Rates Complete COPFCU rates for all services

Loans

Auto / Truck Loans

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

Motorcycle, Boat & RV Loans

Rate	Term
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

Rate	Term
From 7.74% APR**^	Up to 60 Months

Education / Student Loans

Rate	Term
Variable rates from 6.75% APR**	Up to 25 Years

Education Loans - Universal Refinance

Rate	Term
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

Term	Rate
30-Year Fixed FHA	From 3.750%
15-Year Fixed FHA	From 3.500%
30-Year Fixed VA	From 4.125%
15-Year Fixed VA	From 4.000%
30-Year Fixed Conventional	From 4.000%
20-Year Fixed Conventional	From 3.875%

Home Equity

Term	Rate
5-Year Fixed	From 3.75% APR**
10-Year Fixed	From 4.25% APR**
15-Year Fixed	From 4.75% APR**

Home Equity Line-of-Credit

Term	Rate
10-Year Draw / 10-Year Repayment	Variable rates from 4.75% 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
$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 .40%	.40%*
$25,000 - $49,999.99	Up to .45%	.45%*
$50,000.00+	Up to .55%	.55%*

Certificates / IRA Certificates

Period	Rate	APY	Min.
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.