Featured Savings Rates
Featured Accounts

Copoco Community Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.15%5-year CD5 Year Certificate
0.35%1-year CD1 Year Certificate
0.05%SavingsSecondary Share

Overview / Commentary
989-684-1873
4265 Wilder Rd
Bay City, MI 48706

Copoco Community Credit Union is headquartered in Bay City and is the 102nd largest credit union in the state of Michigan. It is also the 1,586th largest credit union in the nation. It was established in 1951 and as of December of 2016, it had grown to 40 employees and 13,832 members at 3 locations. Copoco Community Credit Union has a C+ health rating.

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.
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Health
C+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Copoco Community Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #60470
Year Chartered1951
Employees40
Primary Regulator
Profit Margin
Return on Assets - YTD-1.38%
Return on Equity - YTD-22.39%
Annual Interest Income$4.2MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$99.9MM$100.7MM
LoansQ4 2016vs Q4 2015$71.6MM$67.8MM
DepositsQ4 2016vs Q4 2015$91.7MM$90.8MM
Equity CapitalQ4 2016vs Q4 2015$6.2MM$7.9MM
Loan Loss AllowanceQ4 2016vs Q4 2015$1.5MM$960.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$1.2MM$1.3MM
Real Estate OwnedQ4 2016vs Q4 2015$325.00K$423.00K
Rates
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Copoco Community Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%--Open Share IRA
0.25%$10k-Premier Business Account
0.05%--Primary Share
0.05%--Christmas Club
0.05%--Escrow
0.05%--Secondary Share

Copoco Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%$500-5 Year Certificate
1.01%$5k-48 Month Certificate
0.75%$1k-36 Month Certificate
0.60%$500-30 Month Certificate
0.55%$5k-24 Month Certificate
0.45%$500-18 Month Certificate
0.35%$500-1 Year Certificate
0.35%$50-1 Year Youth Certificate
0.20%$2,500-9 Month Certificate
0.18%$2,500-7 Month Certificate
0.15%$2,500-6 Month Money Market Certificate
0.15%$300-6 Month Youth Certificate
0.10%$1k-3 Month Certificate

Copoco Community Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.15%$1k-5 Year IRA Certificate
1.15%$1k-5 Year Roth IRA Certificate
0.65%$1k-2 Year IRA Certificate
0.65%$1k-2 Year Roth IRA Certificate
0.60%$1k-1 Year IRA Certificate
0.60%$1k-1 Year Roth IRA Certificate
Locations


Copoco Community Credit Union Locations
Branch Office4265 Wilder RdBay City, MI 48706
Branch Office3262 Cabaret Trl SSaginaw, MI 48603
Branch Office1479 Straits DrBay CIty, MI 48706