Personal Rates
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Deposit Accounts
Regular Share Savings
Miscellaneous Share Savings
Earn Big Free Checking
Money Market
High-Interest Certificate
Share & IRA Certificates
Youth Savings
IRA Share Savings
Loan Rates
Auto & RV Loans
Home Equity Line-of-Credit
VISA Credit Cards
Personal Loans
Certificate & Share Secured Loans
Overdraft Protection
Mortgage Rates
Deposit Accounts
Effective Date: November 1, 2022
Click here for our Rate and Fee Disclosure
Share Savings
| type | APY* | Dividend Rate |
|---|---|---|
| Regular Share | 0.05% | 0.05% |
Minimum opening balance $5.00.
Youth Savings
| type | APY* | Dividend Rate |
|---|---|---|
| Y.E.S Account (Age 0-17) | 0.05% | 0.05% |
Health Savings Account
| type | APY* | Dividend Rate |
|---|---|---|
| Health Savings Account (HSA) | 0.05% | 0.05% |
Miscellaneous Share
| type | APY* | Dividend Rate |
|---|---|---|
| Holiday Club | 0.05% | 0.05% |
Earn Big Free Checking *
| tier | APY* | Dividend Rate |
|---|---|---|
| $0.00 - $2,000 | 1.00% | 1.00% |
| $2,000.01 - $5,000 | 0.49% to 1.00% | 0.15% |
| $5,000.01 - $10,000 | 0.32% to 0.49% | 0.15% |
| $10,000.01 - $50,000 | 0.14% to 0.32% | 0.10% |
| $50,000.01 - $100,000 | 0.12% to 0.14% | 0.10% |
| $100,000.01 - $250,000 | 0.08% to 0.12% | 0.05% |
| $250,000 and over | 0.05% to 0.08% | 0.05% |
Use our earn big free checking calculator to determine the rate you’ll get with your checking account.
Money Market Including Business and IRA
| tier | APY* | Dividend Rate |
|---|---|---|
| $0.00 - $2,000 | 2.00% | 1.98% |
| $2,000.01 - $5,000 | 1.01% to 2.00% | 0.35% |
| $5,000.01 - $10,000 | 0.68% to 1.01% | 0.35% |
| $10,000.01 - $50,000 | 0.42% to 0.68% | 0.35% |
| $50,000.01 - $100,000 | 0.42% to 0.46% | 0.50% |
| $100,000.01 - $250,000 | 0.46% to 0.63% | 0.75% |
| $250,000 and over | 0.63% to 1.00% | 1.00% |
Earn the best rate on balances up to $2,000 then a blended rate as your deposit amount gets distributed down the different earning tiers. Use our money market calculator to determine the rate you’ll get with your specific deposit amount.
IRA Share
| description | APY* | Dividend Rate |
|---|---|---|
| Take advantage of tax deferred interest with an IRA. | 0.05% | 0.05% |
High Interest Certificate $1000 min. (new money only)
| term | APY* | Dividend Rate |
|---|---|---|
| 14 Months | 4.00% | 3.93% |
Limited time offer. *APY = Annual Percentage Yield. The minimum balance to open the 14-month certificate and earn the advertised APY is $1,000 (new money only). A penalty may be imposed for early withdrawals. At maturity, the 14-month CD will convert to Premier Member’s 12-month regular, fixed rate CD and will earn the prevailing interest rate in effect at time of renewal. This special rate offer is not available for IRAs (Individual Retirement Accounts) or other tax advantage accounts. Rates apply to personal and business accounts only. Membership eligibility required. Offer available to new and existing members — can open in branch or over the phone.
Share and IRA Certificates $500 min.
| term | APY* | Dividend Rate |
|---|---|---|
| 6 Months | 1.60% | 1.59% |
| 12 Months | 1.75% | 1.74% |
| 18 Months | 1.75% | 1.74% |
| 24 Months | 1.85% | 1.83% |
| 36 Months | 1.95% | 1.93% |
| 48 Months | 2.00% | 1.98% |
| 60 Months | 2.10% | 2.08% |
Jumbo Share Certificates and IRA Certificates $100,000 min.
| term | APY* | Dividend Rate |
|---|---|---|
| 6 Months | 1.65% | 1.64% |
| 12 Months | 1.80% | 1.79% |
| 18 Months | 1.85% | 1.79% |
| 24 Months | 1.95% | 1.93% |
| 36 Months | 2.05% | 2.03% |
| 48 Months | 2.10% | 2.08% |
| 60 Months | 2.15% | 2.13% |
- *APY = Annual Percentage Yield
- Fees can reduce earnings.
- All rates are subject to change daily.
- Click here for disclosure information.
Hand Crafted Mortgage Loans
Your home, sweet home is waiting for you.
Money market accounts
Earn 2.00% APY* on your first $2,000.
Free checking. Simply Better.
No fancy product names. Just handcrafted benefits.
Loan Rates
Effective Date: December 1, 2022
Auto Loans
New, Used Autos – 2012 & Newer
| APR* | term |
|---|---|
| 5.49%* | 48 Months |
| 5.99%* | 66 Months |
| 6.49%* | 75 Months |
| 6.49%* | 84 Months |
Used Autos – 2011 & Older
| APR* | term |
|---|---|
| 7.74%* | 66 Months |
| 9.74%* | 75 Months |
Motorcycles – 2012 & Newer
| APR* | term |
|---|---|
| 6.34%* | 66 Months |
| 7.24%* | 75 Months |
Recreational Vehicles
| type | APR* | term |
|---|---|---|
| Travel Trailers, 5th Wheels, Motorhomes, Pop-up campers | 7.75%* | 120 Months |
Other Secured
| type | APR* | term |
|---|---|---|
| ATV, Dirt Bike, Trailers, Snowmobiles, Utility Trailers, etc. | 8.75%* | 60 Months |
Home Equity Loans
| type | APR* | amount |
|---|---|---|
| Home Equity Line of Credit- Interest | 7.00% | $5,000 - $500,000 |
Prime rate as of effective date indicated above was 7.00% . The prime rate is subject to change. Rate may change dependent upon credit qualifications. HELOC rate has a floor of 3.75%. Please ask a credit union representative about current rates which may vary.
Other Loans
| type | APR* | term |
|---|---|---|
| Personal/Signature Loan | 10.25%* | 36 Months |
| Overdraft Protection | 18.00%* | |
| Certificate and Share Secured Loans Maturity date of loan to match maturity date of earliest C/D maturity if more than one pledged. | 4.75%* | 60 Months |
Borrower must have approved credit and limitations may apply. Please consult with a Premier Members CU Loan Officer for more information. Signature loan maximum loan up to $15,000.
VISA Credit Cards
| type | APR* |
|---|---|
| Platinum Rewards | 14.90%-21.00% |
| Platinum Prime | 12.90%-21.00% |
| Business Platinum | 12.90%-21.00% |
| Credit Builder & Student Credit Builder | 12.90%-21.00% |
- *APR = Annual Percentage Rate. APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications. All rates are subject to change daily.
- **Flat Rate
- Click here for disclosure information.
- Borrower must have approved credit and limitations may apply. Please consult with a Premier Members CU Loan Officer for more information.
Mortgage Rates
Rates as of December 01, 2022 @ 8:00AM MST
We offer competitive rates for our mortgage loan programs. Rates are constantly changing, for your personalized rate quote, contact a Mortgage Loan Officer today.
Actual rates and fees may vary. Rates listed are based on primary residence purchase and refinance transactions only, a loan amount of $200,000 with 75% LTV, a credit score of 740+.
Non occupying co-borrowers ineligible.
Second home transactions not allowed for current posted rates.
Other restrictions may apply.
*Jumbo rate based on a loan amount of $647,201.
Adjustable-Rate Mortgage (ARM) interest rate and payments are subject to increase after the initial fixed-rate period (5 years for a 5/6 mo. ARM) and assume a 30-year repayment term.
Mortgage Rates
| term | Interest Rate | Origination Points | Disc. Points | APR* |
|---|---|---|---|---|
| 30 Year Fixed | 5.000% | 0.00 | 1.000 | 5.190% |
| 30 Year Fixed | 5.875% | 0.00 | 0.000 | 5.984% |
| 20 Year Fixed | 4.625% | 0.00 | 1.000 | 4.878% |
| 15 Year Fixed | 4.375% | 0.00 | 1.000 | 4.694% |
| 30 Year Fixed Jumbo | 4.875%* | 0.00 | 1.000 | 5.005%* |
| 5/6 Year ARM | 6.000% | 0.00 | 1.000 | 6.556% |
| 30 due in 15 Year Balloon | 4.625% | 0.00 | 1.000 | 4.853% |
- All rates subject to change without notice
- APR = Annual Percentage Rate
- LTV = Loan-to-Value, meaning the loan amount divided by sales price (or appraised value, whichever is less)
- Loan level price adjustments may apply.
- Mortgage loans are available on properties here in Colorado, Arizona, New Mexico, Wyoming, Montana and Nebraska
- Must be owner occupied.
- Membership to Premier Members CU is required.