Credit union · NCUA insured
Copper State Credit Union
A $672.1M credit union headquartered in Phoenix, AZ, with 37,804 members and 7 branches in Arizona. Best rates: CDs 3.85% and savings 0.75% APY.
Copper State Credit Union Carrot Score
80
Carrot Score
Higher than 51% of U.S. banks and credit unions
#39 of 60 in Phoenix, AZ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Copper State Credit Union
Formed in 2020 through a merger and member-owned, Copper State Credit Union is headquartered in Phoenix, Arizona.
Serving Arizona with seven local branch locations, the credit union focuses on strengthening Arizona families through financial empowerment.
Its heritage traces back through predecessor institutions including Canyon State Credit Union (tracing to 1951), Deer Valley Credit Union (1971), and Southwest Healthcare Credit Union.
- Headquarters
- 15458 N 28th Ave, Phoenix, AZ 85053
- NCUA charter
- 68502
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live in Arizona are eligible for membership.
Other ways
- Individuals may join by meeting other membership requirements.
Cost to join
- A minimum share deposit of $5.00 is required to open a Savings Account.
Branches
7 branches in Arizona
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Arizona
7 branches
Phoenix area · 6
- Anthem3428 W Anthem Way, Anthem, AZ 85086Directions
- Arrowhead18559 N 59th Ave, Glendale, AZ 85308Directions
- Goodyear1270 N Dysart Rd, Goodyear, AZ 85395Directions
- Bell2400 W Bell Rd, Phoenix, AZ 85023Directions
- Encanto1640 W Thomas Rd, Phoenix, AZ 85015Directions
- Surprise15613 W Bell Rd, Surprise, AZ 85374Directions
Payson area · 1
- Payson254 E State Highway 260, Payson, AZ 85541Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.70% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.53% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.42% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $80 | $76 | — |
- CapitalNet worth ratio9.70%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.53%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.42%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$80Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Copper State Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.