Member Rewards

Copper State Credit Union is a not-for-profit, member-owned financial institution. We achieve financial prosperity together, as profits are returned to members. Member rewards include:

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Lower interest rates.
Our profits are returned to members in the form of lower interest rates.
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Higher dividends.
Our profits are shared with members in the form of higher savings rates.
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Lower fees.
Our members are rewarded with lower, and fewer, fees so you can save more.
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Your vote counts.
Our Board of Directors is elected by our membership.
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We are not-for-profit.
We are not here to earn profits for outside stockholders, we are here to serve you!

Additional Perks:

  • Mastercard®️ Debit Card Exclusive Member Perks

    As a debit cardholder, you’ll enjoy Mastercard Airport Concierge with a personal agent to assist you, plus expedited security processing.1 You also have unique access to online experiences in food, culture and entertainment at home.

  • ATM Access Without The Fees

    Our members have access to 55,000+ ATMs that are surcharge-fee free. ATMs are conveniently located anywhere your travels may take you and can be found in Target, CVS, Walgreens and more top retailers.

  • Additional Branches

    As part of the CO-OP Shared Branch network, we are excited to offer our members access to thousands of convenient credit union branches across the country.

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We are partners in our community.
It is our responsibility to give back to the communities we serve. We support local organizations throughout Arizona that help our communities thrive. We currently focus on supporting community food banks, financial literacy in youth and the arts.
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Looking for reliable insurance options designed to be simple?

Insurance should be an important part of a solid financial plan. The key is finding coverage that fits your needs from someone trustworthy—because the right insurance could help give you peace of mind.

Backed by more than 80 years of working with credit unions and their members, TruStage™2 is here to help protect what matters most. Trust us for all your insurance needs, including Life, Auto & Home, Accidental Death & Dismemberment Coverage and more.

Get an instant, no-obligation quote or explore your coverage options at

Arizona Desert (1)

Love at first swipe.

  • 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.*

  • Put your feet up and soak in the sun in Puerto Rico

    From now until September 30, 2024, use your Copper State CU Mastercard® and you could turn your everyday purchases into entries for a chance to win a trip of a lifetime.***

  • Peace of Mind Spending

    Mastercard safeguards against unauthorized purchases, loss or theft with Mastercard Zero Liability Protection**

  • You could turn everyday purchases into a chance to win with your Copper State CU Mastercard®

    From now until September 30, 2024 you could have a chance to earn entries to win a daily prize of a $50 Mastercard Prepaid® card.**** That means eligible purchases from small to big could come with a surprise bonus!

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Knowledge is Power

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We are committed.
We are strengthening our communities one family and one financial solution at a time.
Complimentary Financial Review with Our Experienced AdvisorsComplimentary Financial Review with Our Experienced Advisors
Meet with our partner financial advisors at Copper State Wealth Management for a free annual review. They can access if you are on the right track to retire with enough income to live comfortably.
Your Virtual Financial MentorYour Virtual Financial Mentor
Members have access to one-on-one virtual financial coaches that provide simple-to-follow game plans for everything from how to get out of debt to running a business. You can access Coaches any time and get the info you need to win at life’s big financial milestones.

Empower yourself! Create the financial future you want with these tools:

Virtual Financial Coaches Virtual Financial Coaches
Access Free Virtual Financial Coaches
Member Benefit Checking (6) Gray Member Benefit Checking
Access 55,000+ Surcharge Free ATMs
credit card credit card
Instant Free Credit Score Review & Tips
Financial Assesment Financial Assessment
Free Financial Assessment


1 Your passport to the finer side of air travel. Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 700 destinations worldwide 24 hours a day, 7 days a week, 365 days a year. There are also certain airports where you can be expedited through the security and/or the immigration process. To reserve Mastercard Airport Concierge services visit or consult your Travel Advisor.

2TruStage™ Life insurance and AD&D insurance are issued by CMFG Life Insurance Company, and MEMBERS Life Insurance Company. Auto and Home Insurance Program are issued by leading insurance companies.  The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by any financial institution. Product and features may vary and not be available in all states. Corporate Headquarters 5910 Mineral Point Road, Madison, WI 53705. © TruStage GEN-2944047.3

*For cardholders who enrolled prior to July 1, 2019, this service shall be provided by CSID until December 31, 2019. Cardholders will have to re-enroll with Generali Global Assistance, Inc. at the link provided in the enrolled cardholder notices. Cardholders will need to register for this service. Cardholders who enroll on or after July 1, 2019, this service shall be provided by Generali Global Assistance Inc. For more information, visit

**Certain terms, conditions and exclusions apply. To learn more about Zero Liability, visit 

***NO PURCHASE 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 before 1/1/24. PIN-based debit, international, corporate, and transactions processed on a non-Mastercard operated network are ineligible. Ends 9/30/24. For Official Rules and complete details, click here.

****NO PURCHASE 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 before 1/1/24. PIN‑based debit, international, corporate, and transactions processed on a non‑Mastercard operated network are ineligible. Ends 9/30/24. 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 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

This site is published for residents of the United States and is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or product that may be referenced herein. Persons mentioned on this website may only offer services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction or from every person listed.

Securities offered through Securities America, Inc., Member FINRA/SIPC. Advisory services offered through PFG Advisors. Copper State Wealth Management, Copper State Credit Union, Securities America, and PFG Advisors are separate entities. Securities America and its representatives do not provide tax or legal advice.

Not NCUA Insured • No Credit Union Guarantee • May Lose Value