Personal Rates

Deposit Accounts

Effective Date: November 1, 2023
Click here for our Fee Disclosure

Share Savings

typeAPY*Dividend Rate
Regular Share0.05%0.05%

Minimum opening balance $5.00.

Youth Savings

typeAPY*Dividend Rate
Y.E.S Account (Age 0-17)0.05%0.05%

Health Savings Account

typeAPY*Dividend Rate
Health Savings Account (HSA)0.50%0.50%

Miscellaneous Share

typeAPY*Dividend Rate
Holiday Club0.05%0.05%

Life Stage Checking

typeAPY*Dividend Rate
Pro Checking0.25%0.25%

Starter, Smart and Gold Checking Accounts do not earn interest

Money Market Including Business and IRA

tierAPY*Dividend Rate
$0.00 - $2,0005.00% 4.89%
$2,000.01 - $5,0002.59% to 5.00%1.00%
$5,000.01 - $10,0001.67% to 2.59%0.75%
$10,000.01 - $50,0000.73% to 1.67%0.50%
$50,000.01 - $100,0000.62% to 0.73%0.50%
$100,000.01 - $250,0000.55% to 0.62%0.50%
$250,000 and over0.50% to 0.55%0.50%

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.

Jumbo Money Market Including Business and IRA

tierAPY*Dividend Rate
$100,000.00 - $249,999.992.00% 1.98%
$250,000 and over2.25% 2.23%

Earn up to 2.25% APY*, minimum balance $100K. Dividends are paid at tier rates on balances over $100,000 within each tier. Minimum deposit required to open an account is $100,000. If the average daily balance falls below $100,000 during the statement cycle, dividends will not be paid. Membership required.

IRA Share

descriptionAPY*Dividend Rate
Take advantage of tax deferred interest with a Traditional or Roth IRA.0.05%0.05%

Money Grows Here Certificates $500 min.

termAPY*Dividend Rate
7 Months4.75%4.65%
17 Months4.50%4.41%

Limited time offer. *APY = Annual Percentage Yield. The minimum balance to open the 7-month or 17-month certificate and earn the advertised APY is $500. A penalty may be imposed for early withdrawals. At maturity, the 7-month CD will convert to Premier Members’ 6-month regular, fixed-rate CD and the 17-month CD will convert to Premier Members’ 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 Individual Retirement Accounts (IRAs). Rates apply to personal and business accounts only. Membership eligibility required.

Share and IRA Certificates $500 min.

termAPY*Dividend Rate
6 Months3.50%3.45%
12 Months4.00%3.93%
18 Months3.00%2.96%
24 Months3.00%2.96%
36 Months3.00%2.96%
48 Months3.00%2.96%
60 Months3.00%2.96%

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

termAPY*Dividend Rate
6 Months3.60%3.54%
12 Months4.10%4.02%
18 Months3.10%3.06%
24 Months3.10%3.06%
36 Months3.10%3.06%
48 Months3.10%3.06%
60 Months3.10%3.06%

Hand Crafted Mortgage Loans

Your home, sweet home is waiting for you.

Money market accounts

Earn 5.00% APY* on your first $2,000.

Life Stage Checking

Designed for where you are in life – and how you want to bank

Loan Rates

Effective Date: June 1, 2024

Auto Loans

New, Used Autos – 2014 & Newer

6.74%*48 Months
6.74%*66 Months
7.24%*75 Months
7.24%*84 Months

Used Autos – 2013 & Older

8.49%*48 Months
8.49%*66 Months
10.49%*75 Months

Motorcycles – 2014 & Newer

7.59%*66 Months
8.49%*75 Months
9.59%*84 Months

Recreational Vehicles

2019+ Travel Trailers, 5th Wheels, Motorhomes 8.75%*60 Months
2014-2019 Travel Trailers, 5th Wheels, Motorhomes9.25%*60 Months
2019+ Travel Trailers, 5th Wheels, Motorhomes 9.25%*84 Months
2014-2019 Travel Trailers, 5t9.75%*84 Months
2019+ Travel Trailers, 5th Wheels, Motorhomes 9.75%*120 Months
2014-2019 Travel Trailers, 5th Wheels, Motorhomes10.25%*120 Months

Other Secured

2019+ Pop-Campers, Utility/Horse Trailers9.50%*60 Months

Apply Online

Home Equity Loans

Primary Residence Home Equity Line of Credit- Max 80% LTV 9.00%$5,000 - $250,000
Purchase Money Home Equity Line of Credit- Max 80% LTV10.50%$5,000 - $250,000
Non-Owner Occupied (Investment) Home Equity Line of Credit – Max 75% LTV10.00%$5,000 - $100,000
Bridge Home Equity Line of Credit Loan – Max 80% LTV10.00%$5,000 - $250,000

*APR = Annual Percentage Rate. CLTV = Combined Loan to Value. WSJP = Wall Street Journal Prime. Primary Residence, Purchase Money, and Investment Property HELOCS are a variable-rate line of credit with the ability to lock in a rate and term on advances when made. Bridge HELOCs are a variable-rate line of credit that do not have the lock feature and have a balloon payment due at the end of the 12-month period. The rate on the line of credit is subject to change monthly on the 1st day of the month, based on the Wall Street Journal Prime Rate + your qualifying margin. For a HELOC, as of September 1, 2023, WSJP 8.50% + 0.50% margin for a rate of 9.00% with a 740-credit score and 80% CLTV. After the draw period of 10 years, the loan must be repaid over a 20-year amortized repayment period. HELOCs carry 3.75% Floor. The maximum APR is 21%. Locked Rate Margins are added to members existing HELOCs active interest rate. For Locked Rate Option, as of July 30, 2021, qualifying HELOC rate varies from + 0.75% to 2.50% margin. Locked Rate Option floor is 4.50%. PMCU will only consider single family homes as collateral on rental properties (no Condos and Townhouses). Purchase Money HELOCs-1st mortgage held elsewhere carry a $1,500 processing fee + 2.00% Margin added to qualifying product. Bridge HELOCs have a $500 processing fee + 1.50% Margin added to qualifying product. Rates vary based on qualifying credit tiers. Homeowners insurance is required. Property must be in the State of Colorado. Membership required. The max CLTV for Primary Residence, Purchase Money and Bridge HELOCs is 80%, Investment Property HELOCs max 75% CLTV.

Other Loans

Personal/Signature Loan11.25%*36 Months
Personal/Signature Loan13.25%*60 Months
Overdraft Protection13.00%*
Certificate and Share Secured Loans Maturity date of loan to match maturity date of earliest C/D maturity if more than one pledged.8.50%*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 $7,500.

VISA Credit Cards

Platinum Rewards16.40%-21.00%
Platinum Prime14.40%-21.00%
Business Platinum14.40%-21.00%
Credit Builder & Student Credit Builder14.40%-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.
  • 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 June 14th, 2024 @ 08:00AM 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.

Posted rates are subject to loan approval by underwriting.

Actual rates and fees may vary. Rates listed are based on primary residence purchase and refinance transactions only, a loan amount of $400,000 with 75% LTV, a credit score of 740+.

Non occupying co-borrowers ineligible.

Second home transactions not allowed for current posted rates.

Some products may have limited availability. Other restrictions may apply.

*Jumbo rate based on a loan amount of $766,550.

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

termInterest RateOrigination PointsDisc. PointsAPR*
30 Year Fixed6.125%0.001.0006.291%
30 Year Fixed7.0%0.000.0007.078%
20 Year Fixed6.000%0.001.0006.218%
15 Year Fixed5.875%0.001.0006.148%
30 Year Fixed Jumbo6.125%*0.001.0006.264%*
30 due in 15 Year Balloon6.0%0.001.0006.275%
7/6 Year ARM6.00%0.001.0006.763%

Apply Online

  • 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.