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Account Rates

Strengthen your financial foundation.
Grow your money at a steady rate.
Whatever goal you want to reach, Copper State Credit Union can help. We bring value to our members in Arizona and elsewhere with account rates that are structured to work in your best interests, because we're a not-for-profit credit union that gives back to our members.

Rates are subject to change after an account is opened. Fees may reduce earnings on accounts. Please see the Fee Schedule for more information. 

Rates effective as of September 21, 2020.

Share Accounts

Share Type Dividend Rate Annual Percentage Yield
Savings Accounts 0.05% 0.05%
Youth Accounts 0.05% 0.05%
CashBack Checking Account 0.05% 0.05%
Minimum $5.00 deposit is required to open a savings account. Rates are subject to change after the account is opened. Fees may reduce earnings on the account.

Money Market

Balance Dividend Rate Annual Percentage Yield
Less than $9,999 0.10% 0.10%
$1,000-$24,999 0.10% 0.10%
$25,000-$99,999 0.20% 0.20%
$100,000 and greater 0.30% 0.30%
Dividend rates are subject to change after the account is opened. Fees may reduce earnings on the account.

Certificate Rates

Description Dividend Rate Annual Percentage Yield Minimum Balance
6 Month Certificate 0.20% 0.20% $500
1 Year Certificate 0.40% 0.40% $500
2 Year Certificate 0.45% 0.45% $500
3 Year Certificate 0.50% 0.50% $500
4 Year Certificate 0.55% 0.55% $500
5 Year Certificate 0.60% 0.60% $500
Dividends are paid and compounded monthly. A penalty may be imposed for early withdrawal. The amount of the penalty depends on the term of the account. For certificates of 91 days or less, the penalty is 30 days’ dividends. For certificates of 92 days to 182 days, the penalty is 60 days’ dividends. For certificates of 183 days but less than two years, the penalty is 90 days’ dividends. For certificates of two years but less than 3 years, the penalty is 180 days’ dividends, and for certificates of 3 years of more, the penalty is 365 days’ dividends.

IRA Rates

Description Dividend Rate Annual Percentage Yield Minimum Balance
6 Month IRA Certificate 0.20% 0.20% $500
1 Year IRA Certificate 0.40% 0.40% $500
2 Year IRA Certificate 0.45% 0.45% $500
3 Year IRA Certificate 0.50% 0.50% $500
4 Year IRA Certificate 0.55% 0.55% $500
5 Year IRA Certificate 0.60% 0.60% $500
Dividends are paid and compounded monthly. A penalty may be imposed for early withdrawal. The amount of early withdrawal penalty is 30 days of dividends for terms up to 13 weeks, 60 days of dividends for 26 week terms, 90 days of dividends for 1 year terms, 180 days of dividends for 2 year terms, and 365 days of dividends for terms of 3 years or more.

Disclosure

APY is Annual Percentage Yield. Dividend rates are subject to change after the account is opened. Dividend rates and APYs are subject to change. Fees may reduce earnings.