PO BOX 1520
Bay City, MI 48706

Notable Rates APY Vs.Others
Savings 0.01% 2.25% →
1-Year CD 0.35% 2.25% →
2-Year CD 0.55% 2.50% →
5-Year CD 1.15% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 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 $98.94 millions in assets.

NCUA Insured Yes
Charter Number # # 60470
Date Established 1951
Assets $98.94 million
Loans $60.39 million
Deposits $88.89 million
Capital $8.78 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 - December 13, 2019

Your Current Location: Washington, WA 98101

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Fixed IRA
0.60% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.10% $1,000 - Learn MoreShow Less
6 Mo CD
0.15% $2,500 - Learn MoreShow Less
12 Mo CD
0.35% $500 - Learn MoreShow Less
18 Mo CD
0.45% $500 - Learn MoreShow Less
24 Mo CD
0.55% $5,000 - Learn MoreShow Less
30 Mo CD
0.60% $500 - Learn MoreShow Less
36 Mo CD
0.75% $1,000 - Learn MoreShow Less
48 Mo CD
1.01% $5,000 - Learn MoreShow Less
60 Mo CD
1.15% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.25% $1 - Learn MoreShow Less

Loan Rates - December 13, 2019

Your Current Location: Washington, WA 98101

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 - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Hart West Financial Inc.
NMLS ID: 116830
3.281% 3.250% 0.38 $980 $1,089 Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.


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:

Copoco Community Locations

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
17.11% 5.86

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 June 30, 2019, Copoco Community had $1,285,249 in non-current loans and $346,062 in owned assets. To cover these potential losses it had $8,778,262 in net worth and $757,376 in loans loss reserves. That gives it a Texas Ratio of 17.11%.

Net Worth
Copoco Community U.S. Average
8.87% 13.65%

Copoco Community FCU has a net worth of 8.87% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Copoco Community

Branches and Savings

What is Copoco Community?

A federal credit union, registered with the NCUA under certificate #60470.
Learn more about credit unions here.

Is Copoco Community FDIC insured?

No, credit unions are not insured by the FDIC. They are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance.

Who can join Copoco Community?

Please see Field of Membership information above for information on who is eligible to join.

What are Copoco Community's share account and share certificate rates?

Copoco Community's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Copoco Community?

Copoco Community has total capital of $8.78 million. Full information on Copoco Community's financial position is located above.

Who owns Copoco Community?

Credit Unions are owned by their members.

Where are Copoco Community branches located?

See branch locations nearby.

Are Copoco Community ATMs Open 24/7?

Do Copoco Community ATMs accept cash deposits?

Can Copoco Community customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Copoco Community have a mobile app?

Does Copoco Community have mobile deposit?

Does Copoco Community have quick pay?

How can Copoco Community transfer money to other banks or credit unions?

Does Copoco Community report to credit bureaus?

Does Copoco Community use Chexsystems?

Does Copoco Community use Equifax?

What is Copoco Community's toll free phone number?

What is Copoco Community's ACH Routing Number?

What is Copoco Community's SWIFT code?

Where can I find Copoco Community's wire transfer form?

What is the Copoco Community address for deposits?

What Products Does Copoco Community Offer

Does Copoco Community offer mortgages?

Compare mortgage rates here.

Does Copoco Community offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Copoco Community offer auto and RV loans?

Compare auto loan rates here.

Does Copoco Community offer student loans or personal loans?

Compare personal loan rates here.

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