalFrom 4.125%
20-Year Fixed Conventional From 3.875%

Home Equity

TermRate
5-Year FixedFrom 3.75% APR**
10-Year FixedFrom 4.25% APR**
15-Year FixedFrom 4.75% APR**

Home Equity Line-of-Credit

TermRate
10-Year Draw / 10-Year RepaymentVariable rates from 4.75% APR**

Checking and Savings

Savings (Share)

RateAPY
.10%.10%

IRA Savings

RateAPY
.10%.10%

Free Checking

RateAPY
Does not earn dividends.

HSA Checking

BalanceRateAPY
$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

BalanceRateAPY
$50.00 - $1,999.99Up to .10%.10%
$2,000 - $9,999.99Up to .40%.40%*
$10,000 - $24,999.99Up to .40%.40%*
$25,000 - $49,999.99Up to .45%.45%*
$50,000.00+Up to .55%.55%*

Certificates / IRA Certificates

PeriodRateAPYMin.
Youth 12 mo.2.99%3.00%$250
3 mo.Up to .50%.50%*$1000
6 mo.Up to .75%.75%*$1000
9 mo.Up to .80%.80%*$1000
12 mo.Up to .90%.90%*$1000
18 mo.Up to 1.00%1.00%*$1000
24 mo.Up to 1.25%1.25%*$1000
30 mo.Up to 1.34%1.35%*$1000
36 mo.Up to 1.44%1.45%*$1000
48 mo.Up to 1.84%1.85%*$1000
60 mo.up to 2.13%2.15%*$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.

A credit Union for the Public Sector - serving our members competitive rates since 1935.