Every question, answered.

Anyone who lives, works, worships or studies in San Francisco, plus their family members.

A one-time $5 deposit into a membership savings account. That $5 is your share of ownership.

A volunteer board of directors elected by members. Every member gets one vote, whatever their balance.

Yes. Deposits are federally insured by NCUA up to $250,000 per member.

About six minutes online. You will need a government ID and your Social Security number. Opening an account does not affect your credit score.

As soon as your employer sends the payment file, which is usually one to two days before your scheduled payday. Timing depends on your employer.

Yes. Everyday Checking has no monthly fee and no minimum balance, ever.

Yes. Our switch tool finds your employer and moves your deposit for you. Most switches finish within one pay cycle.

Dividends compound daily and are paid into your account monthly. The rate on our rates page is the annual percentage yield (APY).

Yes. High-Yield Savings and Money Market have no withdrawal fees. Certificates pay more because the money stays put until the term ends.

No. You can open High-Yield Savings with any amount, and it earns from the first dollar.

Yes. Deposits are federally insured by NCUA up to $250,000 per member.

It depends on whether you would rather pay tax now or later. A banker can walk you through both, but we can't give tax advice; a tax professional can.

Yes. We can transfer an IRA from another institution for you. Bring a recent statement to any mint or start it with Member Services.

Your IRA can hold savings or certificates, and earns the same rates as the accounts it holds. Today's rates are on our rates page.

Pre-approval uses a soft credit check, which does not affect your score. A full application uses a hard inquiry.

You can apply and join at the same time. Membership is open to anyone who lives, works or studies in San Francisco.

Yes. None of our loans have prepayment penalties.

Usually a recent pay stub, a government ID, and for auto loans the purchase agreement or vehicle details.

Sixty days, so you can shop without rushing. Your rate is held as long as you buy within that time.

Yes. We finance private-party sales too, and we can help with the title paperwork.

Often, if your current rate is higher than ours or your credit has improved since you bought. The calculator on this page shows the difference.

Most personal loans are decided the same business day, and the funds can be in your Copper account as soon as the next business day.

Almost anything: paying down cards, a repair, a move, a wedding. We don't need to know the details.

No origination fee and no prepayment penalty. You pay the interest, and that's it.

Down payments start at 5% for qualified buyers. A banker can walk you through what fits your budget.

Yes. Our underwriters work in San Francisco, so condos and tenancy-in-common properties are routine for us.

Up to 60 days, so you can close without worrying about the market moving.

We use a standard amortization formula: the amount financed, divided over the number of months, with interest charged on the remaining balance each month.

Start with our current rate for your term on the rates page. If your credit score is below 680, add 1–3%.

Yes. It lowers the amount financed, the monthly payment and the total interest you pay.

Open the app, tap the card, then tap Lock. Unlock it the same way. Locking stops new purchases but lets recurring payments through.

Walk into any mint and we print a new card while you wait. By mail it takes 5–7 business days.

Call (415) 555-0199 any time. We will lock your card, review the charges and issue provisional credit within 10 business days.

Choose Forgot password on the sign-in screen. We will text a code to the phone number on file.

Yes. Bill pay is free and you can schedule one-time or recurring payments.

Tap Deposit, photograph the front and back, and enter the amount. Most deposits are available the next business day.

The app uses device-level encryption and Face ID or fingerprint sign-in. We never ask for your password by text or email.