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COPOCO Community Credit Union Rates & Review April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Rates Last Updated: April 21, 2026

You can compare COPOCO Community Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.50%, 6-month share certificate rates at 0.50% and 3-month share certificate rates at 1.41%. Savings rates are at 0.05% and money market rates are at 0.10%. Mortgage rates on 30-year fixed loans are around 6.07%. All these rates can be compared to COPOCO Community Credit Union rates. MonitorBankRates evaluates the financial stability of COPOCO Community Credit Union with a 4.9 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.06%. Rates were last updated on 04/21/2026.

COPOCO Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at COPOCO Community Credit Union? Share your experience about COPOCO Community Credit Union by leaving a review below, or read customer reviews before you decide to use COPOCO Community Credit Union.

Overall Health & Safety Grade ?
A
Excellent Health Score: 93/100
MonitorBankRates Rating ?
4.9
Exceptional Out of 5.0 Stars
Texas Ratio ?
11.06%
Excellent Higher than avg
COPOCO Community Credit Union
COPOCO Community Credit Union
4265 Wilder Rd
Bay City, MI 48706
https://www.copoco.org
Member NCUA

Current Rate Availability

We do not have COPOCO Community Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for COPOCO Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather COPOCO Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with COPOCO Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name COPOCO Community Credit Union
Website https://www.copoco.org
Address 4265 Wilder Rd, Bay City, MI 48706
Phone 989-684-1873
Fax 989-684-3631
President Alan Shurkey
CEO Doreen Smith
Full-Time Employees 21
Part-Time Employees 12
Branch Locations 3
ATM Locations 7
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
4.9 / 5.0 ★
Overall Health & Safety Grade
A (93/100)
Texas Ratio
11.06%
Return on Assets (ROA)
-0.1603%
Return on Equity (ROE)
-2.3234%
Non-Performing Loans Ratio (NPL)
1.63%
Total Assets
112,966,532
Total Amount of Shares and Deposits
107,873,432
Total Shares and Deposits < 1 Year
105,385,132
Total Shares and Deposits 1 3 Years
1,968,256
Total Shares and Deposits > 3 Years
520,044
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,978,864
Total Uninsured Shares and Deposits > $250K (F+J)
2,978,864
Total Insured Shares and Deposits > $250K (item 17 less item K)
104,894,568
Total Interest Expense (Sum of items 6 8)
198,549
Share Certificates
813
Number of Accounts for Share Drafts
4,414
IRA KEOGH Accounts
183
Number of Accounts for Regular Shares
10,189
All other shares
122
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
8,100,279
Total Liabilities
108,902,336
Source: NCUA — Last Updated 03/31/2024

Customer Reviews

There are no reviews for COPOCO Community Credit Union yet. Feel free to create one below.
Average Rating
☆☆☆☆☆
Total Reviews
0
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Frequently Asked Questions About COPOCO Community Credit Union

Is COPOCO Community Credit Union a safe place to deposit money?

Yes, COPOCO Community Credit Union is considered a safe financial institution. With a Texas Ratio of 11.060226660593%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does COPOCO Community Credit Union operate?

COPOCO Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join COPOCO Community Credit Union?

Yes, to access services at COPOCO Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, COPOCO Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, COPOCO Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does COPOCO Community Credit Union offer online and mobile banking?

Most modern institutions like COPOCO Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.copoco.org.

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