Find Some Of The Best Rates In Arizona

New & Used Auto Loans

Rates as low as

5.25% APR*

Mortgage Loans

Rates as low as

6.06% APR*

Home Equity Loans

Rates as low as

5.50% APR*

6 Month Certificate

Rates as high as

3.51% APY**

Explore Our Full Range Of Account And Loan Options

Why Choose Copper State Credit Union

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Invested In Arizona

For 75 years, we've helped keep money local and support the communities we call home.

Hands and Heart
Members Come First

We’re not for profit, so everything we do is to help you build a stronger financial future.

Mobile Banking (2)
Exceptional Mobile Banking

Bank your way with the latest digital banking technology, making it easy to manage accounts and apply for loans on the go.

Committed To Empowering You

Strengthening Arizona Families Through Financial Empowerment

As a local, not-for-profit credit union, we’re proud to focus on what matters most: helping Arizona families build stronger financial futures. We know financial success looks different for everyone, which is why we offer affordable services, trusted guidance and free resources designed to help you reach your unique goals.

We're focused on helping you succeed with:

  • Accounts, loans and financial services to support all your banking needs in one place
  • Personalized guidance to help you make confident financial decisions
  • Convenient online applications and transparent rates that make it easy to get started
  • Digital and mobile banking tools that help you manage your finances anytime, anywhere
  • Local service and support from a team that puts you first

No matter where you are on your financial journey, we're here to help you build financial well-being on your terms.
JOIN TODAY
Committed to empowering you
100
%

See Why Arizona Families Choose Us

 Friendly service. Easy to use app. Highly competitive rates.  

Phillip J.

 Since day one Copper state it’s been there for me and I really appreciate the beautiful smiles and attention that I receive every time I step inside the bank  

Carlos A.

 I have been with this credit union for over 30 years and they have always been there to help me with anything I need.  

Courtney W.

 They caught someone trying to use my account fraudulently and stopped them and immediately notified me. I couldn’t be happier with them!! 

Victor L.

 Banking online with Copper State Credit union is so easy, and the staff is great when you visit a location. 

Eric A.

 Every interaction I've had with Copper State CU employees either in-person or online has been extremely pleasant and very helpful. 

Joseph J.

 I love everything about my Credit Union. Great people Amazing Customer Service. They all make you feel like family! 

Jeanene L.

 Team is always efficient and pleasant . Always feel protected with my information. My money and great customer service.  

Priscilla T.

 Service has been excellent and everyone who assisted us is very helpful and friendly. 

Ray M.

 Every time I have went in to the branch the reps are so kind and helpful always help me with my questions. Even using the chat on the app I have always been able to get answers.  

Catalina V.

 Professional, prompt and professional service, and vey responsive to phone calls and answering questions. 

Matthew K.

 I have been with this credit union for many years...always professional, convenient and always assisting me to achieve my financial goals 

Shannon S.

 Excellent service. Very friendly and very helpful and overall kind and considerate. 

Nancy A.

 I have been with the credit union since 1994. They have always treated me with kindness and respect. They also go above and beyond for their members.  

Anne T.

 Always friendly staff to greet you and provide excellent service for all your needs. Always a great experience on every visit  

Bruce H.

 Copper State Credit Union makes life easier, no hassle, great online programming that is easy to use and they have great customer service. 

Candace M.

 The entire loan process for our pool was extremely fast and efficient. Even the notary worked around our busy schedule to get the documents signed. Very pleased with the staff.  

Thomas N.

 I've been a member for what seems like forever ... I believe there are more advantages to being a member vs. anything conventional banks may offer. PLUS -- I'm 'old' ... I recommend Copperstate to young people, starting out. 

Joseph J.

 Everyone we have delt with has been professional, responsive and made it a great experience 

Karen R.

 Everything regarding my loan went perfect and the people I dealt with were very pleasant and professional 

Lynn L.

Open Your Account In Minutes!

Copper Line
Step 1

Step 1 - Arizona Resident

Live in Arizona or meet the other membership requirements. Teens 13 to 17 can join online too, as long as a parent or guardian is present.

Step 2

Step 2 - Valid ID

Provide a valid, government-issued photo ID and have your Social Security Number ready. Ages 13-17 may use a birth certificate.

Step 3

Step 3 - Fund Account

You'll have 30 days to fund your new account with a small deposit. Add funds via debit card, branch, ATM, or online banking.

New Mobile App

Top-Rated Mobile Banking App

  1. Manage Your Money From Anywhere

    Your Copper State CU accounts will be in the palm of your hand. Mobile banking offers you full access to everything you need, wherever you go.

  2. Transfer Money And Pay Bills

    No need to pull out the checkbook at the dining room table anymore! Pay your bills on-the-go and get back to the things that matter most.

  3. Deposit Checks Day Or Night

    Use our remote deposit to take a picture of a check and deposit it into your account 24/7/365. It's fast, easy, and free.

  4. Send And Receive Money With Zelle®

    Zelle® is a fast, safe and easy way to send money to friends, family and loved ones. Whether you’re paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered.

Check It Out!

Be In The Know For All Things Checking

Visit Our Resource Center
Man opening a Copper State CU checking account
piggy bank (60 x 60 px)
With Our CashBack Checking
You're always banking on a great day!
WOW! 1% Cash Back?WOW! 1% Cash Back?
Did you know you could get money back with each purchase? Our CashBack Checking Account can do that for you!
Show me the money!
You Have A Credit Union Advantage You Have A Credit Union Advantage
Arizona credit unions serve nearly 1.9 million residents. Find out why so many people trust credit unions with their money! 
Get ready to take advantage!
What You Need To Open A CheckingWhat You Need To Open A Checking
Opening a checking account is easier than you think. Just follow these easy steps, and you'll be flaunting your stunning copper debit card in no time!
Let's take a closer look.

Loan Calculator

Use this calculator to see what your loan payment could be at different rates and terms. When you find a payment that works for you, email it to yourself for future reference.

This calculator is free to use and here all the time. Come back any time you'd like to see what a loan payment amount could be.

Your actual term and payment will be provided upon acceptance of a Copper State Credit Union loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

$${amount}/mo

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Discover A Better Way To Manage Your Money

  1. Resource Center

    Discover financial education blogs, eBooks, calculators and other helpful money management tools in our Resource Center.

  2. Wealth Management

    Whether you're planning for retirement or building your assets, our wealth management team can help you secure a bright future.

  3. GreenPath

    We offer members access to GreenPath for financial education tools and confidential debt, student loan and credit counseling.

What Can We Help You Do Today?

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Access your mobile banking from anywhere.
Log In
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Find a home you love and let us do the work.
Get Started
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Stop scammers from taking your money.
Stay Informed
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A checking account with cash back. Cha-ching!
Open Now

More Reasons to Choose Copper State Credit Union

Award-winning service starts at your local branch. Explore some of the recognition our locations have received.

ANTHEM BRANCH

🏆 Best of Foothills Focus

🏦 Best Bank/Credit Union

🏅 2021-2026

🏠 Best Mortgage Lender

🏅 2026

PAYSON BRANCH

🏆 Best of the Rim

🏦 Best Bank/Credit Union

🏅 2021-2025

*APR = Annual Percentage Rate

**APY = Annual Percentage Yield

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