What are the current interest rates at Copper State Credit Union?

Current rates for Copper State Credit Union include: 12-Month CD: 3.51%, 24-Month CD: 3.60%, 60-Month CD: 3.85%

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Copper State Credit Union

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Copper State Credit Union Rates & Review October 2026

Q: Is a member application needed to join Copper State Credit Union?

Yes, to access services at Copper State 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Copper State Credit Union's top rates as of October 10, 2026 are 3.85% APY on its 5 Year CD, 0.01% APY on checking, and auto loans from 5.25% APR, according to rates verified by MonitorBankRates. Other Copper State Credit Union CD rates include 4 Year CD at 3.75%, 3 Year CD at 3.65%, and 2 Year CD at 3.60%. MonitorBankRates evaluates the financial stability of Copper State Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.49%. Rates last updated and verified on 10/10/2026.

Copper State 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 Copper State Credit Union? Share your experience about Copper State Credit Union by leaving a review below, or read customer reviews before you decide to use Copper State Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.49%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Copper State Credit Union
Operations Center

15458 N 28th Ave
Phoenix, AZ 85053

https://www.copperstatecu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Copper State Credit Union CD Rates

Product	Rate	APY	Term
5 Year Certificate	3.78%	3.85%	5 Year
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
4 Year Certificate	3.69%	3.75%	4 Year
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
3 Year Certificate	3.59%	3.65%	3 Year
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
2 Year Certificate	3.54%	3.60%	2 Year
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
1 Year Certificate	3.45%	3.51%	1 Year
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%
6 Month Certificate	3.45%	3.51%	6 Month
Min Deposit $500 Min Balance $500 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

Copper State Credit Union Checking Rates

Product	Rate	APY	View More
Teen Checking	0.01%	0.01%
Min Deposit $25 Details Fees may reduce earnings on the account. In order to earn the disclosed APY, you must maintain a balance at least equal to $5,000.00 in your account each day. If interest is accrued, payment will be reflected in member's monthly statements. Last Updated 10/10/2026 Rate History No change since Sep 27, 2026 · 0.01% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

Copper State Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Loans	-	-	5.50%
Details Rates as low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

Copper State Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New & Used Auto Loans	-	-	5.25%
Details Rates as low as Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 5.25% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.49%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Copper State Credit Union’s Texas Ratio fell from 6.97% in Q3 2023 to 3.49% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$701M	3.49%	5.0	A+
March 31, 2026	$672M	4.56%	5.0	A+
December 31, 2025	$645M	5.69%	5.0	A+
September 30, 2025	$632M	6.92%	5.0	A
June 30, 2025	$617M	7.24%	5.0	A
March 31, 2025	$609M	6.16%	5.0	A
December 31, 2024	$592M	5.84%	5.0	A+
September 30, 2024	$601M	6.53%	5.0	A
June 30, 2024	$597M	5.82%	5.0	A+
March 31, 2024	$611M	9.58%	5.0	A
December 31, 2023	$600M	9.20%	5.0	A
September 30, 2023	$604M	6.97%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Copper State 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 Copper State 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 Copper State Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Copper State Credit Union

Website https://www.copperstatecu.org

Address 15458 N 28th Ave, Phoenix, AZ 85053

Phone 602-375-7300

Fax 602-375-7333

President Dennis McDonald

CEO Robert Scott

Full-Time Employees 146

Part-Time Employees 2

Branch Locations 7

ATM Locations 7

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.49%

Return on Assets (ROA)

0.2023%

Return on Equity (ROE)

2.0819%

Non-Performing Loans Ratio (NPL)

0.53%

Total Assets

700,837,689

Total Amount of Shares and Deposits

606,905,729

Total Shares and Deposits < 1 Year

579,430,727

Total Shares and Deposits 1 3 Years

18,755,147

Total Shares and Deposits > 3 Years

8,719,855

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

46,345,615

Total Uninsured Shares and Deposits > $250K (F+J)

46,345,615

Total Insured Shares and Deposits > $250K (item 17 less item K)

560,560,114

Total Interest Expense (Sum of items 6 8)

5,422,443

Share Certificates

4,326

Number of Accounts for Share Drafts

24,314

Number of Accounts for Regular Shares

39,080

Money Market Shares

4,725

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

63,113,482

Total Liabilities

647,385,224

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Copper State Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/copper-state-credit-union-rates-review-68502">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About Copper State Credit Union

How many branches does Copper State Credit Union operate?

Copper State 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 Copper State Credit Union?

Yes, to access services at Copper State 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, Copper State 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, Copper State Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Copper State Credit Union offer online and mobile banking?

Most modern institutions like Copper State 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.copperstatecu.org.