Copper State Phoenix AZ Credit Union | Best Auto Loans & Business Banking

Introduction

Welcome to Copper State, your trusted credit union located at 2400 W Bell Rd, Phoenix, AZ 85023. Since our establishment in 1951, we have been dedicated to serving our community with integrity and care. With a robust membership of over 44,902 individuals, we pride ourselves on being more than just a financial institution; we are a part of your life's journey. At Copper State, our total assets stand strong at $600,936,824, ensuring that we have the resources to support your financial needs. Whether you're looking for an auto loan or personal banking services, we offer over 16,009 loans and leases tailored just for you. Our commitment to our members is reflected in our total deposits of $19,881,399 and a net worth of $50,246,452, showcasing our stability and dedication to your financial well-being. Our team of 135 employees, led by CEO Robert Scott and Board President Dennis McDonald, is here to assist you every step of the way. We understand that finances can be overwhelming at times, which is why we strive to create a welcoming environment where you can feel comfortable seeking advice and support. While members can visit us at the branch for all their banking needs, official correspondence should be sent to the same address: 2400 W Bell Rd, Phoenix, AZ 85023. We invite you to explore our website at Copper State for more information about our services. Join us in building a brighter financial future together! Feel free to reach out via phone at 602-375-7300 or visit us during our operating hours: Monday through Thursday from 9 AM to 5 PM and Friday from 9 AM to 6 PM. Your financial success is our priority!

Branch History & Mission

Community Engagement

Copper State believes in the power of partnerships. By collaborating with local organizations and participating in community events, we strive to uplift those around us. Whether it's through sponsoring local sports teams or hosting financial workshops, we aim to make a positive difference in people's lives. We invite you to join us on this journey. Experience firsthand how Copper State can help you reach your financial aspirations while being part of a community-focused credit union. To learn more about membership or open an account today, please visit our website or call us at 602-375-7300. Together, let's build a brighter future for you and your family!

Our Mission

At Copper State, our mission is simple yet impactful: to empower individuals and businesses by providing accessible financial services while fostering a sense of community. We believe that when we invest in our members' success, we contribute to the overall growth and well-being of Phoenix. Our commitment extends beyond traditional banking; we actively engage in community outreach programs that promote financial literacy and support local initiatives. While members can visit us at 2400 W Bell Rd, official correspondence should be sent to the same address. We offer convenient operating hours from 9 AM to 5 PM Monday through Thursday and until 6 PM on Fridays. With an ATM available on-site and drive-thru services for quick transactions, we prioritize your convenience. Our dedication doesn't stop at providing excellent service; we also focus on ensuring accessibility for all members. We comply with ADA standards so everyone can benefit from our offerings without barriers.

Branch Location & Accessibility

Convenient Access and Amenities

At Copper State, we strive to make banking as simple as possible. Our location features ample parking, including accessible spots for those who need them. You'll find our building equipped with ADA-compliant ramps, ensuring everyone can visit us without hassle. Plus, we offer a drive-thru service that lets you handle basic transactions quickly from the comfort of your vehicle.

Operating Hours That Fit Your Schedule

We understand that life can get busy. That's why our branch is open Monday through Thursday from 9 AM to 5 PM and extends its hours until 6 PM on Fridays. Whether you're stopping by before work or making time during lunch, we're here for you when you need us most.

Services Tailored for You

Copper State offers a wide range of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we have something for everyone. Members can also enjoy the convenience of ATM access and shared branch services for added flexibility. If you're looking for an approachable team ready to assist you with all your banking needs, look no further! Feel free to give us a call at 602-375-7300 or drop by our branch today. We can't wait to welcome you!

Member Eligibility

Welcome to the Copper State family, where becoming a member means joining a community that truly cares about you! If you're wondering how to start your journey with us, it's simple. Our membership is open to anyone who lives, works, or worships in Maricopa County. This means whether you're a long-time resident or new to the area, you're welcome here! By joining Copper State, you'll gain access to a range of benefits designed to support your financial goals, including personalized service and competitive rates on loans and savings accounts. To make the process even easier, you can check out all the details about eligibility by visiting our website at Copper State Membership. Ready to open an account? Just follow the steps outlined at Account Opening, or give us a call at (602) 375-7300 for any questions. We're excited to help you take this important step towards financial wellness right here at our branch located at 2400 W Bell Rd Phoenix Az 85023!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $6 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $57 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $3,868,557, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services offer practical benefits for businesses of all sizes. Imagine having an easy way to accept payments from customers whether they pay with cards or mobile wallets. This convenience not only improves cash flow but also enhances customer satisfaction. At Copper State, we're dedicated to your success and ready to partner with you on your business journey. Reach out today at (602) 375-7300 to explore how we can help elevate your business!

Comprehensive List Of Services

ATM & Cash Services

We also provide convenient ATM and cash withdrawal services, so accessing cash is simple wherever you are. Plus, our basic drive-thru banking allows for quick deposits and withdrawals without needing to leave your car perfect for those busy days when time is tight.

Business Banking Services

For entrepreneurs and small business owners, we offer comprehensive business banking solutions including merchant services and business loans. We know how crucial it is for businesses to have reliable financial support, so we're committed to helping you succeed.

Digital Banking Convenience

In today's fast-paced world, having access to your finances anytime is essential. Our robust online and mobile banking services allow you to manage your accounts from anywhere. You can easily check balances, transfer funds, pay bills, and even access person-to-person payment features all from your smartphone or computer.

Flexible Loan Options

Life can sometimes throw unexpected expenses your way. Our personal loans and debt consolidation services are designed to help you manage those costs effectively. With flexible terms and competitive rates, we're here to assist you in finding the right solution for your financial needs. Additionally, if you're looking for ways to earn rewards while spending, our credit cards with rewards program provides an excellent option for members who want more from their purchases.

Personal Banking Solutions

Managing your money shouldn't be complicated. That's why we offer personal banking services that include checking and savings accounts tailored to fit your lifestyle. Whether you're saving for a vacation or simply want an easy way to manage your daily expenses, our accounts come with features that make banking straightforward. For those looking to purchase a vehicle, our auto loans and vehicle financing options can help get you on the road in no time. We understand that buying a car is a significant investment, so we work with you to find the best financing solutions available. If you're considering home ownership or refinancing your current mortgage, we provide mortgage loans and refinancing options that can suit various budgets and goals. Our knowledgeable team is here to guide you through the process, ensuring you feel confident every step of the way.

Shared Branch Transactions

As part of our commitment to community banking, we facilitate shared branch transactions which allow members of partner credit unions to conduct deposits and withdrawals at our location. This adds another layer of convenience for anyone who might be traveling or away from their home branch. Whether you're stopping by during our lobby hours or using our digital platforms outside of regular hours, Copper State is here for all of your banking needs. If you have questions or need assistance with any of our services, feel free to reach out at 602-375-7300. Join us today at Copper State your trusted partner in achieving financial success!

Digital & Online Banking

Key Features

With 24/7 online banking services, you can check balances, transfer funds, and pay bills whenever it suits you. We also offer e-statements, making it easy to stay organized while reducing paper clutter. Plus, if you ever need to sign a document quickly, our electronic signature authorization feature allows you to do so with just a few clicks. For those who love using their smartphones, our mobile application lets you manage your accounts right from your device. Need to split a dinner bill? Our person-to-person transfer service makes sending money to friends and family simple and fast. And if you prefer to make payments using your phone, take advantage of our mobile payments feature for added convenience.

Security You Can Trust

Security is a top priority at Copper State. We employ advanced security measures to keep your information safe while ensuring that accessing your accounts remains straightforward and hassle-free. You can rest easy knowing that managing your finances online is both secure and efficient. With all these features at your fingertips, staying on top of your financial health has never been easier! Visit us at https://www.copperstatecu.org/ today to explore all the possibilities our digital banking services offer.

Financial Strength

Growing Membership Base

Total Share Accounts: 84,888, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Copper State is your trusted partner. Visit us at 2400 W Bell Rd Phoenix Az 85023 or call us at 602-375-7300 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results.

Members’ Savings Secured

Members' savings are secured through $95,629,750 in share certificates and $126,829,918 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our performance reflects our operational efficiency with a net income of $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 129 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable team.

Our Solid Foundation

With a net worth of $50,246,452, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 836 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Reinvestment for Improvement

With $26,427,995 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $7,155 in used auto loans and a total of $440,649,860 in loans and leases.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $133,036,742 in used vehicle loans and $38,213,478 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates on both new and used auto loans, making it easier than ever for you to drive away in the car you want.

Business Financing

For business owners, our outstanding commercial loans totaling $3,868,557 provide the capital needed to grow and expand your operations. We understand how vital it is for businesses to have access to reliable funding sources. Our team at Copper State is dedicated to helping you find the right financing option that fits your lifestyle and budget. Plus, we offer refinancing options if you're looking to lower your interest rates or consolidate debt. For more information about our loan products or eligibility criteria, feel free to contact us at 602-375-7300 or visit us at 2400 W Bell Rd Phoenix AZ 85023. You can also explore our website at copperstatecu.org for additional resources. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Credit Lines and Personal Loans

We also offer various credit lines totaling $161,088,400, giving you access to additional funds whenever you need them. These lines can be great for emergencies or planned expenses. If you're looking for more flexibility in managing your finances without collateral requirements, our unsecured credit card loans are available too.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $127,920,420. Whether you're a first-time buyer or looking to refinance an existing mortgage, our team is here to guide you through the process and help you find the right solution for your needs.

Loan Aggregator

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COPPER STATE CREDIT UNION