If you are using a screen reader or other auxiliary aid and are having problems using this site, please contact us at 513-381-2677. All products and services available on this site are available at all COPFCU locations. COPFCU is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to further increase accessibility and usability of our website for everyone. (close)

Rates Complete COPFCU rates for all services

Loans

Auto / Truck Loans

RateTerm
From 2.24% APR**^ Up to 76 Months
From 3.74% 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

Student Loans

RateTerm
Variable rates from 7.00% APR**
Up to 25 Years

Student Loan Refinance

RateTerm
Variable rates from 3.50% 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 4.375%
15-Year Fixed FHAFrom 3.875%
30-Year Fixed VAFrom 4.625%
15-Year Fixed VAFrom 3.875%
30-Year Fixed ConventionalFrom 4.625%
20-Year Fixed Conventional From 4.375%

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 5.00% 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.