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Member Benefits

Become A Member

Loan Accounts

Cooper’s Cave FCU’s lending products feature affordable rates and generous terms. Compare our rates around town, and you’ll see the credit union difference. All rates vary based on applicant creditworthiness.

  • Secured Loan – DMV titled, up to an 84-month term, pre-approval is available
  • Signature Loan – up to a $8,000 line of credit
  • Overdraft Loan – up to a $1,000 line of credit
  • Home Equity
  • Home Equity line of credit
  • Share Secured Loan – pay only 2% APR above share dividend rate

Bill Payment System

Bill Pay offers you the ability to make payments online without giving your financial information to the creditor. You can set up all of your monthly bills to be paid automatically or on a one-time basis. You control the amount, frequency, and timing without writing out the checks. Best of all, your account information is not shared with anyone!

Share Draft Account (Checking)

Take advantage of a VISA check card and overdraft protection. Visa Check Card and DebitPass (our reloadable Mastercard). Our Visa Check Card and DebitPass Mastercard allow you to access your account anywhere in the world. With TellerLine (Your Touch-Tone Teller), you can access your credit union accounts 7 days a week from anywhere at any time. By using a touch-tone phone, your account number, and a special Personal Identification Number (P.I.N.), you can get account information and make transfers.

  • We are proud to offer our members a totally FREE checking account
  • No minimum balance required
  • No monthly service charge
  • No per check charge

Term Share Account (CD)

Invest in a 6-month, 12-month, or 24-month CD and earn our highest dividend rate.

Money Market Account

Our Money Market Account is a share account with a higher dividend rate than shares, but with withdrawal restrictions of three per month. The Money Market Account is tiered with specific rates and yields for each tier.

IRA Accounts

Traditional, Roth, and Educational IRAs are available to help build your retirement through tax-deferred savings. An IRA certificate is also available for a 12-month term.

Club Accounts

(Christmas and Vacation)

Set aside funds for the holidays or for that needed vacation. Holiday accounts automatically transfer to the share account in October. Vacation account holders receive free traveler's checks if transferred from their vacation club.

Primary Share (Savings) Account

The first step to membership is a minimum deposit of $6.00, $5.00 of which is applied to your opening deposit and $1.00 to a one-time membership fee. Once you have an account number, you can take advantage of all the products and services we offer. Now that you are a member, all of your relatives can join as well.