Copoco Community Credit Union
Headquarters
Po Box 1520
Bay City, MI 48706
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2024 Overview
General Credit Union Information
Copoco Community is an NCUA insured institution located in Bay City, MI. It was founded in 1951 and has approximately $109.41 millions in assets.
| NCUA Insured | Yes / State-Chartered |
| Charter Number # | # 60470 |
| Date Established | 1951 |
| Assets | $109.41 million |
| Loans | $55.56 million |
| Deposits | $102.98 million |
| Capital | $9.39 million |
Field of Membership Restrictions
COPOCO Community CU is open to the residents, people maintaining employment, church members, registered students, and retirees receiving income compensation benefits in the following Michigan Counties; Bay, Arenac, Midland, Saginaw, Isabella, and Gladwin, the members of the acquired and merged CU's, CU employees, member affiliated organizations, family members of CU members, and the widows/widowers of deceased CU members that have not remarried.
Deposit Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.01% | $2,500 | $4,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.15% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.15% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.35% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.35% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.02% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.02% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.25% | $1 | $499 | Learn More |
Loan Rates - April 26, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for Copoco Community
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 1835285 |
6.787% | 6.750% | 0.38 | $1,203 | $2,076 | Learn More |
NMLS ID: 2059741 |
7.004% | 6.875% | 0.63 | $4,192 | $2,103 | Learn More |
NMLS ID: 3030 |
7.463% | 7.375% | 0.88 | $2,800 | $2,211 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Copoco Community
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Branches
Below are Copoco Community branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
COPOCO COMMUNITY is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
Copoco Community Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Copoco Community. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Copoco Community | U.S. Average |
|---|---|
| 0.91% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Copoco Community had $47,010 in non-current loans and $41,020 in owned assets. To cover these potential losses it had $9,393,610 in net worth and $277,285 in loans loss reserves. That gives it a Texas Ratio of 0.91%.
Net Worth
| Copoco Community | U.S. Average |
|---|---|
| 8.58% | 13.62% |
Copoco Community FCU has a net worth of 8.58% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Copoco Community
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