New look, same excellent service.
New look, same great products.
New look, same awesome people.
Jonathan G., Member 
My wife Tina and I have been members for about ten years. I can tell you it has been the best decision we have made when it has come to choosing a financial institution.
Peggy H., Member
I walked into your branch in Surprise and a young lady named Cali helped me. She made me feel so at home and treated me just like I was family. I knew I was home and found a credit union I could trust.
Justine H., Member
I've been a member since I was 16. Copper State CU has been with me through the purchase of my first home and they were with me when times were tough and I needed help paying bills and building up my savings.
About Us
Discover a better way to manage your money.
Homebuying is trending.
Get the info you need here.
Refinance and save money.
Free expert tips to successfully navigate the home-buying process with ease.Free expert tips to successfully navigate the home-buying process with ease.
Check out the best neighborhoods in the Phoenix area to buy a home in.Check out the best neighborhoods in the Phoenix area to buy a home in.
There are a lot of misconceptions about buying a house. Be sure you know the facts.There are a lot of misconceptions about buying a house. Be sure you know the facts.
Member Top Picks
Popular Products and Services
Encanto Branch now open.
- Address: 1640 W. Thomas Road Phoenix, AZ 85015
- Hours: Mon. - Thurs. 9 AM to 5 PM and Fri. 9 AM to 6 PM
- Open a membership or deposit accounts.
- All loan services available including mortgages.
Our branches are cleaned according to state guidelines.
Our branches are cleaned according to state guidelines.
Homebuying specialists are available to meet.
Homebuying specialists are available to meet.
All loan and deposit products available.
All loan and deposit products available.
Use our envelope-free ATM for convenient deposits.
Use our envelope-free ATM for convenient deposits.
Committed to empowering you.
Financial strength leads to financial prosperity.
Considering a new loan?
This calculator is free to use and here all the time. Come back any time you'd like to see what a loan payment amount could be.
Your actual term and payment will be provided upon acceptance of a Copper State Credit Union loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.
There's an app for that. It's right here.
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Manage your money from anywhere, anytime.
Your Copper State CU accounts will be in the palm of your hand wherever you go for whenever you need to handle a banking task.
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Transfer money and pay bills.
No need to pull out the checkbook at the dining room table anymore! Pay your bills on-the-go and get back to the things that matter most.
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Deposit checks day or night.
Use remote deposit capture to take a picture of a check and deposit it into your account 24/7/365. It's fast, easy, and free.
Empower Your
Money
New vs Used: What Car Should I Buy?
Learn the pros and cons of buying your next vehicle used or straight off the lot.
3-Step Cheat Sheet: How to Buy A Car
Before you head out to look at cars, here’s some things you can do ahead of time to be prepared.
7 Common Misconceptions About Car Loans
Let's break down the biggest misconceptions that accompany getting a car loan.
5 Savings Goals for the First-Time Home Buyer
Being a first-time homebuyer can be overwhelming! Learn what you’ll need to save before you buy a house.
How Your Home Loan is Affected by Mortgage Interest Rates
Learn what factors impact mortgage interest rates and how they affect your budget.
Five Guidelines to Creating an Effective Savings Plan
Creating a savings plan should happen before you need the money. Learn 5 tips to boost your savings!
Why Choose a Checking Account with a Credit Union
Learn how you and your community benefit when you choose a credit union for your checking account.
Budgeting Template – Free Excel Spreadsheet Download
We are excited you are ready to start budgeting! Our free customizable template has everything you need.
The Best Neighborhoods in the Phoenix Area [Top 10 List]
If you are looking to buy a home in the Phoenix area, you’re in luck. Check out our top 10 neighborhoods!
The Savvy Millennial’s Quick Guide to Save Money & Track Spending
Technology makes it easy to spend money, but it can also help you save. Read these tips to stay on track.
Pre-Owned Auto Buying Checklist
Thinking of buying a used car? Don't buy a lemon! Make sure you're looking for all the right things with this checklist.
Mortgage Documents Checklist
Buying a home involves a lot of paperwork. Our checklist helps you gather the documents you’ll likely need!
How To Buy A House In Arizona
Buying a home is one of the largest financial transactions you'll make. Let us help you confidently purchase the home of your dreams!
How to Create a Monthly Budget Guide
Do you feel like you can never get ahead financially? Learn how to make a simple monthly budget that works for you.
Get Me Out Of Debt Bundle
Figuring out how to tackle your debt seems like a huge process, but with this bundle we have definitely got you covered!
How to Get the Best Deal on a Car: A Novice Negotiator’s Ultimate Guide
Check out our comprehensive guide to get the best deal you possibly can on a new or used car.
The Pre-Retirement Checklist: How Prepared Are You?
This handy checklist of ten crucial steps can help you visualize how far you’ve come as you prepare to retire.
Savings Calculator
Use this calculator to see how much money you will save with compound interest.
Budget Calculator
See how much you will save (or lose) monthly or annually based on your monthly and annual expenses.
Money Market Calculator
Estimate how much money you will save via compound interest in a Money Market Account.
Cost of Living Calculator
Use this calculator to compare average costs of living between US cities and states.
50/30/20 Calculator
The 50/30/20 rule is for a person who desires one simple budgeting formula!
Retirement Calculator
Estimate your retirement funds by projecting income level, monthly savings, age and life expectancy, and percent rate of return on savings.
Rule of 72 Calculator
Estimate what interest rate you will need to double an investment by the number of years you select, using a natural logarithm called the Rule of 72.
Emergency Fund Calculator
Use this calculator to generate an emergency fund savings goal based on your income.
Student Loan Calculator
Use this calculator to see how much you can save by paying off your loans early.
Auto Loan Calculator
Use this calculator to see how much you can save by paying off your auto loan early.
On Demand Webinar - How To Pay Off Debt: Top 2 Strategies
These two payoff methods can be done at home, on your own, for free - and save you money on interest!
Upcoming Webinars
View all upcoming money management webinars and save your seat!
On Demand Webinar: Easy + Empowered Budgeting in 4 Simple Steps
Creating a simple and effective budget is easier than it sounds. This webinar covers everything you need to know about creating and sticking to a simple budget.
On Demand Webinar: Save + Simplify When You Buy a House
Learn keys ways to save and simplify from a real-life Phoenix home buying case study. This webinar covers everything you need to know if you're looking to buy a home in AZ!
On Demand Webinar: Ask Our Experts - What's the Secret to a Good Credit Score?
What is considered a good credit score? What's the secret to maintaining a good score? Get answers, plus insider credit score info.
On Demand Webinar: Help! I'm in College and Don't Have a Budget
This webinar has the tips and strategies you need to build a semester-based budget that fits your #collegelife.
On Demand Webinar: Smart Debt Consolidation Plan
Want to hear the real deal about debt consolidation? This webinar shares realistic benefits and drawbacks of debt consolidation, plus what you should do before you consolidate your debt.
On Demand Webinar: What Can A Mortgage Refi Do For You?
If you already know the basics about mortgage refinancing, you'll enjoy this from-all-angles assessment of who should consider refinancing and why. You'll leave knowing what a mortgage refi can (and can't) do for you!