Copper State Surprise AZ Credit Union | Affordable Auto Loans & Business Banking

Introduction

Welcome to Copper State, your trusted financial partner located at 15613 W Bell Rd, Surprise, AZ 85374. Since our establishment in 1951, we've been dedicated to serving our community and supporting our members' financial journeys. With a robust membership of 44,902 and total assets amounting to an impressive $600,936,824, we take pride in offering personalized banking solutions tailored to meet your needs. At Copper State, we believe in fostering strong relationships within our community. Our team of 135 employees, led by CEO Robert Scott and Board President Dennis McDonald, is committed to providing exceptional service and support. We understand that every member's financial situation is unique, which is why we offer a range of services from checking and savings accounts to auto loans and mortgages. As a member-focused credit union, we are proud to maintain a net worth of $50,246,452 and provide total deposits of $19,881,399 for our members' peace of mind. Our dedication goes beyond numbers; it reflects our mission to empower you with the right tools for financial success. While members can visit us at our branch location, official correspondence should be sent to the same address: 15613 W Bell Rd, Surprise, AZ 85374. We invite you to explore the various banking services we offer online at Copper State or give us a call at 602-375-7300. Whether you're looking for guidance on loans or simply want to ask questions about your account, we're here to help you every step of the way. Join us today and experience the Copper State difference!

Branch History & Mission

Community Engagement

We understand that being part of a community means more than just providing financial services. That's why we are actively involved in various outreach programs and partnerships aimed at enhancing the quality of life for residents in Surprise. From sponsoring local events to supporting educational initiatives, we strive to make a positive impact where it matters most. While members can visit us at 15613 W Bell Rd, official correspondence should be sent to the same address since it serves as both our branch and mailing location.

Join Us!

As we continue to grow and evolve, we invite you to become part of the Copper State family. Experience firsthand the benefits of membership with us where your financial well-being is our priority. For inquiries or assistance, feel free to contact us at 602-375-7300 or visit us online at Copper State. Together, let's build a brighter financial future!

Mission Statement

Our mission at Copper State is clear: to empower individuals and families by providing affordable financial solutions while fostering a sense of community. We believe that banking should be accessible to everyone, which is why we offer competitive rates and innovative services designed with our members' needs in mind. Whether you're looking for personal banking options or business solutions, we're here to help you achieve your financial goals.

Modern Banking Experience

In today's fast-paced world, convenience matters. At Copper State, we embrace technology to enhance your banking experience. Our branch offers essential digital services like online banking and mobile payments, making it easier for you to manage your finances anytime, anywhere. We also ensure accessibility through ADA-compliant facilities and services.

Our Journey

Since our founding, Copper State has been dedicated to providing exceptional financial services tailored to the needs of our members. Over the years, we have expanded our offerings while maintaining our core values of trust, integrity, and service. With total assets reaching an impressive $600,936,824, we have established ourselves as a significant player in the financial landscape of Surprise and beyond. Our growth is reflected not only in our assets but also in the variety of services we provide from checking and savings accounts to auto loans and mortgages.

Branch Location & Accessibility

Accessibility Features

At our Copper State branch, we prioritize accessibility for all our members. Whether you're coming in for a quick transaction or to discuss your financial goals, you'll find ample parking right outside our doors. Our facility is designed with ADA compliance in mind, featuring ramps and wide doorways for easy access.

Operating Hours

We know your time is valuable. That's why our lobby hours are set to accommodate your busy schedule: we're open from 9 AM to 5 PM Monday through Thursday and until 6 PM on Fridays. Need assistance? Our friendly staff is here to help during these hours.

Services Offered

In addition to personal banking services like checking and savings accounts, we also provide auto loans, mortgage loans, credit cards with rewards, and more! For added convenience, we have an ATM available on-site and a drive-thru service for simple transactions like deposits and withdrawals. If you're a member of one of our partner credit unions, you can also take advantage of shared branch transactions here. While members can visit us at 15613 W Bell Rd, official correspondence should be sent to the same address for mailing purposes. If you have any questions or need assistance, feel free to give us a call at 602-375-7300. We can't wait to see you soon!

Member Eligibility

Becoming a member of Copper State feels like joining a warm, welcoming family where your financial needs are truly understood. If you live, work, or worship in the Surprise area, you're likely already eligible to join us! We love to support our community by offering membership to those who share our values and commitment. Plus, members enjoy fantastic benefits such as lower loan rates, higher savings yields, and personalized service that puts you first. You can find more detailed eligibility criteria by visiting this link. Getting started is easy! Simply stop by our branch at 15613 W Bell Rd Surprise Az 85374, give us a call at (602) 375-7300, or check out our account opening process online here. We look forward to welcoming you into the Copper State family!

Business Banking & Commercial Services

Merchant Services That Work

Imagine having the tools to accept payments easily, manage cash flow effectively, and analyze your sales trends all in one place. Our merchant services allow you to do just that. From mobile payment options to point-of-sale systems, we provide practical solutions that help you focus on running your business while we handle the financial side. Visit us at 15613 W Bell Rd Surprise Az 85374 in Surprise, AZ or call us at (602) 375-7300 to discover how our business banking solutions can help you achieve your goals.

Tailored 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.

Comprehensive List Of Services

Business Banking Services

For entrepreneurs and small business owners, our Business Banking services provide vital tools for growth. From merchant services that help streamline transactions to business loans designed to support your ventures, we are committed to helping local businesses thrive.

Convenient Access

At Copper State, we know convenience is key. Our Online & Mobile Banking features ensure that managing your finances is always just a click away. Need cash? Use our ATM & Cash Withdrawal Services available throughout the area for easy access. Don't forget about our basic drive-thru banking services for quick deposits and withdrawals without leaving your car! Plus, if you're part of another partner credit union, take advantage of shared branch transactions available at our location. Our friendly staff at 15613 W Bell Rd, Surprise, AZ 85374 is ready to assist you! If you have any questions or need assistance choosing the right service for you, don't hesitate to call us at 602-375-7300.

Get Started Today!

Discover how Copper State can be your trusted financial partner by exploring all our services today! Visit us online at Copper State Credit Union or stop by our branch in Surprise. We look forward to helping you achieve your financial dreams!

Home Financing Solutions

Looking to buy a home? Our Mortgage Loans & Refinancing services are here to guide you through the process. With flexible terms and expert advice from our team, we make securing your home loan straightforward and stress-free. Whether you're a first-time buyer or seeking refinancing options, we are dedicated to helping you find the best solution.

Personal Banking

We understand that managing your money is personal. That's why our Personal Banking services include checking and savings accounts designed to help you reach your financial goals. Imagine having easy access to your funds through our online and mobile banking platforms, allowing you to check balances, pay bills, or transfer money right from your phone. If you're considering purchasing a vehicle, our Auto Loans & Vehicle Financing options provide competitive rates to make car buying easier. You can drive off with confidence knowing that you've secured financing that works for you.

Support for Everyday Needs

Sometimes life throws unexpected expenses your way. Our Personal Loans & Debt Consolidation services offer financial relief when you need it most. This can help simplify your payments and reduce stress. Additionally, our credit cards come with rewards that fit your lifestyle. Earn points on everyday purchases while enjoying the convenience and security that comes with being a member of Copper State.

Digital & Online Banking

Key Features for Your Convenience

With our online banking services, you can effortlessly check your account balances, transfer money between accounts, and pay bills with just a few clicks. Our electronic signature authorization feature makes it simple to complete transactions securely without the hassle of paperwork. Plus, you can sign up for e-statements, which are not only eco-friendly but also give you quick access to your account statements anytime. If you're always on the move, our mobile application is here to help. Available for download on your smartphone, it includes features like mobile payments so you can make purchases directly from your phone. Need to send money to friends or family? Our person-to-person transfer service lets you do that quickly and easily.

Security You Can Trust

Your security is our top priority. We use advanced technology to protect your information while ensuring that all transactions are safe and secure. With features like two-factor authentication and encryption, you can have peace of mind knowing your financial details are in good hands. At Copper State, we aim to make banking easier than ever. Experience real-time account management and enjoy the flexibility of accessing your accounts whenever you need them. Discover how our digital and online banking services can enhance your financial experience today!

Financial Strength

A Solid Foundation

With a net worth of $50,246,452, we maintain robust 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.

Growing Member Trust

Total Share Accounts stand at 84,888, showing a strong and growing member base that trusts us with their finances. Our ability to provide funds for lending is reflected in our Net Shares (Funds available for lending): $0. 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 15613 W Bell Rd Surprise Az 85374 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.

Member-Centric Savings

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.

Reinvesting in Your Future

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.

Strong Operational Efficiency

Our operations reflect our commitment to serving you effectively. Currently showing $0 net income, we focus on managing costs wisely while still delivering quality service. 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 dedicated to your needs.

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. Whether you're interested in financing a brand-new model or a reliable used vehicle, we have options that suit various budgets and needs.

Business Financing

For business owners looking to expand their operations, our outstanding commercial loans totaling $3,868,557 provide the capital needed for growth. We understand the importance of having access to funds when opportunities arise and are dedicated to helping local businesses succeed.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $127,920,420, make buying or refinancing simple. We aim to guide you through the process every step of the way, ensuring that you find a mortgage solution that fits your financial situation.

Refinancing Options

If you're considering refinancing existing loans whether they're auto loans or mortgages we're here to help. Our team can assess your current financial situation and provide guidance on eligibility options that may benefit you. At Copper State, our goal is not just to lend money but also to empower our members with the right tools and resources for their financial journeys. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Whether you're ready to apply for a loan or just exploring your options, stop by our branch or visit us online at Copper State today!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. These loans can be a practical way to manage your finances effectively. While currently there are no outstanding amounts in unsecured credit card loans at Copper State, our team is ready to discuss how we can assist you further.

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COPPER STATE CREDIT UNION