Featured Savings Rates
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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
0.01%SavingsSub Share

Overview / Commentary
4265 Wilder Rd
Bay City, MI 48706

Copoco Community Credit Union is headquartered in Bay City and is the 103rd largest credit union in the state of Michigan. It is also the 1,593rd largest credit union in the nation. It was established in 1951 and as of September of 2017, it had grown to 37 employees and 12,915 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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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

NCUA #60470
Year Chartered1951
Primary Regulator
Profit Margin
Return on Assets - YTD0.13%
Return on Equity - YTD1.96%
Annual Interest Income$3.0MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$99.9MM$102.1MM
LoansQ3 2017vs Q3 2016$66.6MM$69.5MM
DepositsQ3 2017vs Q3 2016$90.9MM$92.9MM
Equity CapitalQ3 2017vs Q3 2016$6.5MM$6.7MM
Loan Loss AllowanceQ3 2017vs Q3 2016$1.3MM$1.2MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$335.00K$1.0MM
Real Estate OwnedQ3 2017vs Q3 2016$433.00K$339.00K
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Copoco Community Credit Union Savings Account Rates

0.25%--Open Share IRA
0.10%$10k-Premier Business Account
0.01%--Primary Share
0.01%--Christmas Club
0.01%--Sub 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