LOPE 4 LIFE Exclusive Offer

Our GCU family is forever. We want to stand beside you throughout the entirety of your financial future. That's why we're offering these custom products that will set you up for success.

Product offers include: 

  1. Lopes Checking Account
  2. First-Time Auto Buyer Program
  3. Personal Loan: Same-Day Approval
  4. Mortgage: Free Appraisal

AND… since you're part of our GCU familly, we want to give you a little something extra!

  • Pick 2: Get $75
  • Pick 3: Get $150
  • Pick 4: Get $250

Questions? We've got you! Contact us today.

 

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Lope 4 Life Icon (4)
Forever Lopes family.
With every qualified swipe of your Lopes debit card, we will donate to the GCU Students Inspiring Students Scholarship Fund.

1. Lopes Checking = Best Checking

We're proud to offer a FREE checking account just for the Lopes family. 

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No monthly fee.
No monthly fee and no minimum account balance requirements for Lopes.
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Access 55,000+ ATMs
Access surcharge-free ATMs nationwide through the Allpoint Network of ATMs.
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Free Round-Up Savings1
Round up your debit card purchases and deposit the difference to savings.
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Free app with features.
Our free app includes Zelle, Bill Pay and Remote Deposit Capture for easy money management.
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Free Checking with Debit Card Bonuses!

  • Mastercard ID Theft Protection™

    This no-cost service helps detect and resolve identity theft with industry-leading experts on-hand to provide you with 24/7 assistance if you think your identity has been compromised.2

  • Turn Toothpaste Into Touring

    Imagine a purchase you make each and every day turning into even more. From recurring payments to groceries, get the chance to win. Throughout all of 2023, every purchase you make with your Copper State CU Mastercard® is another entry for a chance to win up to $10,000.3

  • Uncover Priceless Golf® Benefits

    Get unique Priceless Golf® benefits, exclusive offers and top-notch experiences with your Copper State CU Mastercard®. Learn from PGA Tour Golf Academy instructors, access 1,200+ private courses, earn resort credits and more.4

  • Enroll Today, Explore Tomorrow

    Enroll your Copper State CU Mastercard® in Click to Pay for a chance to win incredible prizes like a trip to New York, Los Angeles, Miami or Chicago, or one of thirteen Mastercard Prepaid® cards. 5

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Priceless Experiences®
Immerse yourself in both in-person and digital experiences in culture, dining, sports, entertainment and more in over 45 exciting destinations around the globe exclusively for Mastercard® cardholders. From a round of golf with a legendary player to a virtual cooking class with a celebrity chef, you can create lasting memories with Priceless.com.
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Free Lopes Checking Account Details

Packed full of features and benefits.

A truly free checking account meant just for your college lifestyle. There is no monthly fee and no minimum balance requirements. You'll be able to swipe and share your GCU pride with a free MasterCard® debit card featuring Thunder the Antelope and with every swipe, we'll donate to the Students Inspiring Students Scholarship Fund.

You'll benefit from unlimited access to any of our surcharge-free ATMs nationwide and you'll be able to manage your money 24/7/365 through online banking and our free mobile banking app.

Use your Lopes debit card with Apple Pay, Samsung Pay, and Google Pay, whichever is your preferred digital payment choice.

Round-Up Savings1: We know saving money can be difficult, in college it can feel impossible. That's why we've outfitted the Lopes Checking Account with the Round-Up Savings option. This feature will round up your purchases to the nearest dollar and have the money automatically deposited into your savings account. A little change can go a long way over time!

 

2. GCU Auto Buyer Program

  • Apply using the online application.

    Get pre-approved6 before shopping to make your car shopping even easier!

  • Obtain proof of insurance.

    Once you've picked out your vehicle, purchase your insurance policy and get a copy for us.

  • Sign then drive.

    With your loan approval, insurance and bill of sale, we'll wrap up the paperwork quickly with your final signature.

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This "auto" be easy!
Use a Copper State CU Auto Loan to purchase a new or used car, truck, SUV or motorcycle. Whether you're looking to get behind the wheel or handlebars, we're here for you!
Get Started

GCU Alumni Auto Buyer Program

 
Maximum Loan Amount $40,000*
Maximum Loan Term 84 Months
Minimum Monthly Income Requirement $1,500

*GCU alumni may apply for auto loan in the amount of more than $40,000. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions.

 

3. Personal Loans Provide Freedom

  • Build credit.

    Our Share Secured Loans help you boost your credit score and offer an instant approval with no credit check. Your account balance serves as collateral.

  • Cover the unexpected.

    Sometimes life throws us a curveball. If you need a new water heater or an unexpected medical procedure, Copper State Credit Union has you covered.

  • Consolidate debt.

    Using a Personal Loan7 for Debt Consolidation is a great way to lower your monthly bill payments allowing you to save a little extra for the future.

  • Make memories.

    Our Personal Loans offer you the chance to create lifelong memories from a meaningful purchase, special vacation or celebration.

Woman in a kayak on a exotic beach location
Our Personal Loans offer financial freedom.
Whether you're planning your next excursion or recovering from your last adventure, our Personal Loans are the perfect solution. Our low Personal Loan rates and Share Secured Loan rates offer an affordable option that you can count on. No need to wait any longer, complete our easy online Personal Loan application now.
Get Started

Personal Loan Rates

Product Type
Repayment Terms
APR* as low as
Product Type
Personal Loans
Repayment Terms
24 - 60 Months
APR* as low as
10.50%
Product Type
Share (Savings or Certificate) Secured Loan
Repayment Terms
24 - 60 Months
APR* as low as
2.99%
Effective July 22, 2024

*APR = Annual Percentage Rate

Stress Less

Consolidate your debt.

If you have multiple loans causing you stress, take a sigh of relief; we may be able to help.

In addition to building credit and making purchases, Personal Loans can also be used for debt consolidation. You can transform your multiple loan payments into one simple payment and pay down existing debt while simultaneously improving your credit.

Need some help? No problem. Copper State Credit Union is here to guide you towards financial freedom!

 

Get Started
Woman using her laptop to apply for a Personal Loan.

4. Home is Where the Heart is.

We can assure you we have a mortgage that is a perfect match for you. 

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No hidden fees.
We let you know exactly what fees may occur - multiple, complicated fees don't exist here.8
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Fixed-rate loans.
Fixed-rate mortgages are available with loan terms from 5-30 years.9
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Competitive rates.
Our low mortgage and refinance rates offer you an affordable monthly payment.
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Quick pre-approval.
Know how much home you can afford before falling in love with a home outside your budget.
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Limited Time Offer
This offer expires on December 31, 2023! You won't want to miss out.
Get Started
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The Appraisal Fee Is On Us.
We value our members! No appraisal fee will save you between $300-$700. That's money you can put towards your home.

Mortgage Rates

With Copper State CU, first-time homebuyers may qualify for a 3% minimum down payment.
Product Type
Rate
APR*
Product Type
15 Year Fixed - 0 Points
Rate
6.88%
APR*
7.01%
Product Type
15 Year Fixed - 1 Point
Rate
6.38%
APR*
6.67%
Product Type
30 Year Fixed - 0 Points
Rate
7.25%
APR*
7.34%
Product Type
30 Year Fixed - 1 Point
Rate
7.00%
APR*
7.19%
Effective July 22, 2024

*APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. If you are interested in a mortgage loan that is not a 15 year or 30 year term, please contact our Mortgage Concierge at 623.580.6020 about terms from 5-30 years.

Disclosure

Incentive Offer

Must be a GCU Alumni to qualify. Offer requirements be completed within 60 days after first product is funded/opened. Offer expires 12/31/2023. Bonus incentive offer will be deposited to your primary Savings Account by January 31, 2024. Account must remain open for 30 or more days to receive bonus offer incentive. 

Checking

1. We will round up your debit card purchases (signature and PIN) to the nearest dollar and transfer the difference from your Lopes Checking to your Primary Savings account once each day in a single transfer (Round-Up Savings) we may cancel or modify the Round-Up Savings feature at any time without prior notice. We will aggregate the rounded up amount accumulated each day and post to your Lopes checking account at the end of the business day. A single transfer will be made to the primary member's Primary Savings account at the end of the business day. If on a business day you do not have sufficient funds in your checking account, or if any transaction has overdrawn your checking account, we will not round up purchases posted on that business day and we will cancel the Round-Up Savings transfer for that day. If your debit card purchase is subsequently canceled or reversed, the corresponding Round-Up Savings transfer will remain in the savings account. Round-Up Savings is only available on the debit card linked to your Lopes checking account. You understand this feature will cause all non-even debit card transactions (signature and PIN) made by you or a joint owner of your Lopes checking account to round up to the nearest dollar and transfer the difference from your Lopes checking account to your Primary Savings account. Should you have questions regarding or choose to cancel the Round-Up Savings feature, please notify us at any time. Lopes checking does not carry a monthly fee if member is enrolled in eStatements. For paper statements, a $2 monthly fee will be assessed to their account, except for those members over the age of 65 or under the age of 17. Interest is not paid on Lopes Checking account.

2. Certain terms, conditions and exclusions apply. Cardholders need to register for this service. This service is provided by Iris® Powered by Generali. Visit https://mastercardus.idprotectiononline.com/enrollment/embedded.html for more information and to activate the benefit.

3. NO PURCHASE NECESSARY. Void where prohibited. U.S. residents 18+ before 1/1/23. PIN‑based debit, international and corporate transactions ineligible. Ends 12/31/23. For official rules and complete details, click here.

4. Offer cannot be combined with other Pebble Beach Resorts travel packages available on Priceless.com. Offers exclusive to Mastercard cardholders. Terms and conditions apply. See Priceless.com for full details.

5. NO ENROLLMENT NECESSARY TO ENTER OR WIN. Void where prohibited. Open to legal residents of the 50 U.S. or DC, who are legal age of majority prior to time/date of entry. Ends 12/31/23. For Official Rules & complete details, click here.

The Click to Pay icon is a trademark owned and used with permission of EMVCo, LLC. Contactless‑enabled Mastercard accepted at participating locations. Visit mastercard.com/tapandgolocator for more details.
Mastercard and Start Something Priceless are registered trademarks, and the circles design is a trademark, of Mastercard International Incorporated. © 2023 Mastercard. All rights reserved

First-Time Auto Program

6. All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. For a 72-month term the amount financed must equal or exceed $15,000, for an 84-month term the amount financed must equal or exceed $25,000, maximum term of 84 months and minimum income of $1,500 required, additional conditions apply. The total auto loan financed amount must equal or exceed $15,000 to qualify for the bonus offer incentive. APR = Annual Percentage Rate. Membership is required.

Personal Loan

7. All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. The total personal loan financed amount must equal or exceed $4,500 to qualify for the bonus offer incentive. Membership is required. APR = Annual Percentage Rate.

Mortgage

8. A one-time processing fee is charged as a part of your mortgage loan.

9. APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval. For a $250,000 loan with a 20% down payment a 6.37% APR for a 30 year term, the monthly payment would be $1,231 (excluding property tax and insurance); for a $250,000 loan with a 20% down payment at 5.88% APR for a 15 year term, the monthly payment would be $1,660 (excluding property tax and insurance). 1% Origination Fee may apply.

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