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Checking Rates
Rates Effective as of: 12-24-2024
Checking Accounts
Account Minimum to Open Term Minimum to Earn APY* APY Preferred Checking N/A N/A $2,500.00 0.00 Clear Card N/A N/A N/A N/A Second Chance Checking N/A 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: 12-24-2024
Share Savings Rates
Product Minimum to Open Compounded/ Credited Minimum to Earn APY Dividend Rate % Annual Percentage Yield (%) Share Savings $5.00 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: 12-24-2024Savings 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 read theMile High APY Disclosure.
**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: 12-24-2024Money 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: 12-24-2024Certificates 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 0.050 0.05 0.050 0.05 6 Months* Monthly 0.698 0.70 0.698 0.70 12 Months Monthly 0.847 0.85 0.847 0.85 24 Months Monthly 0.995 1.00 0.995 1.00 36 Months** Monthly 1.144 1.15 1.242 1.25 48 Months** Monthly 1.341 1.35 1.440 1.45 60 Months** Monthly 1.489 1.50 1.588 1.60 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
Apply for a Loan
Consumer Loans
Account Annual Percentage Rate (%) Auto Loan* 3.24%-17.75% Motorcycle & Scooter* 5.99% - 16.00% Recreational Vehicle* 6.54% - 9.55% Personal Loan (Up to $4,999.99)** 9.95% - 18.00% Personal Loan ($5,000+)*** 5.95%-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 24 mo. Certificate of Deposit + 10.00% Certificate of Deposit Secured Certificate of Deposit + 3.00% All loans are subject to credit approval, as well as income verification and employment verification. 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 3.24% APR, the monthly payment would be $18.08 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 6.54% APR, the monthly payment would be $19.58 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 $32.24 per $1,000.
***Personal Loan Payment Example: For a $5,000 with a 36-month term payments at 5.95% APR, the monthly payment would be $30.40 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.
Apply for a Mortgage
Rates Effective as of: 12-24-2024Home Loans
Account Term Interest Rate APR Principal and Interest Payment for $150,000 Loan Conventional Fixed Rate 15 yrs. 4.750 4.895 $1,166.75 Conventional Fixed Rate 20 yrs. 4.750 4.864 $969.34 Conventional Fixed Rate 30 yrs. 5.000 5.085 $805.23 3% Down Payment Mortgage* 30 yrs. 5.625 5.713 $863.48 Fast Track Mortgage 10 yrs. 4.500 4.707 $1,554.58 Fixed Rate Second Mortgage 10 yrs. 5.500 - 7.250 5.711 - 7.468 $1,621.10 - $1,665.31 Fixed Rate Second Mortgage 15 yrs. 5.500 - 7.250 5.648 - 7.406 $1,225.63 - $1,265.79 Fast Track Second Mortgage 10 yrs. 4.50 4.50 $518.19 for a maximum $50,000 loan All loans are subject to credit and collateral approval, as well as income verification and employment verification. 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. Down payment example: 20% down of $150,000 is $30,000.
Please consult a Mortgage Loan Officer for complete details.
*Rates are subject to credit and loan to value. 3% down on a $150,000 mortgage is equal to $4,500. For complete mortgage rate details, please contact our Mortgage Lending Department by calling 303-573-1170, or use our contact form.
Rates Effective as of: 12-24-2024Home 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, as well as income verification and employment verification. 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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Business Loan Rates
Business Loans
Account Annual Percentage Rate (%) Vehicle Loan (Under $50,000)* 3.74 - 6.44% Vehicle Loan (Over $50,000)** 4.24 - 6.94% Titled Motorized Equipment*** 6.24 - 8.94% Titled Non-Motorized Equipment**** 7.24 - 9.94% Non-Titled Business Equipment^ 8.24 - 10.94% Business Credit Card (Purchases)^^ 12.99 - 13.99% Business Credit Card (Cash Advance)^^ 18.00% Share Secured Business Loans^^^ 5.25% Business Signature Loan^^^^ 10.25% All loans are subject to credit approval. Rates are subject to change without notice. Business income verification including business documents including but not limited to tax returns for the business will be required.
*Rates are dependent on credit qualification, length of term, loan-to-value (LTV), age of vehicle, and if the vehicle is new or used.
Vehicle Loan (Under $50,000) Payment Example: For a $10,000 loan with 60-month term payments at 3.74% APR, the monthly payment would be $18.30 per $1,000.
**Vehicle Loan (Over $50,000) Payment Example: For a $50,000 loan with 60-month term payments a 4.24% APR, the monthly payment would be $18.53 per $1,000.
***Titled Motorized Equipment Payment Example: For a $10,000 loan with 60-month term payments at 6.24% APR, the monthly payment would be $19.44 per $1,000.
****Titled Non-Motorized Equipment Payment Example: For a $10,000 with a 60-month term payments at 7.24% APR, the monthly payment would be $19.91 per $1,000.
^Non-Titled Business Equipment Payment Example: For a $10,000 with a 60-month term payments at 8.24% APR, the monthly payment would be $20.39 per $1,000.
^^Business Credit 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.
^^^Share Secured Business Loans Payment Example: For a $10,000 with a 60-month term payments at 5.25% APR, the monthly payment would be $18.98 per $1,000.
^^^^Business Signature Loans Payment Example: For a $10,000 with a 60-month term payments at 10.25% APR, the monthly payment would be $21.37 per $1,000.
Rates Effective as of: 12-24-2024Commercial Lines of Credit
Account Annual Percentage Rate (%) Unsecured 6.50% Other Secured 5.50% Real Estate Secured 4.50% All loans are subject to credit approval and collateral approval. Rates are subject to change without notice. Business income verification including business documents including but not limited to tax returns for the business will be required.
Commercial Adjustable Rate Mortgages (ARM)
Account Annual Percentage Rate (%) 3/3 ARM 3.75% 5/5 ARM 4.00% 7/7 ARM 4.50% All loans are subject to credit approval and collateral approval when applicable. Rates are subject to change without notice. Business income verification including business documents including but not limited to tax returns for the business will be required. Origination fee is equal to 1.00% of loan amount.
Commercial Fixed Rate Mortgages
Term Annual Percentage Rate (%) 15 Years 6.25% 20 Years 6.50% All loans are subject to credit approval and collateral approval when applicable. Rates are subject to change without notice. Business income verification including business documents including but not limited to tax returns for the business will be required.
Apply for a Business Loan