Savings Accounts

Premier Members Credit Union offers a variety of savings and deposit accounts for every need.

Deposit Accounts

Market-Linked Certificates

Get a sizable rate with our Market-Linked 12 and 24-Month Certificates. With just $2,500 to get started, you’ll be well on your way, watching your savings grow.

Okay, so we used the word “sizable”, instead of an actual rate. You’re probably wondering why. Our Market-Linked Certificates aren’t the typical certificate of deposit. Those are usually a fixed rate. But this one isn’t, instead it’s a variable rate, which means it can change throughout the term.

Why a variable rate? We’re glad you asked! Today, we’re in a rising rate environment, so we want you to be able to take advantage of the changing market rates. Unlike a fixed rate certificate, your rate will adjust quarterly based on the 12 and 24-month US Daily Treasury Yield Curve Rates, but don’t worry, it will never go below 1.15% / 1.45% APY* respectively. This quarter’s rates:

12 Month – 2.62% APY
24 Month – 2.85% APY

At the end of each quarter – we’ll lock in the rate for the next quarter.

Over the past four quarters, the rates have been on the rise:

12 Month Term

Quarter APY Dividend Rate
Q3 2018 2.35% 2.33%
Q2 2018 2.09% 2.07%
Q1 2018 1.77% 1.76%
Q4 2017 1.32% 1.31%

24 Month Term

Quarter APY Dividend Rate
Q3 2018 2.55% 2.52%
Q2 2018 2.27% 2.25%
Q1 2018 1.91% 1.89%
Q4 2017 1.48% 1.47%

Market-Linked Certificate Graph

How the Market-Linked Certificates Work:

  1. Determine how much you want to put into the certificate. The minimum is $2,500 and there is no maximum!
  2.  Choose either a 12 or 24 -months term.
  3. This quarter, you’ll earn 2.62% APY on a 12-month and 2.85% APY on a 24-month.
  4. At the end of each quarter, we’ll lock in your rate for the upcoming quarter, and so on.
  5. Your dividends will post to your account monthly.
  6. At the end of your certificate term, you don’t have to do a thing if you don’t want to! Your certificate will automatically renew into our regular 12 or 24-month, fixed-rate certificate.


Open in-branch, over the phone or online!

Opening your account online?

If you opened your new certificate online and would like to add additional funds, you have 10 calendar days to do so using one of the following options:

  • Visit one of our convenient branch locations.
  • Mail a check to: 5505 Arapahoe Ave. Boulder CO 80303 – Check should be payable to yourself and should have your account number on it.
  • You can also submit the funds through a wire transfer – visit our wire transfer page to learn more.

Contact us at 303.657.7000 for additional questions.

Open An Account

*Limited-time offer. APY = Annual Percentage Yield. The minimum balance to open the 12-month or 24-month certificate and earn the advertised APY is $2,500. Eligible only on new money to the credit union. The APY adjusts quarterly for the term of the certificate assuming the account balance remains above the minimum for the full term. A penalty may be imposed for early withdrawals. At maturity, the 12-month CD will convert to Premier Member’s 12-month regular, fixed rate CD and will earn the interest rate then in effect for such CD. The 24-month CD will convert to Premier Member’s 24-month regular, fixed rate CD and will earn the interest rate then in effect for such CD. This special rate offer is not available for IRAs (Individual Retirement Accounts). Rates apply to personal and business accounts only and are subject to change. Membership eligibility required. This credit union is federally insured by the National Credit Union Administration.

Share Certificates

Features & Benefits

  • Lock in a competitive rate for terms from 3 months to 5 years

Contact Us    Current Rates

Money Market Accounts

A high-yield deposit account with the most flexibility

Features & Benefits

  • Earn higher dividends and still maintain flexibility
  • Earns competitive dividends the more you save the more you earn
  • Access by check, online, or at any of our conveniently located branches

Open An Account    Current Rates

IRA Accounts

Features & Benefits

  • Traditional or Roth IRAs for every members IRA needs
  • Earnings may be tax deferred
  • Earns competitive dividends
  • No monthly fees
  • No minimum balance required on IRA Savings. IRA Certificate requires $500 minimum.

Share Savings

Membership Share Savings Account

Our required membership account that qualifies you to take advantage of all other products and services.

  • $5 minimum deposit to open
  • Pays competitive dividends
  • Easy access online or at any branch

Open An Account    Current Rates

Club Accounts

Holiday Club

Savings accounts designed for specific savings goals such as saving for a vacation, etc.

Features & Benefits

  • Holidays, vacations, or taxes
  • Pays competitive dividends

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Youth Accounts

Rags to Riches Savings Club (Ages 13 and under)

Accounts specially designed to help younger members learn and save

Features & Benefits

  • Helps teach children the value of savings
  • Pays high dividends with no minimum balance
  • Kids earn prizes by saving

Open An Account    Current Rates

Young Educated Savers (Ages 14-17)

Accounts to help teens save for their future

Features & Benefits

  • Helps teach teens the value of savings
  • Pays high dividends
  • Scholarship Opportunities

Open An Account    Current Rates

Opening an account is fast, secure and easy!

Open an account online, by calling 303.657.7000 or at your nearest branch.

Your Savings is Insured
NCUA LogoThe money you place in your credit union account is federally insured up to $250,000 by the National Credit Union Administration (NCUA), the strongest government insurance fund in the country.

Limitations On Withdrawals
For more information on federal limitations regarding withdrawals visit our Disclosures Page for documentation on Regulation D.