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Copoco Community Credit Union

Popular Accounts at this Credit Union

1.15%5-year CD5 Year Certificate
0.35%1-year CD1 Year Certificate
0.10%SavingsSecondary Share

Overview / Commentary
4265 Wilder Rd
Bay City, MI 48706

Copoco Community Credit Union is headquartered in Bay City and is the 96th largest credit union in the state of Michigan. It is also the 1,541st largest credit union in the nation. It was established in 1951 and as of June of 2016, it had grown to 39 employees and 14,187 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 Grade Components

NCUA #60470
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD-0.56%
Return on Equity - YTD-7.4%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$103.8MM$102.0MM
LoansQ2 2016vs Q2 2015$68.9MM$67.9MM
DepositsQ2 2016vs Q2 2015$93.4MM$91.3MM
Equity CapitalQ2 2016vs Q2 2015$7.8MM$8.3MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.1MM$909.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$1.4MM$1.5MM
Real Estate OwnedQ2 2016vs Q2 2015$396.00K$315.00K
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Copoco Community Credit Union Savings Account Rates

0.50%--Open Share IRA
0.25%$10k-Premier Business Account
0.10%--Primary Share
0.10%--Christmas Club
0.10%--Secondary Share

Copoco Community Credit Union CD Rates

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

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

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