Copper Credit Union
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Est. 2026 · Four mints across San Francisco
Your city. Your money. Your terms.
A neighborhood bank that pays 4.10% on savings, lands your paycheck two days early, and knows your name.
Checking. Savings. Neighborhood.
$0 monthly · Federally insured by NCUA
Welcome to the neighborhood
$100 on us when you open your first account online.
Six minutes, from your couch. The terms are two sentences: keep the account open 90 days, get a direct deposit. Done.
What Copper does
01 · Checking
Paid two days early
Direct deposit lands the moment it's sent. Round-ups sweep spare change into savings without you thinking about it.
Everyday checking02 · Savings
4.10% APY, no asterisk
Interest, compounding daily. Goals you can name, fund, and raid without penalty. The fine print is three sentences.
High-yield savings03 · Business
For the corner shop
Small-business checking with same-day card settlement and a banker who knows your name and your regulars.
Business banking
The money check-up
How's your money, really?
Fifteen minutes with a banker at any mint. No pitch, no products — just a straight look at where your money stands and the one or two moves worth making. Free, whether or not you bank with us.
- Is your paycheck working from day one — or sitting somewhere at 0.01%?
- Would a surprise $400 expense be a shrug or a crisis?
- Are you paying fees you've stopped noticing?
- Do your goals have names, dates, and dollar amounts?
Featured rates
Auto Loans
As low as
5.24 percent APR
Personal Loans
As low as
8.99 percent APR
12-Month Certificate
As high as
4.35 percent APY
High-Yield Savings
As high as
4.10 percent APY
30-Year Mortgage
As low as
6.125 percent APR
The whole city is your branch.
The honest comparison
Them vs us
Big banks
Shareholders first.
- $12/month "maintenance" fees for maintaining nothing
- 0.01% interest while they lend your money at 8%
- $35 overdraft fees, charged three at a time
- Phone trees with nine options, none of them a person
Copper
Neighbors first.
- $0 monthly, $0 minimums, $0 overdraft fees
- 4.10% APY on savings, compounding daily
- Paycheck lands two days early
- Four branches where a human answers the phone
Four mints, one city
Branches you'd actually walk into.
Coffee's on. Open weekdays 9–6, Saturdays 10–2. Lost your card? We print a new one while you wait.
Results are provided by CO-OP Solutions and open in a new tab. Some shared branches limit the transactions they accept, so call ahead for large withdrawals.
Why we exist
Banks spent decades making money feel complicated. We'd rather you split brunch, hit your goal, and get on with your Saturday.
The app
The everyday stuff, from anywhere.
- Deposit checks with your camera
- Send money to anyone, instantly, free
- Lose your card? Lock it in one tap
- A push the moment your paycheck lands
Walk-in banking is back
Look for the coin over the door.
Green storefront, copper awning, coffee inside. Our mints sit between the bookstore and the burrito spot — exactly where a neighborhood bank belongs.
Come in to open an account, print a card, or ask the question you think is too small. It isn't.
Your money, minus the boring bank.
Opening an account takes about six minutes. Bring your phone; leave the paperwork. Free coffee at any branch, account or not.