Rates

Rates

Car & Truck Rates

New Auto (2023 & Newer)

Used Auto (2020 - 2022)

Used Auto (2019 & Older)

TermAPR* fromAPR* to
Up to 76 Months4.99%16.49%
Up to 84 Months*5.99%6.74%
TermAPR* from APR* to
Up to 60 Months5.49%16.49%
Up to 76 Months5.49%8.49%
TermAPR* fromAPR* to
Up to 48 Months5.74%16.49%
Up to 60 Months5.74%8.74%

Effective Date: 02/01/2026

*APR – Annual Percentage Rate. Limited-time vehicle loan rate discount of 0.50% off COPFCU’s standard vehicle loan rates. Actual rate, terms, and eligibility are subject to credit approval and may vary based on credit profile, vehicle age, loan amount, and financing term. Offer available for a limited time. Speak with a loan officer for full details. Minimum loan amount of $35,000 and credit score of 670+ required for loans financed for 84 months.

Recreational Vehicles

Available Rates

TermAPR* from APR* to
Up to 60 Months 6.99%17.24%
61-76 Months 7.49%17.24%
77-120 Months 7.99%10.49%
121-180 Months 8.99%9.99%

Effective Date: 02/01/2026

*APR - Annual Percentage Rate. Limited-time vehicle loan rate discount of 0.50% off COPFCU’s standard vehicle loan rates. Actual rate, terms, and eligibility are subject to credit approval and may vary based on credit profile, vehicle age, loan amount, and financing term. Offer available for a limited time. Speak with a loan officer for full details. Minimum loan amount of $50,000 and credit score of 670+ required for financing terms of 121-180 months.

Personal Loans

Rates

TermAPR* fromAPR* to
Up to 60 Months10.99%18.00%

Effective Date: 08/01/2025

*Annual Percentage Rate.

Undergrad Student Loans

Fixed Rates

Variable Rates

TermAPR* fromAPR* to
Up to 10 Years4.75%10.75%
TermAPR* fromAPR* toFloor
Up to 25 Years3.50%9.50%3.50%

Effective Date: 11/01/2025

*APR - Annual Percentage Rate. For all Undergraduate Student Loans, rates/APRs are subject to change without notice. Final offered rate will be based on the overall credit profile of student and/or co-borrower. A .25% rate discount is available for electing automated payments. Variable rates/APRs adjust quarterly based on the Prime Rate as reported in the Wall Street Journal. Speak with a Loan Officer for full details.

Student Loan Refinance

Fixed Rates

Variable Rates

TermAPR* fromAPR* to
5-year4.25% 8.75%
10-year 5.50% 10.00%
15-year6.50%11.00%
TermAPR* fromAPR* to
5-year3.25%7.75%
10-year4.50%9.00%
15-year5.25%9.75%

Effective Date: 01/01/2026

*APR - Annual Percentage Rate. For all Refinance Student Loans, rates/APRs are subject to change without notice. Final offered rate will be based on the overall credit profile of graduate and/or co-borrower. All rates displayed reflect a .25% rate discount for electing automated payments. Speak with a Loan Officer for full details. Variable-Rate Refinance Loans: Variable rates range from Prime – 3.50% (currently 3.50%) to Prime + 2.75% (currently 9.75% APR). Variable rates/APRs adjust quarterly based on the Prime Rate as reported in the Wall Street Journal.

Visa Credit Cards

Rates

Card TypeAPR* fromAPR* to
Visa Platinum Rewards9.99%13.99%
Visa Credit Builder14.99%14.99%
Visa Student Platinum Rewards17.99%17.99%

Effective Date: 08/01/2023

*APR - Annual Percentage Rate. Rates vary based on card type and overall credit profile. Speak with a Loan Officer for full details.

Mortgage Rates

Purchase / Refinance Rates

Term Rate/APR fromPoints
30-Year Conventional 5.875% / 6.050%0.375
20-Year Conventional5.875% / 6.109%0.375
15-Year Conventional5.625% / 5.935%0
30-Year VA 6.250% / 6.373%0
15-Year VA6.250% / 6.455%0
30-Year FHA6.500% / 6.625%0
15-Year FHA6.500% / 6.706%0

Effective Date: 02/18/2026

Mortgage rates change on a daily basis. Your actual rate may be higher or lower depending on when you apply. In addition, you may elect to pay points to buy down to a lower rate. Speak with a Mortgage Officer for full details.

Home Equity Loan Rates

80% Max. LTV*

90% Max. LTV*

TermAPR* fromAPR* to
5-Year Fixed6.49% 7.99%
10-Year Fixed6.99%8.49%
15-Year Fixed7.49%8.99%
TermAPR* fromAPR* to
5-Year Fixed 7.99% 9.49%
10-Year Fixed 8.49%9.99%
15-Year Fixed 8.99% 10.49%

Effective Date: 10/01/2024

*APR - Annual Percentage Rate. Your actual Rate/APR may vary depending on financing term selected, loan-to-value ratio and overall creditworthiness. These rates/APRs are subject to change without notice.

HELOC Rates

80% Max. LTV*

90% Max. LTV**

Credit ScoreAPR*
Prime = 7.00%
720+ 7.00% (Prime Plus .00%)
670 - 719 7.25% (Prime Plus .25%)
640 - 669 7.75% (Prime Plus .75%)
600 - 639 8.25% (Prime Plus 1.25%)
Credit ScoreAPR**
Prime = 7.00%
720+ 8.00% (Prime Plus 1.00%)
670 - 719 8.25% (Prime Plus 1.25%)
640 - 669 9.00% (Prime Plus 2.00%)
600 - 639 9.50% (Prime Plus 2.50%)

Effective Date: 11/01/2025

*APR - Annual Percentage Rate. Your HELOC rate/APR may vary depending on financing term selected, loan-to-value ratio and overall creditworthiness. The HELOC rates/APR’s range from Prime +.0% (currently 7.00%) to Prime + 2.50% (currently 9.50% APR) and adjust monthly based on the Prime Rate as published in the Wall Street Journal. Rates/APRs are subject to change without notice. Speak with a Loan Officer for full details.

Personal Checking Rates

Secure+ Interest

50+ Interest

Balance APY*Rate
$0 - $1,499.99 .00% .00%
$1,500.00+ .15% .15%
BalanceAPY*Rate
All funds0.05%0.05%

Effective Date: 04/01/2025

*Annual Percentage Yield

HSA Checking Rates

HSA Checking Rates

BalanceAPY*Rate
$50.00 - $499.990.05%0.05%
$500.00 - $2,499.990.05%0.05%
$2,500.00 - $9,999.990.10%0.10%
$10,000.00 + 0.15%0.15%

Effective Date: 08/01/2023

*Annual Percentage Yield

Savings Account Rates

Savings Accounts

BalanceAPY*Rate
$50.00 +0.05%0.05%

Effective Date: 08/01/2023

*Annual Percentage Yield

Certificate Rates

Base Rates

TermAPY*Rate
3 mo.3.00%2.960%
6 mo.3.25%3.202%
9 mo.3.25%3.202%
1 yr.3.45%3.397%
18 mo.3.45%3.397%
2 yr.3.25%3.202%
30 mo.3.25%3.202%
3 yr.3.25%3.202%
4 yr.3.25%3.202%
5 yr.3.25%3.202%

Effective Date: 11/01/2025

*Annual Percentage Yield. $1,000 minimum to open.

Youth Savings

Youth Primary Savings

Y-12 Certificate*

BalanceAPY*Rate
$50.00 +0.05%0.05%
BalanceAPY*Rate
$250.00 - $1,000.005.00%4.888%

Effective Date: 08/01/2023

*Annual Percentage Yield. $250 minimum to open Y-12 certificate.

Secure Credit Builder Loan Rates

Credit Builder Loan Rates

Loan TermAPR*
Up to 60 Months3% above deposit rate of account used to secure the funds

Effective Date: 08/01/2023

*APR - Annual Percentage Rate. Secure Credit Builder Loans are funded by regular share/savings or certificates. The maximum term for a Secure Credit Builder Loan is 60 months. If secured by a certificate, the term of the loan cannot exceed the term/maturity of the certificate. Maximum loan amount for a Secure Credit Builder Loan is $75,000. Speak with a loan officer for full details.

Business Account Rates

Elite Business Checking

Business Savings

BalanceAPY*Rate
$0 - $4,999.990.05%0.05%
$5,000.00 +0.15%0.15%
BalanceAPY*Rate
$50.00 +0.05%0.05%

Effective Date: 08/01/2023

*Annual Percentage Yield

IRA Savings & Certificates

IRA Savings

Certificates

BalanceAPY*Rate
All funds0.10%0.10%
TermAPY*Rate
3 mo.3.00%2.960%
6 mo.3.25%3.202%
9 mo.3.25%3.202%
1 yr.3.45%3.397%
18 mo.3.45%3.397%
2 yr.3.25%3.202%
30 mo.3.25%3.202%
3 yr.3.25%3.202%
4 yr.3.25%3.202%
5 yr.3.25%3.202%

Effective Date: 11/01/2025

*Annual Percentage Yield. $1,000 minimum to open certificates.

Money Market

Base Rates

BalanceAPY*Rate
$2,000 - $9,999.991.90%1.88%
$10,000 - $24,999.991.95%1.93%
$25,000 - $49,999.992.00%1.98%
$50,000 - $99,999.992.05%2.03%
$100,000 +2.10%2.08%

Effective Date: 11/01/2025

*Annual Percentage Yield

Updated 1/4/2023

Important Legal Disclaimer

*APR – Annual Percentage Rate. APY – Annual Percentage Yield.