Credit union · NCUA insured
COPFCU Savings Rates
COPFCU’s best savings rate is 1.95% APY on $10,000, with its COPFCU Money Market Account. Rates checked October 16, 2026.
How COPFCU’s savings rates compare
Compared with banks and credit unions near Cincinnati, OH-KY-IN, where COPFCU has the most branches. $10,000, best rate first.
This credit union’s best
COPFCU
1.95%APY
- Minimum
- $2,000
- Earns on $10,000 a year
- $195
COPFCU Money Market Account
Top rate
General Electric Credit Union
4.25%APY
- Minimum
- $0
- Earns on $10,000 a year
- $425
2nd-highest rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
COPFCU savings score
88
Savings score
Higher than 83% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0001.95%
- $100,000 balance$100,0002.10%
- QualifiedQualified1.95%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where COPFCU ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
COPFCU Money Market Account
1.95%APY
Minimum balance to open is $2,000. Tiered interest rates based on balance.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $10,000 | 1.90% | — |
| $10,000 – $25,000 | 1.95% | $195 |
| $25,000 – $50,000 | 2.00% | — |
| $50,000 – $100,000 | 2.05% | — |
| $100,000 and up | 2.10% | — |
Sources (1)
- copfcu.com/accounts/savings/money-market · captured Sep 17, 2026
Primary Savings Account
0.05%APY
Establishes membership with COPFCU. Minimum balance of $50 is required to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upEarn competitive dividends on balances of $50 or more.$50 and up | 0.05% | $5 | Earn competitive dividends on balances of $50 or more. |
Sources (1)
- copfcu.com/accounts/savings/savings-accounts · captured Sep 17, 2026
Secondary Savings Accounts
0.05%APY
Operates just like a Primary Savings Account. Can set an account nickname and be used to cover checking overdrafts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upAll Primary Savings benefits apply. Minimum balance of $50 required to earn dividends.$50 and up | 0.05% | $5 | All Primary Savings benefits apply. Minimum balance of $50 required to earn dividends. |
Sources (1)
- copfcu.com/accounts/savings/savings-accounts · captured Sep 17, 2026
Special-purpose accounts
IRA Savings
0.10%APY
Available as Traditional IRA Savings or Roth IRA Savings. No minimum balance requirement and no monthly service fee. Consult a tax advisor regarding eligibility, contribution limits, and early withdrawal penalties.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarn competitive dividends on full balance (all funds).Any balance | 0.10% | $10 | Earn competitive dividends on full balance (all funds). |
Sources (1)
- copfcu.com/accounts/savings/ira-savings-and-certificates · captured Sep 17, 2026
Youth Primary Savings Account
0.05%APY
For members age 14 and under. Automatic enrollment in COPFCU Kids Club. Requires minor's SSN and a parent/guardian as joint owner with valid government ID.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upEarn competitive dividends on balances of $50 or more.$50 and up | 0.05% | $5 | Earn competitive dividends on balances of $50 or more. |
Sources (2)
All captured Sep 17, 2026
Who can join COPFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Military, government and schools
- Membership is open to police, firemen, public school employees, and federal, state, and local government employees.
Family and household
- Membership is open to family members of eligible public servants and government employees.
Membership information collected October 5, 2026.