Copper State

15458 N 28th Ave, Phoenix, AZ 85053

NCUA Insured4.0 (213 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1951

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Phoenix, AZ may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1951

Low-Income Designated

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

15458 N 28th Ave

Phoenix, AZ 85053

Google Maps 🗺Waze

(602) 375-7300

Service Area

This credit union is located in Phoenix and serves members in the AZ area. Currently serving 37,655 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.50%

Used Auto Loan

4.25%

Personal Loan

11.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in AZ

Lowest rates currently reported by credit unions in AZ (NCUA Q4 2025).

First American— New Auto Loan

Casa Grande, AZ

2.99%

First American— Used Auto Loan

Casa Grande, AZ

4.09%

Marisol— Personal Loan

Phoenix, AZ

9.26%

Pima— Credit Card APR

Tucson, AZ

2.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(8 total)

Member Reviews

4.0

213 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Damien

4 months ago

This is the best Credit Union Branch in all of Arizona. Best customer service, best people with smiles on there face, best snacks...lol, and best place to finance auto or mortgages. Jessica, America, Gloria, Erika, and Anthony are the best representatives of how you should be treated and appreciated when banking.

Raymond Long

4 months ago

The staff at the Bell branch truly has a group of respectable gals and gentlemen that make you feel like family. Even when staff changes they are constantly of high character. I’m glad I bank here, I am not just a number here.

karla marquez

3 months ago

I CAN'T EVEN EXPRESSS HOW GREATFUL I AM TO TOD AND AMERICA, I AM IN LITTERAL TEARS, NOT ONLY ARE THEY KIND AND FRIENDLY AND FUNNY BUT THEY ARE AMAZING AT WHAT THEY DO! I WAS IN AN ACCIDENT MY VEHICLE WAS TOTALED I MENTIONED IT TO AMERICA AND TOLD HER I WAS IN THW PROCESS OF LOOKING FOR A VEHICLE AND SHE SUGGESTED I CALL TOD, AND I AM SO GLAD I DID! HE HELPED ME FIND AN AMAZING VEHICLE FOR AN AMAZING DEAL! I AM ALREADY REFERRING HIM AND AMERICA AND COPPER STATE TO EVERYONE I KNOW!!! THANK YOU GIYS AND GOD BLESS YOU FOR YOUR AMAZING WORK !!!

Danny Vega

4 months ago

Opened up my savings & checking account with the help with an outstandingly cheerful and insightful associate named Gloria who went above and beyond to answer any of my questions. Kudos to the customer service to my local branch!