Personal Rates

Meet Your Money Market.

Earn 3.00% APY* on your first $2,000.

REAL RETURNS

Free Checking. Simply Better.

No fancy product names. Just handcrafted benefits.

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Handcrafted Mortgage Loans

Your home, sweet home is waiting for you.

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Deposit Accounts

Effective Date: January 1, 2020
Click here for our Truth In Savings Disclosure

Share Savings

type	APY*	Dividend Rate
Regular Share	0.10%	0.10%

Minimum opening balance $5.00.

Youth Savings

type	APY*	Dividend Rate
Y.E.S Account (Age 14-17)	0.10%	0.10%
Rags To Riches Club (under 13)	0.10%	0.10%

hEALTH Savings aCCOUNT

type	APY*	Dividend Rate
Health Savings Account (HSA)	0.10%	0.10%

Miscellaneous Share

type	APY*	Dividend Rate
Holiday Club	0.10%	0.10%

Earn Big Free Checking *

tier	APY*	Dividend Rate
$0.00-$2,000	2.00%	1.98%
$2,000.01-$5,000	1.25% to 2.00%	0.75%
$5,000.01-$10,000	0.82% to 1.25%	0.40%
$10,000.01-$50,000	0.36% to 0.82%	0.25%
$50,000.01-$100,000	0.31% to 0.36%	0.25%
$100,000.01-$250,000	0.24% to 0.31%	0.20%
$250,000 and over	0.20% to 0.24%	0.20%

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	3.00%	2.96%
$2,000.01-$5,000	1.80% to 3.00%	1.00%
$5,000.01-$10,000	1.12% to 1.80%	0.45%
$10,000.01-$50,000	0.46% to 1.12%	0.30%
$50,000.01-$100,000	0.38% to 0.46%	0.30%
$100,000.01-$250,000	0.30% to 0.38%	0.25%
$250,000 and over	0.25% to 0.30%	0.25%

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.	0.10%	0.10%

Share and IRA Certificates $500 min.

term	APY*	Dividend Rate
3 Months	0.65%	0.65%
6 Months	1.10%	1.09%
12 Months	1.35%	1.34%
18 Months	1.65%	1.64%
24 Months	1.75%	1.74%
36 Months	1.85%	1.83%
48 Months	1.90%	1.88%
60 Months	1.95%	1.93%

Pick Your Term Certificates

term	APY*	Dividend Rate
9 Months	1.75%	1.74%
15 Months	1.75%	1.74%

*Limited-time offer. Annual Percentage Yield (APY) is effective 1/1/2020. The minimum balance to open the 15-month or 9-month certificate and earn the advertised APY is $500. Eligible only on new money to the credit union. A penalty may be imposed for early withdrawals. At maturity, the 15-month CD will convert to Premier Member’s 12-month regular and the 9-month CD will convert to Premier Member’s 6-month regular, fixed rate CD and will earn the interest rate for then in effect for such CD. This special rate offer is not available for Individual Retirement Accounts (IRAs). Rates apply to personal and business accounts only. Membership eligibility required. This credit union is federally insured by the National Credit Union Administration.

12 & 24 Month Market-Linked Certificate $2,500 min.

term	APY*	Dividend Rate
12 Months	1.59%	1.58%
24 Months	1.58%	1.57%

*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 for 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.

Jumbo Share Certificates and IRA Certificates $100,000 min.

term	APY*	Dividend Rate
3 Months	0.65%	0.65%
6 Months	1.20%	1.19%
12 Months	1.45%	1.44%
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	2.05%	2.03%

*APY = Annual Percentage Yield
Fees can reduce earnings.
All rates are subject to change daily.
Click here for disclosure information.

Loan Rates

Effective Date: February 1, 2020

Auto Loans

New, Used Autos – 2009 & Newer

APR*	term
4.89%*	66 Months
4.89%*	75 Months
4.89%*	84 Months

Used Autos – 2008 & Older,

APR*	term
5.99%*	66 Months
7.99%*	75 Months

Motorcycles – 2011 & Newer

APR*	term
4.99%*	66 Months
5.99%*	75 Months

Recreational Vehicles

type	APR*	term
Travel Trailers, 5th Wheels, Motorhomes, Pop-up campers	7.00%*	120 Months

Other Secured

type	APR*	term
ATV, Dirt Bike, Trailers, Snowmobiles, Utility Trailers, etc.	8.00%*	60 Months

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Home Equity Loans

type	APR*	amount
Home Equity Line of Credit	4.75%	$5,000 - $250,000
Interest Only Home Equity Line of Credit	4.75%	$5,000 - $250,000

Prime rate as of effective date indicated above was 4.75%. 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.

Second Mortgage Loans (Fixed Rate)

APR*	term
5.75%	5 Years
6.25%	10 Years
6.75%	15 Years

Other Loans

type	APR*	term
Personal/Signature Loan	9.25%*	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	12.65%-21.00%
Platinum Rates	10.65%-21.00%
Business Platinum	10.65%-21.00%
Credit Builder & Student Credit Builder	10.65%-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

Today’s Rates

We offer competitive rates for our mortgage loan programs. Rates are constantly changing, for current rates please contact us.

Rates and terms are subject to change without notice. Interest Rate, APR Calculations and Monthly Payment are based on a $200,000 loan with a loan to value of 75% or less.

Mortgage Rates

term	Interest Rate	Disc. Points	APR*
30 Year Fixed	3.250%	1.000	3.416%
20 Year Fixed	3.125%	1.000	3.341%
15 Year Fixed	2.875%	1.000	3.150%
30 Year Fixed Jumbo	3.250%**	1.000	3.416%**
3/1 Year ARM	4.500%	1.000	4.672%

*Based on an interest rate of 4% a payment amount equals $4.78 per $1,000 for a 30 year term. This amount does not include taxes, insurance or mortgage insurance premiums which, if applicable, will result in a greater payment obligation.

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All rates subject to change without notice
APR = Annual Percentage Rate
Interest Rate, APR Calculations, and Monthly Payment based on following assumptions: $200,000 loan with loan to value of 75% or less and a Credit Score of 740
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. Membership to Premier Members CU is required.
ARM = Adjustable Rate Mortgage
Rates are fixed for the first 3 years and then adjust yearly.
Must be owner occupied. Call for details.