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Rates

  • Savings Rates

    Open a Savings Account!

    Rates Effective as of: 03-19-2024

    Share Savings Rates

    ProductMinimum to OpenCompounded/ CreditedMinimum to Earn APYDividend Rate %Annual Percentage Yield (%)
    Share Savings$5.00Monthly$1000.2000.20

    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 Fees

    Truth in Savings Disclosure

    Rates Effective as of: 03-19-2024

    Savings Rates

    ProductMinimum to OpenCompounded/Credited Minimum to Earn APYDividend Rate %Annual Percentage Yield (%)
    Special SavingsN/A Monthly$0.000.2000.20
    Club AccountsN/A Monthly$0.000.2000.20
    Mile High APY*N/A Monthly$0.00 - $5,280.005.1575.28
    Mile High APY*N/A Monthly$5,280.01 & Up0.2000.20
    Non-Profit Reserve Savings** N/A Monthly$50,000.00 - $99,999.992.5702.60
    Non-Profit Reserve Savings**N/A Monthly$100,000.00+ 2.8132.85

    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 Fees

    Truth in Savings Disclosure

    Rates Effective as of: 03-19-2024

    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 - $19,999.991.4901.50
    Tiered Money Market & Business Money MarketN/AMonthly $2,000.00$20,000 - $74,999.991.9822.00
    Tiered Money Market & Business Money MarketN/AMonthly $2,000.00$75,000 - 249,999.992.3742.40
    Tiered Money Market & Business Money MarketN/AMonthly$2,000.00$250,000+2.5702.60
    Health Savings Account, IRA, Roth IRA, SEP IRA & Coverdell ESA Tiered Money MarketN/AMonthly N/ABelow $2,000.000.2000.20
    Health Savings Account, IRA, Roth IRA, SEP IRA & Coverdell ESA Tiered Money MarketN/AMonthly N/A$2,000 - $19,999.991.4901.50
    Health Savings Account, IRA, Roth IRA, SEP IRA & Coverdell ESA Tiered Money MarketN/AMonthly N/A$20,000 - $74,999.991.9822.00
    Health Savings Account, IRA, Roth IRA, SEP IRA & Coverdell ESA Tiered Money MarketN/AMonthly N/A$75,000 - $249,999.992.3742.40
    Health Savings Account, IRA, Roth IRA, SEP IRA & Coverdell ESA Tiered Money MarketN/AMonthlyN/A$250,000+2.5702.60

    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

    Rates Effective as of: 03-19-2024

    Certificates of Deposit (CD)*

    TermCompounded/Credited$100.00+ Dividend Rate (%)$100.00 Annual Percentage Yield (%)$100,000.00+ Dividend Rate (%)$100,000.00 Annual Percentage Yield (%)
    3 MonthsMonthly4.8895.004.8895.00
    6 Months*Monthly4.6024.704.6024.70
    12 MonthsMonthly4.2184.304.2184.30
    24 MonthsMonthly3.8323.903.8323.90
    36 Months**Monthly3.6393.703.8813.95
    48 Months**Monthly3.5423.603.7843.85
    60 Months**Monthly3.4463.503.6883.75

    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

    AccountAnnual Percentage Rate (%)
    Auto Loan*6.69%-18.00%
    Motorcycle & Scooter*7.99%-18.00%
    Recreational Vehicle* (Off road motorcycles, personal watercraft, snow mobiles)7.99%-9.99%
    Recreational Vehicle* (RVs, travel trailers, pop up RVs/trailers)7.99%-18.00%
    Personal Loan (Up to $4,999.99)**12.99% - 18.00%
    Personal Loan ($5,000+)***9.99%-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 Builder24 mo. Certificate of Deposit + 10.00%
    Certificate of Deposit SecuredCertificate 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 6.69% APR, the monthly payment would be $19.66 per $1,000.

    Motorcycle Payment Example: For a $10,000 loan with 60-month term payments at 7.99% APR, the monthly payment would be $20.27 per $1,000.

    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 per $1,000.

    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 per $1,000.

    **Personal Loan Payment Example: For a $5,000 with a 36-month term payments at 12.99% APR, the monthly payment would be $33.68 per $1,000.

    ***Personal Loan Payment Example: For a $5,000 with a 36-month term payments at 9.99% APR, the monthly payment would be $32.26 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.

    Apply for a Mortgage

    Home Loans

    AccountTermInterest RateAPRPrincipal and Interest Payment for $250,000 Loan
    Conventional Fixed Rate 15 yrs.7.2507.327$2,282.16
    Conventional Fixed Rate20 yrs.6.8756.936$1,919.53
    Conventional Fixed Rate30 yrs.7.3757.423$1,726.69
    3% Down Payment Mortgage*30 yrs.7.7507.799$1,791.03
    Fast Track Mortgage*10 yrs.7.1257.232$2,918.84
    Fixed Rate Second Mortgage15 yrs.8.000 - 9.3758.132 - 9.452$1,433.48 - $1,555.04

    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 $50,000.

    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 $7,500. 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: 03-19-2024

    Home Equity Line of Credit

    AccountTermInterest RateAPR
    Interest-only HELOC (higher credit scores)10 yr. draw period, 15 yr paybackPrime Rate: 8.50% as of 3-1-20245.000% floor - 18.000% max
    HELOC with 2% Payment Factor (lower credit scores)5 yr. draw period, 10 yr. payback11.50% 6.000% floor - 18.000% max

    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 Rates

    Learn More About Checking with Zing!

    Rates Effective as of: 03-19-2024

    Checking Accounts

    AccountMinimum to OpenTermMinimum to Earn APY*APY
    Preferred CheckingN/AN/A$2,500.000.00
    Clear CardN/AN/AN/AN/A
    Second Chance CheckingN/AN/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. Fees may reduce earnings.

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

    Truth in Savings Disclosure

  • Business Loan Rates

    Business Loans

    AccountAnnual Percentage Rate (%)
    Vehicle Loan (Under $50,000)*7.49-9.39%
    Vehicle Loan (Over $50,000)**7.99-9.89%
    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 7.49% APR, the monthly payment would be $20.03 per $1,000.

    **Vehicle Loan (Over $50,000) Payment Example: For a $50,000 loan with 60-month term payments a 7.99% APR, the monthly payment would be $20.27 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: 03-19-2024

    Commercial Lines of Credit

    AccountAnnual Percentage Rate (%)
    Real Estate Secured7.25%

    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)

    AccountAnnual Percentage Rate (%)
    3/3 ARM3.75%
    5/5 ARM4.00%
    7/7 ARM4.50%

    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

    TermAnnual Percentage Rate (%)
    15 Years6.25%
    20 Years6.50%

    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.