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Checking Rates
Rates Effective as of: 01-16-2021
Checking Accounts
Account Minimum to Open Term Minimum to Earn APY* APY Preferred Checking $25.00 N/A $2,500.00 0.00 Clear Card $25.00 N/A N/A N/A Second Chance Checking $25.00 N/A N/A N/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. Fees may reduce earnings.
For complete details, please click below for full disclosure information.
Rates and Fees -
Savings Rates
Rates Effective as of: 01-16-2021
Share Savings Rates
Product Minimum to Open Compounded/ Credited Minimum to Earn APY Dividend Rate % Annual Percentage Yield (%) Share Savings $25.00 Monthly $100 0.010 0.01 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. Fees may reduce earnings.
For complete details, please click below for full disclosure information.
Rates and FeesRates Effective as of: 01-16-2021Savings Rates
Product Minimum to Open Compounded/Credited Minimum to Earn APY Interest Rate % Annual Percentage Yield (%) Special Savings N/A Monthly $0.00 0.010 0.01 Club Accounts N/A Monthly $0.00 0.010 0.01 Mile High APY* N/A Monthly $0.00 - $5,280.00 5.156 5.28 Mile High APY* N/A Monthly $5,280.01 & Up 0.010 0.01 Non-Profit Reserve Savings** N/A Monthly $50,000.00 - $99,999.99 0.150 0.15 Non-Profit Reserve Savings** N/A Monthly $100,000.00+ 0.400 0.40 Savings accounts at the credit union are variable rate accounts. Interest rates and annual percentage yields listed are subject to change without notice. Fees may reduce earnings.
*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 FeesRates Effective as of: 01-16-2021Money Market Accounts
Account Term Compounded/Credited Minimum to Open Minimum to Earn APY Dividend Rate % Annual Percentage Yield (%) Tiered Money Market & Business Money Market N/A Monthly $2,000.00 $2,000 - $19,999.99 0.050 0.05 Tiered Money Market & Business Money Market N/A Monthly $2,000.00 $20,000 - $74,999.99 0.100 0.10 Tiered Money Market & Business Money Market N/A Monthly $2,000.00 $75,000 & Up 0.150 0.15 Health Savings Account, IRA, Roth IRA, SEP IRA & Coverdell ESA Tiered Money Market N/A Monthly N/A Below $2,000.00 0.010 0.01 Health Savings Account, IRA, Roth IRA, SEP IRA & Coverdell ESA Tiered Money Market N/A Monthly N/A $2,000 - $19,999.99 0.050 0.05 Health Savings Account, IRA, Roth IRA, SEP IRA & Coverdell ESA Tiered Money Market N/A Monthly N/A $20,000 - $74,999.99 0.100 0.10 Health Savings Account, IRA, Roth IRA, SEP IRA & Coverdell ESA Tiered Money Market N/A Monthly N/A $75,000 & Up 0.150 0.15 Money Market accounts at the credit union are variable rate accounts. Interest rates and annual percentage yields listed are subject to change without notice. Fees may reduce earnings.
For complete details, please click below for full disclosure information.
Rates and FeesRates Effective as of: 01-16-2021Certificates of Deposit (CD)*
Term Compounded/Credited $100.00+ Interest Rate (%) $100.00 Annual Percentage Yield (%) $100,000.00+ Interest Rate (%) $100,000.00 Annual Percentage Yield (%) 3 Months Monthly 0.150 0.15 0.150 0.15 6 Months* Monthly 0.250 0.25 0.250 0.25 12 Months Monthly 0.349 0.35 0.349 0.35 24 Months Monthly 0.449 0.45 0.449 0.45 36 Months** Monthly 0.549 0.55 0.648 0.65 48 Months** Monthly 0.648 0.65 0.747 0.75 60 Months** Monthly 0.797 0.80 0.896 0.90 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. Fees may reduce earnings.
*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: 01-16-2021
Consumer Loans
Account Annual 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 Credit 18.00% Share Secured 5.25% Credit Builder Certificate of Deposit + 6.00% Certificate of Deposit Secured Certificate 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.
Rates Effective as of: 01-16-2021Home Loans
Account Term Interest Rate APR Principal and Interest Payment for $150,000 Loan Conventional Fixed Rate 15 yrs. 2.375 2.511 $991.38 Conventional Fixed Rate 20 yrs. 2.625 2.730 $804.02 Conventional Fixed Rate 30 yrs. 2.875 2.950 $622.34 Fast Track Mortgage 10 yrs. 3.500 3.699 $1,483.29 Fast Track Mortgage 30 yrs. 3.125 3.201 $642.56 Rental Property Mortgage 30 yrs. 4.125 4.205 $727.71 Fixed Rate Second Mortgage 10 yrs. 5.250 - 5.500 5.455 - 5.706 $1,609.38 - $1,627.90 Fixed Rate Second Mortgage 15 yrs. 5.250 - 5.500 5.394 - 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: 01-16-2021Home Equity Line of Credit
Account Term Interest Rate APR Home Equity Line of Credit 5 yr. draw period, 10 yr payback 5.000 5.000 Interest-Only HELOC 10 yr. draw period, 15 yr. payback 5.000 5.000 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.
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