activities · 33
what they do
direct service · 31
- Community Donations and Volunteering Local Community GrantmakingDonates annually to Phoenix Children's Hospital and supports other local organizations like Future Business Leaders of America, Junior Achievement, RVN3 in Payson, and ElevateEdAZ through volunteering and donations.
- Community Support and Donations Local Community GrantmakingDonates annually to Phoenix Children's Hospital to support families fighting childhood cancer and volunteers/donates to organizations like Future Business Leaders of America, Junior Achievement, RVN3 in Payson, and ElevateEdAZ.
- Facilitate External Account Transfers Mobile & Digital Banking ServicesEnables members to set up and verify external transfers by entering routing and account numbers for linked accounts, confirming verification through small deposits.
- Offer Home Equity Lines of Credit (HELOCs) Home Equity Loans and HELOCsProvides Home Equity Lines of Credit (HELOCs) up to $350,000, covering up to 80% of a home's appraised value, for purposes such as home improvements, debt consolidation, and major purchases. Applications can be submitted online, by phone, or in person.
- Offer Home Equity Loans Home Equity Loans and HELOCsProvides home equity loans ranging from $15,000 to $350,000, allowing members to borrow up to 100% of their home equity based on credit and appraised value, with repayment terms from 60 to 180 months. These loans can be used for home improvements, college tuition, major expenses, or debt consolidation and may include promotional offers like no closing costs and cash bonuses.
- Offer Mortgage Purchase Incentives Down Payment and Closing Cost AssistanceOffers a $500 gift card promotional incentive for new mortgage purchases.
- Operate Branch Locations Physical Branch Financial ServicesOperates seven branch locations across Arizona to serve its members.
- Operate Branch Locations Physical Branch Financial ServicesOperates seven branch locations in Arizona to provide in-person services to members.
- Operate Branch Locations Physical Branch Financial ServicesOperates seven physical branch locations across Arizona to serve its members.
- Operate Branch Locations Physical Branch Financial ServicesOperates seven branch locations across Arizona to provide in-person services to members.
- Provide Auto Loans Auto and Vehicle Loan FinancingOffers auto loans with minimum financing amounts of $15,000 for 72-month terms and $25,000 for 84-month terms, including a 1% cash back promotional incentive for vehicle purchases or refinances and a 60-day no payments option.
- Provide Auto Loans Auto and Vehicle Loan FinancingOffers auto loans with minimum financing amounts of $15,000 for 72-month terms and $25,000 for 84-month terms, including a 1% cash back promotional incentive for vehicle purchases or refinances over $15,000 and a 60-day no payments option.
- Provide Checking Accounts Youth Financial Accounts & EducationOffers checking accounts, including Teen Checking Accounts for individuals aged 13-17, with online opening options and fee waivers for monthly paper statements for primary members under 18 years old.
- Provide Checking Accounts Youth Financial Accounts & EducationOffers checking accounts, including Teen Checking Accounts for individuals aged 13-17, with online opening options and fee waivers on monthly paper statement charges for primary members under 18 years old.
- Provide Checking Accounts Youth Financial Accounts & EducationOffers checking accounts, including Teen Checking Accounts for individuals aged 13-17, with online opening options and a fee waiver on monthly paper statement charges for primary members under 18 years old.
- Provide Checking Accounts Youth Financial Accounts & EducationOffers online opening of checking accounts, including Teen Checking Accounts for individuals aged 13-17, and provides a fee waiver on monthly paper statement charges for primary members under 18 years old.
- Provide Down Payment and Closing Cost Assistance Down Payment and Closing Cost AssistanceProvides grant funds through the WISH program for down payment and closing costs for eligible first-time homebuyers purchasing owner-occupied housing units as their primary residence.
- Provide Down Payment and Closing Cost Assistance Down Payment and Closing Cost AssistanceProvides grant funds through the WISH program for down payment and closing costs for first-time homebuyers and eligible households purchasing owner-occupied housing units as their primary residence.
- Provide First-Time Homebuyer Grants (WISH Program)Provides grant funds through the WISH program for down payment and closing costs for eligible households purchasing owner-occupied housing units as their primary residence.
- Provide Home Equity Lines of Credit (HELOCs) Home Equity Loans and HELOCsOffers Home Equity Lines of Credit (HELOCs) with a maximum borrowing limit of $350,000, up to 80% of a home's appraised value, for financing home improvements, debt consolidation, and major purchases, with application available online, by phone, or in person.
- Provide Home Equity Lines of Credit (HELOCs) Home Equity Loans and HELOCsOffers Home Equity Lines of Credit (HELOCs) up to $350,000, covering up to 80% of a home's appraised value, for purposes such as home improvements, debt consolidation, and major purchases. Applications can be submitted online, by phone, or in person.
- Provide Home Equity Loans Home Equity Loans and HELOCsOffers home equity loans ranging from $15,000 to $350,000, allowing borrowing up to 100% of a member's home equity with low fixed rates and flexible terms (60 to 180 months). These loans can be used for home improvements, college tuition, major expenses, or debt consolidation, and may include promotional offers like no closing costs and cash bonuses.
- Provide Home Equity Loans Home Equity Loans and HELOCsOffers home equity loans ranging from $15,000 to $350,000 with low fixed rates and flexible terms (60 to 180 months) for purposes such as home improvements, college tuition, major expenses, or debt consolidation, allowing borrowing up to 100% of a member's home equity.
- Provide Home Equity Loans Home Equity Loans and HELOCsOffers home equity loans ranging from $15,000 to $350,000 with low fixed rates and flexible terms (60 to 180 months) for purposes such as home improvements, college tuition, major expenses, or debt consolidation, allowing borrowing up to 100% of a member's home equity based on credit and appraised value. Promotional offers include no closing costs and cash bonuses for qualifying loans.
- Provide Online and Mobile Banking Mobile & Digital Banking ServicesProvides free 24/7 online and mobile banking access to members.
- Provide Savings Accounts Member Savings and Share AccountsOffers savings accounts with a minimum balance requirement of $5, providing regular dividends with an APY of 0.10% and allowing members to open and manage multiple accounts. Members also receive individualized customer service and free 24/7 online and mobile banking access.
- Provide Savings AccountsOffers savings accounts to members, requiring a $5 minimum balance, providing regular dividends with an APY of 0.10%, and allowing multiple accounts for management. Members also receive individualized customer service and free 24/7 online and mobile banking access.
- Provide Savings Accounts Member Savings and Share AccountsOffers savings accounts with a minimum balance requirement of $5, providing regular dividends and allowing members to open and manage multiple accounts. Members also receive individualized customer service and free 24/7 online and mobile banking access.
- Provide Savings Accounts Member Savings and Share AccountsOffers savings accounts with a minimum balance requirement of $5, providing regular dividends with an APY of 0.10%, and allowing members to open and manage multiple accounts.
- Support Community Organizations Local Community GrantmakingDonates annually to Phoenix Children's Hospital and supports organizations like Future Business Leaders of America, Junior Achievement, RVN3 in Payson, and ElevateEdAZ through volunteering and donations.
- Support Community Organizations Local Community GrantmakingDonates annually to Phoenix Children's Hospital and supports organizations such as Future Business Leaders of America, Junior Achievement, RVN3 in Payson, and ElevateEdAZ through volunteering and donations.
capacity building · 2
- Offer Financial Education Financial Literacy & Career Readiness EducationProvides free financial education game simulations through Banzai in 18 schools across Arizona, reaching over 1,200 students annually.
- Provide Financial Education Financial Literacy & Career Readiness EducationProvides free financial education game simulations through Banzai in 18 schools across Arizona, reaching over 1,200 students annually.
strategies · 20
how they think
Theories of action extracted from this org's own source material. Click any to see the full field of orgs running the same approach.
- Accessible and Secure Digital Service Delivery digital_first_securityProvides convenient and secure access to services through online applications, digital account opening, national ATM/shared branching networks, and advanced security features like voice biometrics and two-factor authentication to protect member identity and assets.
- Affordable and Flexible Lending affordable_flexible_lendingOffers affordable fixed interest rates, flexible repayment terms, and revolving credit models with interest-only payments for home equity, while using risk-based underwriting and standardized valuations to ensure accessible and responsible financing.
- Digital-first and secure service delivery digital-first service deliveryIncreases accessibility and security through online account opening, voice biometrics for authentication, and multi-layered fraud protection, emphasizing convenience and member control.
- Expanded service access through shared networks networked_service_accessProvides members with broader access to financial services through surcharge-free ATM networks and shared branching, increasing convenience and reach beyond local branches.
- Financial Education and Empowerment for Homeownership homebuyer_education_and_affordabilityRequires homebuyer counseling programs and targets income-restricted first-time homebuyers to promote financial readiness and support affordable workforce housing, ensuring participants are equipped for successful homeownership.
- Financial Empowerment through Education and Support financial_empowermentPromotes financial readiness and empowerment by requiring homebuyer education for certain loan programs, offering financial education for youth, and partnering with members to achieve their financial goals throughout life stages.
- Flexible and affordable lending design affordable_fixed-rate_lendingUses low fixed interest rates, flexible repayment terms, risk-based underwriting, and revolving credit models to make loans accessible and affordable while managing risk.
- Income-targeted affordable homeownership programs income_restricted_homeownershipTargets first-time homebuyers with incomes at or below 80% of HUD area median income through programs like WISH, using income-based eligibility to expand access to affordable workforce housing.
- Mandatory homebuyer education for financial readiness homebuyer_education_requirementRequires completion of homebuyer counseling programs as part of mortgage qualification to promote financial literacy, preparedness, and long-term homeownership success.
- Member-Centric Financial Partnership member_partnership_modelPartners with members throughout their life stages to help them achieve financial goals, offering transparent, fast, and personalized lending services, and collaborating on fraud resolution, while also teaching financial responsibility to youth.
- Member-Centric Lending and Service member_centric_lendingEmphasizes transparency, fast processing, and personalized service in lending, utilizing risk-based underwriting, affordable fixed rates, and flexible terms, while also collaborating with members on fraud resolution.
- Member-Owned Cooperative Model cooperative_modelOperates as a not-for-profit, member-owned credit union with local decision-making, which allows for personalized service, competitive rates, and lower fees compared to commercial banks, prioritizing members' best interests.
- Member-Owned Cooperative Model cooperative_modelOperates as a not-for-profit, member-owned credit union with local decision-making, which allows for personalized service, competitive rates, lower fees, and a focus on members' best interests.
- Member-owned cooperative model with local decision-making member_owned_local_decision_makingOperates as a member-owned, not-for-profit cooperative with locally made lending decisions to prioritize members' best interests, enabling personalized service, competitive rates, and faster approvals.
- Member-partnered service and fraud resolution member-partnership-modelBuilds trust through collaborative relationships with members, emphasizing transparency, fast processing, personalized support, and joint efforts in fraud detection and resolution.
- Secure and Accessible Digital Service Delivery digital_first_securityProvides convenient and secure access to services through online applications, digital account opening, national ATM and shared branching networks, and advanced security measures like voice biometrics and two-factor authentication to protect member identity and assets.
- Standardized asset valuation for lending consistency standardized valuation for lendingUses MSRP for new vehicles and Kelley Blue Book retail values for used vehicles to ensure consistent, transparent loan-to-value calculations in auto lending.
- Targeted Affordable Homeownership Programs affordable_housing_accessOffers homeownership programs that target first-time homebuyers with income restrictions (at or below 80% of HUD area median income) to support workforce housing affordability and provide accessible financing.
- Third-party partnerships for expanded financial services third-party service partnershipsOffers investment and insurance products through vetted third-party providers, enabling access to specialized services while maintaining operational independence.
- Youth financial education as community investment financial-education-for-youthEngages youth early through Youth Savings Accounts to teach financial responsibility, fostering long-term financial literacy and community financial health.
named programs · 6
what they call their work
CashPlease®
Offers fast access to funds for unexpected expenses without a credit check, as an alternative to high-cost payday loans.
GreenPathTM Financial Coaching
Provides free financial coaching to help members manage finances and plan for the future, particularly in the context of debt consolidation.
Home Equity Lines of Credit (HELOCs)
Offers a flexible line of credit allowing members to borrow funds as needed, with variable interest rates and options for interest-only payments during the draw period, backed by home equity.
Home Equity Loans
Provides a lump sum loan with a fixed interest rate and predictable monthly payments, backed by the equity in a member's home, for purposes like home improvements, college tuition, major expenses, or debt consolidation.
Home Equity Refinancing
Allows members to refinance existing home equity loans from other lenders to potentially lower interest rates, borrow more, adjust terms, or switch to steady payments.
Pool Loans
Provides affordable financing for the installation or renovation of swimming pools.
relationships · 28
who they work with
- Allpoint ATM Network Partner — Provides access to over 55,000 surcharge-free ATMs.
- Allpoint Network™ Network — Member of the Allpoint Network™, enabling members to access surcharge-free ATMs nationwide.
- Allpoint Network™ Network — Partner network providing surcharge-free ATM access nationwide.
- Arizona down payment assistance programs Partner — Offers members access to down payment assistance programs for first-time homebuyers.
- Automotive Warranty Services of Florida, Inc. Partner — Provides and administers Mechanical Repair Coverage in Florida, Louisiana, and Oklahoma.
- Banzai Partner — Provides free financial education game simulations in schools.
- CO-OP Shared Branch Network Network — Allows members to access accounts through over 5,000 participating branch locations across the United States.
- CO-OP Shared Branching Network Network — Participates in the CO-OP Shared Branching Network to provide members access to shared branch locations.
- CO-OP Shared Branching Network Network — Partner network enabling shared branching services for members.
- CUNA Mutual Insurance Agency, Inc. Partner — Makes Mechanical Repair Coverage available to Copper State Credit Union members.
- Clarke American Partner — Partner for check reordering services.
- Consumer Program Administrators, Inc. Partner — Administers Mechanical Repair Coverage for Copper State Credit Union in most states.
- ElevateEdAZ Partner — Volunteers and/or donates to the organization.
- Federal Home Loan Bank of San Francisco Partner — Partner in providing grant funds through the WISH program for first-time homebuyer down payment and closing cost assistance.
- Forevercar, Inc. Partner — Powers the MEMBER’S CHOICE® Mechanical Repair Coverage offered through Copper State Credit Union.
- Future Business Leaders of America Partner — Volunteers and/or donates to the organization.
- GreenPathTM Partner — Provides free financial coaching to members through a partnership with GreenPath.
- Housing and Urban Development Government — References HUD area median income for income eligibility determination in the WISH Program.
- Junior Achievement Partner — Volunteers and/or donates to the organization.
- NCUA - National Credit Union Administration Government — Insures member deposits up to at least $250,000.
- National Product Care Company Partner — Provides Mechanical Repair Coverage in Washington state.
- Online Banking Partner — Integrated platform for members to access HELOC funds and manage accounts.
- PFG Advisors, LLC Partner — Provides SEC-registered investment advisory services in partnership with Copper State Credit Union
- Phoenix Children's Hospital Partner — Donates annually to help families fighting childhood cancer.
- RVN3 Partner — Volunteers and/or donates to the organization in Payson.
- The Foster Alliance Partner — Partners to support families caring for children in foster care, including a back-to-school drive.
- United Planners Financial Services Partner — Offers securities services to Copper State Credit Union members as a FINRA/SIPC-member firm
- Virginia Surety Company, Inc. Partner — Underwrites Mechanical Repair Coverage as insurance in California.