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Rates

  • Checking Rates
    Rates Effective as of: 10-21-2020

    Checking Accounts

    AccountMinimum to OpenTermMinimum to Earn APY*APY
    Preferred Checking$25.00 N/A$2,500.000.00
    Clear Card$25.00 N/AN/AN/A
    Second Chance Checking$25.00 N/AN/AN/A

    *APY is Annual Percentage Yield.

    Checking accounts at the credit union are variable rate accounts. Interest rates and annual percentage yields listed are subject to change without notice.

    For complete details, please click below for full disclosure information.
    Rates and Fees

    Truth in Savings Disclosure

  • Savings Rates
    Rates Effective as of: 10-21-2020

    Share Savings Rates

    ProductMinimum to OpenCompounded/ CreditedMinimum to Earn APYDividend Rate %Annual Percentage Yield (%)
    Share Savings$25.00Monthly$1000.0100.01
    Rates Effective as of: 10-21-2020

    Savings Rates

    ProductMinimum to OpenCompounded/Credited Minimum to Earn APYInterest Rate %Annual Percentage Yield (%)
    Special SavingsN/A Monthly$0.000.0100.01
    Club AccountsN/A Monthly$0.000.0100.01
    Mile High APY*N/A Monthly$0.00 - $5,280.005.1565.28
    Mile High APY*N/A Monthly$5,280.01 & Up0.0100.01
    Non-Profit Reserve Savings** N/A Monthly$50,000.00 - $99,999.990.2000.20
    Non-Profit Reserve Savings**N/A Monthly$100,000.00+ 0.4500.45

    Share accounts at the credit union are variable rate accounts. Dividend and interest rates and annual percentage yields listed are subject to change without notice.

    *To save with the Mile High APY account, you must have a checking account and debit card. To learn more about the Mile High APY account, please click here.

    **Must be a 501(c)3 or 501(d) to open account.

    For complete details, please click below for full disclosure information.
    Rates and Fees

    Truth in Savings Disclosure

    Rates Effective as of: 10-21-2020

    Money Market Accounts

    AccountTermCompounded/CreditedMinimum to OpenMinimum to Earn APYDividend Rate %Annual Percentage Yield (%)
    Tiered Money Market & Business Money MarketN/AMonthly $2,000.00$2,000 - $19,999.990.1000.10
    Tiered Money Market & Business Money MarketN/AMonthly $2,000.00$20,000 - $74,999.990.1500.15
    Tiered Money Market & Business Money MarketN/AMonthly $2,000.00$75,000 & Up0.2000.20
    Health Savings Account, IRA, Roth IRA, SEP IRA & Coverdell ESA Tiered Money MarketN/AMonthly N/ABelow $2,000.000.0500.05
    Health Savings Account, IRA, Roth IRA, SEP IRA & Coverdell ESA Tiered Money MarketN/AMonthly N/A$2,000 - $19,999.990.1000.10
    Health Savings Account, IRA, Roth IRA, SEP IRA & Coverdell ESA Tiered Money MarketN/AMonthly N/A$20,000 - $74,999.990.1500.15
    Health Savings Account, IRA, Roth IRA, SEP IRA & Coverdell ESA Tiered Money MarketN/AMonthly N/A$75,000 & Up0.2000.20

    Money Market accounts at the credit union are variable rate accounts. Interest rates and annual percentage yields listed are subject to change without notice.

    For complete details, please click below for full disclosure information.
    Rates and Fees

    Truth in Savings Disclosure

    Rates Effective as of: 10-21-2020

    Certificates of Deposit (CD)*

    TermCompounded/Credited$100.00+ Interest Rate (%)$100.00 Annual Percentage Yield (%)$100,000.00+ Interest Rate (%)$100,000.00 Annual Percentage Yield (%)
    3 MonthsMonthly0.2000.200.2000.20
    6 Months*Monthly0.349 0.350.3490.35
    12 MonthsMonthly0.3990.400.3990.40
    24 MonthsMonthly0.4490.450.4490.45
    36 Months**Monthly0.5490.550.6480.65
    48 Months**Monthly0.6480.650.7470.75
    60 Months**Monthly0.7970.800.8960.90

    All certificates automatically renewed for another term upon maturity. All certificates subject to early withdrawal penalties; term of 12 months or less = 90 days’ interest, terms over 12 months = 180 days’ interest.

    *Deposits of $25 or more (including payroll deduction deposits) can be added to these specific certificates at any time. Roth Conversion IRAs excluded.

    ** Contribution and rollover deposit are allowed at any time when invested in an IRA certificate of deposit with any term of 36 months or greater with a minimum transaction amount of $25.

    For complete details, please click below for full disclosure information.
    Rates and Fees
    Truth in Savings Disclosure

  • Loan Rates
    Rates Effective as of: 10-21-2020

    Consumer Loans

    AccountAnnual Percentage Rate (%)
    Auto Loan*3.49%-18.00%
    Motorcycle & Scooter*5.99% - 16.00%
    Recreational Vehicle*4.99% - 8.99%
    Personal Loan**9.95% - 18.00%
    Platinum Credit Card (Purchases and Balance Transfers)***12.99%
    Platinum Credit Card (Cash Advance)***18.00%
    Overdraft Line of Credit18.00%
    Share Secured5.25%
    Credit BuilderCertificate of Deposit + 6.00%
    Certificate of Deposit SecuredCertificate of Deposit + 3.00%

    All loans are subject to credit approval. Rates are subject to change without notice.

    *Rates are dependent on credit qualification, length of term, loan-to-value (LTV), age of vehicle, and if the vehicle is new or used.

    Auto Loan Payment Example: For a $10,000 loan with 60-month term payments at 3.49% APR, the monthly payment would be $18.18 per $1,000.

    Motorcycle Payment Example: For a $10,000 loan with 60-month term payments at 5.99% APR, the monthly payment would be $19.32 per $1,000.

    Recreational Vehicle Payment Example: For a $10,000 loan with 60-month term payments at 4.99% APR, the monthly payment would be $18.86 per $1,000.

    **Personal Loan Payment Example: For a $5,000 with a 36-month term payments at 9.95% APR, the monthly payment would be $16.12 per $1,000.

    *** Visa Platinum Card is subject to a $25 annual fee. Foreign transaction fee of 1.00% of each multiple currency transaction in U.S. dollars, or 0.80% of each single currency transaction in U.S. dollars applies.

    See disclosure for complete details.

    Rates Effective as of: 10-21-2020

    Home Loans

    AccountTermInterest RateAPRPrincipal and Interest Payment for $150,000 Loan
    Conventional Fixed Rate15 yrs.2.7502.877$1,017.93
    Conventional Fixed Rate20 yrs.2.8752.981$821.11
    Conventional Fixed Rate30 yrs.3.0003.075$628.57
    Fast Track Mortgage10 yrs.3.5003.699$1,483.29
    Rental Property Mortgage30 yrs.5.3755.460$839.96
    Fixed Rate Second Mortgage15 yrs.5.250 - 5.5005.394 - 5.645$1,205.82 - $1,225.63

    All loans are subject to credit and collateral approval. Home loan rates are subject to change at anytime, without notice. Payment examples above are base on a $150,000 loan. Payment examples are principal and interest only. Credit, taxes, insurance, other costs, may increase the payment amount. Properties must be in Colorado.

    Please consult a Mortgage Loan Officer for complete details.

    Rates Effective as of: 10-21-2020

    Home Equity Line of Credit

    AccountTermInterest RateAPR
    Home Equity Line of Credit5 yr. draw period, 10 yr payback5.0005.000
    Interest-Only HELOC 10 yr. draw period, 15 yr. payback5.0005.000

    All loans are subject to credit and collateral approval. Home loan rates are subject to change at anytime, without notice. Payment examples above are base on a $150,000 loan. Payment examples are principal and interest only. Credit, taxes, insurance, other costs, may increase the payment amount. Properties must be in Colorado.

    Please consult a Mortgage Loan Officer for complete details.