Copoco Community

PO Box 1520, Bay City, MI 48706

NCUA Insured2.6 (83 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 Bay City, MI 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

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

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

PO Box 1520

Bay City, MI 48706

Google Maps 🗺Waze

(989) 684-1873

Service Area

This credit union is located in Bay City and serves members in the MI area. Currently serving 7,500 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.

Loan Rates

Rates sourced from NCUA call report data (Q1 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.25%

Used Auto Loan

6.25%

Personal Loan

9.50%

Credit Card APR

9.90%

Important: Rates are sourced from NCUA call report filings (Q1 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 MI

Lowest rates currently reported by credit unions in MI (NCUA Q1 2025).

Michigan Legacy— New Auto Loan

Wyandotte, MI

2.19%

Awakon— Used Auto Loan

Onaway, MI

3.99%

International Uaw— Personal Loan

Detroit, MI

5.50%

Circle— Credit Card APR

Niles, MI

4.80%

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

Branches & Locations

Branch information not available for this credit union.

Member Reviews

2.6

83 Google reviews

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

View on Google Maps

Brady Abbs

3 months ago

I’ve been at Copoco credit union since I have been 5 years old.I’ve done business as a adult here and loved the at home feeling from the member services,loan department,and the ease of doing everything. The merger with Elga credit union has been an absolute disaster from day one not a smooth transition at all and the fee list is extensive and very expensive. From an older customer this was a big let down from a business I once enjoyed doing business with. I’m on the hunt to find better banking and will close every loan and account the second I find that.

Justin Zielinski

3 months ago

Absolutely terrible! Copoco customer for 15 years, the new ALGA is 0/10. Deactivated my debt card and credit card (due to a new merger) without any notice, call, mail, etc. When asked how I could get a card, they said it would be 7 days of I could pay “$30 to ship overnight” not even offering to pay it for their mistake. Do not use this terrible bank!! I will be closing my loan and card with them.

Willa Fowler

3 months ago

Have been banking here for about 50 years. Always great service. Any issues addressed efficiently. Great people to work with. Love this credit union!

emily werth

6 months ago

Looked into opening a checking and savings account. I was told I had to be a member for x amount of weeks before I was able to open a checking account. I was also informed that I had to have at least $300 in my checking account at all times or else a fee would be charged. Woman who was in charge of opening accounts was rude and cold. I left and decided to take my money somewhere else. Not a good vibe at all!