Rates
Checking Rates
Truth In Savings Disclosure
Except as specifically described, the following disclosures apply to all the accounts.
- Rate Information. The dividend rate, or interest rate, and annual percentage yield on your accounts are set forth on the reverse side. The annual percentage yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the dividend/interest rate and frequency of compounding for an annual period. For Certificates of Deposit and IRA Certificates of Deposit, the interest rate and annual percentage yield are fixed and will be in effect for the term of the account. The annual percentage yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal will reduce earnings.
- Nature of Dividends. Dividends are paid from current income and available earnings after providing for the required reserves. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
- Compounding and Crediting. Interest and dividends will be compounded and credited as set forth on the reverse side. The dividend/interest period for each account is also set forth on our Rate and Fee Schedule. The dividend/interest period begins on the first calendar day of the period and ends on the last calendar day of the period.
- Balance Information. The minimum balance required to open each account is set forth. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
- Accrual of Dividends. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on noncash deposits (checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
- Account Limitations. The account limitations for each account are set forth in our Membership and Account Agreement
- Your account will mature on the maturity date set forth on your account receipt or renewal notice.
- Early Withdrawal Penalties. A penalty may be imposed if you withdraw any of the certificate funds before the maturity date or the renewal date, if this is a renewal account.
- Amount of Penalty. For Certificates of Deposit and IRA Certificates of Deposit the amount of the early withdrawal penalty for your account is 90 days’ interest for a term of 12 months or less, and 180 days’ interest for a term over 12 months.
- How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the interest that have been earned on the account. This penalty applies to earned interest and principal.
- Renewal Policy. Certificate of Deposit accounts will automatically renew for another term upon maturity. You have a grace period of seven days in which to change or withdraw the funds without being charged an early withdrawal penalty.
- Exception to Early Withdrawal Penalties. At our option, we may redeem the account before maturity without imposing an early withdrawal penalty under the following circumstances:
- When an account owner dies
- or is determined legally incompetent by a court
- or other body of competent jurisdiction.
- Nontransferable / Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner except obligations with the Credit Union.
- FEES FOR OVERDRAWN ACCOUNTS. Fees may be imposed on each check, draft item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or payment of a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approval limit. Please refer to the Rate and Fee Schedule for current fee information.
Savings Rates
Product | Minimum to Open | Compounded/Credited | Minimum to Earn APY | Dividend Rate | Annual Percentage Yield |
---|---|---|---|---|---|
Special Savings |
$0 |
Monthly |
$100 |
0.1499 |
0.15 |
Mile High APY* |
$0 |
Monthly |
$0-$5,280.00 |
5.1564 |
5.28 |
Mile High APY* |
$0 |
Monthly |
$5,280.01 & Up |
0.1499 |
0.15 |
Non-Profit Reserve Savings** |
$0 |
Monthly |
$50,000.00-$99,999.99 |
2.0801 |
2.10 |
Non-Profit Reserve Savings** |
$0 |
Monthly |
$100,000.00 & Up |
2.3251 |
2.35 |
Rates effective as of: February 18, 2025
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 the Mile 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 Fees
Truth in Savings Disclosure
Money 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 |
$2,000.00 - $19,999.99 |
0.9954 |
1.00 |
Tiered Money Market & Business Money Market |
N/A |
Monthly |
$2,000.00 |
$20,000 - $74,499.99 |
1.4898 |
1.50 |
Tiered Money Market & Business Money Market |
N/A |
Monthly |
$2,000.00 |
$75,000 - $249,999.99 |
1.8837 |
1.90 |
Tiered Money Market & Business Money Market |
N/A |
Monthly |
$2,000.00 |
$250,000 & Up |
2.0801 |
2.10 |
Health Savings Account, IRA, Roth IRA, SEP IRA & Coverdell ESA Tiered Money Market |
N/A |
Monthly |
N/A |
Below $2,000.00 |
0.1499 |
0.15 |
Health Savings Account, IRA, Roth IRA, SEP IRA & Coverdell ESA Tiered Money Market |
N/A |
Monthly |
N/A |
$2,000 - $19,999.99 |
0.9954 |
1.00 |
Health Savings Account, IRA, Roth IRA, SEP IRA & Coverdell ESA Tiered Money Market |
N/A |
Monthly |
N/A |
$20,000 - $74.999.99 |
1.4898 |
1.50 |
Health Savings Account, IRA, Roth IRA, SEP IRA & Coverdell ESA Tiered Money Market |
N/A |
Monthly |
N/A |
$75,000 - $249,999.99 |
1.8837 |
1.90 |
Health Savings Account, IRA, Roth IRA, SEP IRA & Coverdell ESA Tiered Money Market |
N/A |
Monthly |
N/A |
$250,000.00 & Up |
2.0801 |
2.10 |
Rates effective as of: February 18, 2025
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 Fees
Truth in Savings Disclosure
Certificates of Deposit (CD)*
Term | Compounded/Credited | $100.00+ Dividend Rate | $100.00 Annual Percentage Yield | $100,000.00+ Dividend Rate | $100,000.00 Annual Percentage Yield |
---|---|---|---|---|---|
3 Months |
Monthly |
3.8320 |
3.90 |
3.8320 |
3.90 |
6 Months* |
Monthly |
3.7354 |
3.80 |
3.7354 |
3.80 |
12 Months |
Monthly |
3.6871 |
3.75 |
3.6871 |
3.75 |
24 Months |
Monthly |
3.3481 |
3.40 |
3.3481 |
3.40 |
36 Months** |
Monthly |
3.1540 |
3.20 |
3.3966 |
3.45 |
48 Months** |
Monthly |
3.481 |
3.40 |
3.5903 |
3.60 |
60 Months** |
Monthly |
3.4451 |
3.50 |
3.6871 |
3.75 |
Rates effective as of: February 18, 2025
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
Consumer Loans
Account | Annual Percentage Rate |
---|---|
Auto Loan* |
5.24 - 18.00% |
Motorcycle & Scooter* |
7.99 - 18.00% |
Recreational Vehicle*
|
7.99 - 18.00% |
Recreational Vehicle*
|
7.99 - 18.00% |
Personal Loan
|
12.99 - 18.00% |
Personal Loan
|
9.99 - 18.00% |
Platinum Credit Card
|
12.99% |
Platinum Credit Card
|
18.00% |
Overdraft Line of Credit |
18.00% |
Share Secured |
5.25% |
Credit Builder |
24 mo. CD + 10.00% |
Certificate of Deposit Secured |
Certificate rate + 3.00% |
Rates effective as of: February 18, 2025
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 5.24% APR, the monthly payment would be $18.98.
Motorcycle Payment Example: For a $10,000 loan with 60-month term payments at 7.99% APR, the monthly payment would be $20.27.
Recreational Vehicle Payment Example: For a $10,000 loan with 60-month term payments at 7.99% APR, the monthly payment would be $20.27.
Recreational Vehicle Payment Example: For a $10,000 loan with 60-month term payments at 7.99% APR, the monthly payment would be $20.27.
**Personal Loan Payment Example: For a $5,000 with a 36-month term payments at 12.99% APR, the monthly payment would be $22.75.
***Personal Loan Payment Example: For a $5,000 with a 36-month term payments at 9.99% APR, the monthly payment would be $21.24.
**** 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.
Home Loans
Account | Term | Interest Rate | APR | Principal and Interest
Payment for $250,000 Loan |
---|---|---|---|---|
Conventional Fixed Rate |
15 yrs. |
6.750% |
7.000% |
$2,212.27 |
Conventional Fixed Rate |
20 yrs. |
6.875% |
7.077% |
$1,919.53 |
Conventional Fixed Rate |
30 yrs. |
7.125% |
7.282% |
$1,684.30 |
3% Down Payment Mortgage* |
30 yrs. |
7.250% |
7.408% |
$1,705.44 |
Fast Track Mortgage* |
10 yrs. |
6.375% |
6.723% |
$2,822.83 |
Fixed Rate Second
|
15 yrs. |
8.00% – 9.38% |
8.13% – 9.45% |
$1,433.48 – $1,555.04 |
Rates effective as of: February 18, 2025
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 $250,000 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 $250,000 is
Please consult a Mortgage Loan Officer for complete details.
*Rates are subject to credit and loan to value. 3% down on a $250,000 mortgage is equal to
Home Equity Line of Credit
Account | Term | Interest Rate |
---|---|---|
Interest-only HELOC
|
10 year draw period, 15 year repayment period |
Prime Rate |
HELOC with 2% Payment Factor
|
5 year draw period, 10 year payback period |
Prime Rate + 3.00% |
Rates effective as of: February 18, 2025
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 $250,000 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.
Home Equity Line of Credit Disclosure
Checking Accounts
Account | Minimum to Open | Term | Minimum to Earn APY* | APY |
---|---|---|---|---|
Preferred Checking |
N/A |
N/A |
$2,500 |
0.00 |
Clear Card |
N/A |
N/A |
N/A |
N/A |
Second Chance Checking |
N/A |
N/A |
N/A |
N/A |
Rates effective as of: February 18, 2025
*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.
Truth in Savings Disclosure
Business Loans
Account | Annual Percentage Rate |
---|---|
Vehicle Loan (Under $50,000)* |
|
Vehicle Loan (Over $50,000)** |
|
Business Credit Card (Purchases)^^ |
|
Business Credit Card (Cash Advance)^^ |
|
Share Secured Business Loans^^^ |
|
Business Signature Loan^^^^ |
|
Rates effective as of: February 18, 2025
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
**Vehicle Loan (Over $50,000) Payment Example: For a $50,000 loan with 60-month term payments a
^^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
^^^^Business Signature Loans Payment Example: For a $10,000 with a 60-month term payments at
Commercial Lines of Credit
Account | Annual Percentage Rate |
---|---|
Real Estate Secured |
|
Rates effective as of: February 18, 2025
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 |
|
5/5 ARM |
|
7/7 ARM |
|
Rates effective as of: February 18, 2025
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 |
|
20 Years |
|
Rates effective as of: February 18, 2025
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.
TRUTH IN SAVINGS DISCLOSURE
Except as specifically described, the following disclosures apply to all the accounts.
- Rate Information. The dividend rate, or interest rate, and annual percentage yield on your accounts are set forth on the reverse side. The annual percentage yield is a percentage rate that reflects the total amount of dividends/interest to be paid on an account based on the dividend/interest rate and frequency of compounding for an annual period. For Certificates of Deposit and IRA Certificates of Deposit, the interest rate and annual percentage yield are fixed and will be in effect for the term of the account. The annual percentage yield is based on an assumption that interest will remain on deposit until maturity. A withdrawal will reduce earnings.
- Nature of Dividends. Dividends are paid from current income and available earnings after providing for the required reserves. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period.
- Compounding and Crediting. Interest and dividends will be compounded and credited as set forth on the reverse side. The dividend/interest period for each account is also set forth on our Rate and Fee Schedule. The dividend/interest period begins on the first calendar day of the period and ends on the last calendar day of the period.
- Balance Information. The minimum balance required to open each account is set forth. Interest is calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day.
- Accrual of Dividends. Dividends will begin to accrue on cash deposits on the business day you make the deposit to your account. Dividends will begin to accrue on noncash deposits (checks) on the business day you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid.
- Account Limitations. The account limitations for each account are set forth in our Membership and Account Agreement
- Your account will mature on the maturity date set forth on your account receipt or renewal notice.
- Early Withdrawal Penalties. A penalty may be imposed if you withdraw any of the certificate funds before the maturity date or the renewal date, if this is a renewal account.
- Amount of Penalty. For Certificates of Deposit and IRA Certificates of Deposit the amount of the early withdrawal penalty for your account is 90 days’ interest for a term of 12 months or less, and 180 days’ interest for a term over 12 months.
- How the Penalty Works. The penalty is calculated as a forfeiture of part or all of the interest that have been earned on the account. This penalty applies to earned interest and principal.
- Renewal Policy. Certificate of Deposit accounts will automatically renew for another term upon maturity. You have a grace period of seven days in which to change or withdraw the funds without being charged an early withdrawal penalty.
- Exception to Early Withdrawal Penalties. At our option, we may redeem the account before maturity without imposing an early withdrawal penalty under the following circumstances:
- When an account owner dies
- or is determined legally incompetent by a court
- or other body of competent jurisdiction.
- Nontransferable / Nonnegotiable. Your account is nontransferable and nonnegotiable. The funds in your account may not be pledged to secure any obligation of an owner except obligations with the Credit Union.
- FEES FOR OVERDRAWN ACCOUNTS. Fees may be imposed on each check, draft item, ATM card withdrawal, debit card withdrawal, debit card point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or payment of a check, draft or item. You may consult the Funds Availability Policy for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approval limit. Please refer to the Rate and Fee Schedule for current fee information.
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