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We're Here To Help

Choose a local lender for all your home improvement needs.

You can contact Donna Buchanan by phone at 623.580.6054 or by email at dbuchanan@copperstatecu.org.

If you're ready for the pool of your dreams, get started by filling out an application above. 

 

Pool Loan Rates

We're all about transparency for our members. Although rates, terms and conditions are subject to change, see this table for a general guideline when it comes to our lowest rates available by
credit tier.

Pool Loan Rates by Credit Score

LTV* 120 Month Term* 180 Month Term*
≤80% LTV  5.75%  6.00% 
≤90% LTV  6.00%  6.25% 
≤100% LTV  6.25%  6.50% 
Rates are effective as of March 2, 2026
LTV* 120 Month Term* 180 Month Term*
≤80% LTV  6.00%  6.25% 
≤90% LTV  6.25%  6.50% 
≤100% LTV  6.50%  6.75% 
Rates are effective as of March 2, 2026
LTV* 120 Month Term* 180 Month Term*
≤80% LTV  6.25%  6.50% 
≤90% LTV  6.50%  6.75% 
≤100% LTV  6.75%  7.00% 
Rates are effective as of March 2, 2026
LTV* 120 Month Term* 180 Month Term*
≤80% LTV  6.50%  6.75% 
≤90% LTV  6.75%  7.00% 
≤100% LTV  7.00%  7.25% 
Rates are effective as of March 2, 2026

*Additional loan-to-value ratios and term options may be available for qualified pool loans. Please contact our Lending Specialists for more details.

 

Helpful Tips:

  • LTV is your Loan to Value Ratio, which looks at the amount you're borrowing compared to the value of the collateral. The lower the better!
  • Loan Term is the length of time you'll be paying back the loan, usually shown in months
  • Credit Score is a number between 300-850 that reflects your likely ability to repay a loan. More info on credit score's five key factors here or log into online banking to check your current score here

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Enjoy Your Backyard This Summer

Every home deserves a pool. Our low pool loan rates offer an affordable monthly payment, allowing you to make the changes you want, knowing your budget is still on track.

 

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Beat The Heat With Our Pool Loans

Copper State Credit Union wants to help you build the pool you've always wanted.  Keep your family healthy and active all year long with our finance options. 

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Competitive Rates
Our low Pool Loan (Home Equity Loan) rates offer you an affordable monthly payment.1
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Flexible Repayment Terms
Fixed rate Pool Loans are available with terms from 60 - 180 months.2
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Potential Tax Advantages
Pool Loans offer potential tax deductions on interest payments.
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Endless Possibilities
Unused funds can either be used for upgrades and/or principal reduction on your loan.
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Get the backyard oasis of your dreams.

Pool Loan Calculator

See how much you can afford. Adjust the rate and loan term to see what works with your budget. Like what you see? Email yourself the results for reference.

Your actual term and payment will be provided upon acceptance of a Copper State CU loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.
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Disclosure

1All loans subject to approval. Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. An origination fee of $300-$800 will apply based on your total loan amount. Membership is required.

2The maximum loan amount is $350,000. The minimum loan amount is $15,000.

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