Personal Rates
Meet Your Money Market.
Earn 3.00% APY* on your first $2,000.
Free Checking. Simply Better.
No fancy product names. Just handcrafted benefits.
Handcrafted Mortgage Loans
Your home, sweet home is waiting for you.
Deposit Accounts
Regular Share Savings
Miscellaneous Share Savings
Earn Big Free Checking
Money Market
Share & IRA Certificates
12 & 24 Month Market-Linked Certificate
Youth Savings
IRA Share Savings
Loan Rates
Auto & RV Loans
Home Equity Line-of-Credit
Second Mortgage
VISA Credit Cards
Personal Loans
Certificate & Share Secured Loans
Overdraft Protection
Mortgage Rates
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% |
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: December 1, 2019
Auto Loans
New, Used Autos – 2009 & Newer
| APR* | term |
|---|---|
| 4.89%* | 66 Months |
| 5.09%* | 75 Months |
| 5.94%* | 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 | 6.75%* | 120 Months |
Other Secured
| type | APR* | term |
|---|---|---|
| ATV, Dirt Bike, Trailers, Snowmobiles, Utility Trailers, etc. | 7.75%* | 60 Months |
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 | Origination Points | Disc. Points | APR* |
|---|---|---|---|---|
| 30 Year Fixed | 3.500% | 0.00 | 1.000 | 3.669% |
| 20 Year Fixed | 3.250% | 0.00 | 1.000 | 3.467% |
| 15 Year Fixed | 3.000% | 0.00 | 1.000 | 3.277% |
| 30 Year Fixed Jumbo | 3.500%** | 0.00 | 1.000 | 3.669%** |
| 3/1 Year ARM | 4.500% | 0.00 | 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.
- 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.