2026
Valencia St opens
Our first mint, with 214 founding members.
A credit union for the city we live in.
Member-owned, not-for-profit, and based in San Francisco since 2026.
Our story
We started with a simple question.
Why does banking feel so complicated, when most of what people need is simple? A safe place to keep money, a fair loan when they need one, and a person to talk to.
Copper opened its first mint on Valencia Street with that list and not much else. Every member is an owner, so profits come back as lower rates and fewer fees.
What we believe
Four promises we keep.
01
Plain English
If a fee needs a paragraph to explain, we do not charge it.
02
People first
Profits go back to members as better rates, not to shareholders.
03
Local decisions
Loans are decided by people who live here.
04
Coffee’s on
Every mint is a place you would actually want to walk into.
Milestones
How we got here.
2026
Hayes Valley and Chestnut St
Two more mints and a mobile app built in-house.
2027
Montgomery St
A business banking center in the Financial District.
2027
10,000 members
And $40 million loaned back into the city.
“I came in to open a savings account and left with a plan to pay off my car two years early.”
Danielle R.
Member since 2026
Who can join Copper?
Anyone who lives, works, worships or studies in San Francisco, plus their family members.
What does it cost to join?
A one-time $5 deposit into a membership savings account. That $5 is your share of ownership.
Who runs the credit union?
A volunteer board of directors elected by members. Every member gets one vote, whatever their balance.
Is my money insured?
Yes. Deposits are federally insured by NCUA up to $250,000 per member.
Join us