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Rates Complete COPFCU rates for all services


Auto, Truck & Motorcycle Loans

From 2.99% APR**^ Up to 76 Months
From 4.74% APR**^Up to 84 Months

Boat & RV Loans

RateTermMinimum Loan Amount
From 4.99% APR**^To 60 MonthsAny
From 4.49% APR**^61 to 76 Months$20,000
From 5.49% APR**^77 to 120 Months$35,000
From 6.99% APR**^121 to 180 Months$50,000

Visa Credit Cards

From 9.99% APR**

Personal Loans

From 8.49% APR**^ Up to 60 Months

Student Loans

Variable rates from 3.75% APR**
Up to 25 Years
Fixed rates from 4.25% APR**Up to 10 Years

Student Loan Refinance

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

30-Year Fixed FHAFrom 2.750%
15-Year Fixed FHAFrom 2.250%
30-Year Fixed VAFrom 2.750%
15-Year Fixed VAFrom 2.500%
30-Year Fixed ConventionalFrom 3.000%
20-Year Fixed Conventional From 2.625%
15-Year Fixed ConventionalFrom 2.375%
10-Year Fixed ConventionalFrom 2.250%
30-Year Fixed Rural DevelopmentFrom 2.750%

Home Equity

5-Year FixedFrom 4.25% APR**
10-Year FixedFrom 4.75% APR**
15-Year FixedFrom 5.25% APR**

Home Equity Line-of-Credit

10-Year Draw / 10-Year RepaymentVariable rates from 3.75% APR**

Checking and Savings

Savings (Share)


IRA Savings


Free Checking

Does not earn dividends.

HSA Checking

$50.00 - $2,499.99.05%.05%
$2,500.00 - $9,999.99.10%.10%

Money Market

$2,000 - $9,999.99Up to .35%.35%*
$10,000 - $24,999.99Up to .40%.40%*
$25,000 - $49,999.99Up to .45%.45%*
$50,000.00 - $99,999.99Up to .50%.50%*
$100,000+Up to .55%.55%*

Certificates / IRA Certificates

Youth 12 mo.3.928%4.00%$250
3 mo.Up to .350%.35%*$1000
6 mo.Up to 0.449%0.45%*$1000
9 mo.Up to 0.549%0.55%*$1000
12 mo.Up to 0.648%0.65%*$1000
18 mo.Up to 0.697%0.70%*$1000
24 mo.Up to 0.796%0.80%*$1000
30 mo.Up to 0.796%0.80%*$1000
36 mo.Up to 0.846%0.85%*$1000
48 mo.Up to 0.897%0.90%*$1000
60 mo.Up to 0.995%1.00%*$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.