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

Copoco Community Credit Union is headquartered in Bay City and is the 105th largest credit union in the state of Michigan. It is also the 1,613th largest credit union in the nation. It was established in 1951 and as of June of 2018, it had grown to 34 employees and 12,614 members at 3 locations. Copoco Community Credit Union has a B 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

Health Grade Components

Overall
NCUA #60470
Year Chartered1951
Employees34
Primary Regulator
Profit Margin
Return on Assets - YTD0.6%
Return on Equity - YTD9.19%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$100.4MM$101.8MM
LoansQ2 2018vs Q2 2017$62.7MM$68.0MM
DepositsQ2 2018vs Q2 2017$91.9MM$93.2MM
Equity CapitalQ2 2018vs Q2 2017$6.6MM$6.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$1.0MM$1.4MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$344.00K$266.00K
Real Estate OwnedQ2 2018vs Q2 2017$473.00K$599.00K
Rates
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Copoco Community Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--Open Share IRA
0.10%$10k-Premier Business Account
0.01%$5-Primary Share
0.01%--Christmas Club
0.01%--Escrow
0.01%--Sub Share

Copoco Community Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$5k-5 Year Certificate Special - New Money Only
1.15%$500-5 Year Certificate
1.01%$5k-48 Month Certificate
1.01%$5k-48 Month Bump-up 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%$2.5k-9 Month Certificate
0.18%$2.5k-7 Month Certificate
0.15%$2.5k-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

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