Personal Rates

Meet Your Money Market.

Earn 2.00% 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: May 1, 2020
Click here for our Truth In Savings 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 14-17)0.05%0.05%
Rags To Riches Club (under 13)0.05%0.05%

hEALTH Savings aCCOUNT

typeAPY*Dividend Rate
Health Savings Account (HSA)0.05%0.05%

Miscellaneous Share

typeAPY*Dividend Rate
Holiday Club0.05%0.05%

Earn Big Free Checking *

tierAPY*Dividend Rate
$0.00-$2,0001.00% 1.00%
$2,000.01-$5,0000.55% to 1.00%0.25%
$5,000.01-$10,0000.40% to 0.55%0.25%
$10,000.01-$50,0000.20% to 0.40%0.15%
$50,000.01-$100,0000.18% to 0.20%0.15%
$100,000.01-$250,0000.10% to 0.18%0.05%
$250,000 and over 0.05% to 0.10%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

tierAPY*Dividend Rate
$0.00-$2,0002.00% 1.98%
$2,000.01-$5,0001.10% to 2.00%0.50%
$5,000.01-$10,0000.72% to 1.10%0.35%
$10,000.01-$50,0000.34% to 0.72%0.25%
$50,000.01-$100,0000.30% to 0.34%0.25%
$100,000.01-$250,0000.21% to 0.30%0.15%
$250,000 and over 0.15% to 0.21%0.15%

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

descriptionAPY*Dividend Rate
Take advantage of tax deferred interest with an IRA.0.05%0.05%

Share and IRA Certificates $500 min.

Featuring New 14 and 30 month certificates

termAPY*Dividend Rate
3 Months0.10%0.10%
6 Months0.35%0.35%
12 Months0.60%0.60%
14 Months1.00%1.00%
18 Months0.64%0.64%
24 Months0.74%0.74%
30 Months1.25%1.24%
36 Months0.84%0.84%
48 Months0.89%0.89%
60 Months0.94%0.94%

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

termAPY*Dividend Rate
3 Months0.10%0.10%
6 Months0.45%0.45%
12 Months0.70%0.70%
18 Months0.74%0.74%
24 Months0.84%0.84%
36 Months0.94%0.94%
48 Months0.99%0.99%
60 Months1.04%1.04%

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

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

Other Secured

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

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Home Equity Loans

typeAPR*amount
Home Equity Line of Credit3.75%$5,000 - $250,000
Interest Only Home Equity Line of Credit3.75%$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

typeAPR*term
Personal/Signature Loan9.25%*36 Months
Overdraft Protection18.00%*
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

typeAPR*
Platinum Rewards 12.15%-21.00%
Platinum Rates10.15%-21.00%
Business Platinum10.15%-21.00%
Credit Builder & Student Credit Builder10.15%-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

termInterest RateOrigination PointsDisc. PointsAPR*
30 Year Fixed3.000%0.001.0003.162%
20 Year Fixed2.750%0.001.0002.961%
15 Year Fixed2.625%0.001.0002.897%
30 Year Fixed Jumbo3.000%**0.001.0003.162%**
3/1 Year ARM4.500%0.001.0004.672%

*Based on an interest rate of 3% a payment amount equals $4.22 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. Loan level price adjustments may apply. Premier Members will credit the borrower $3,000 against a conventional purchase mortgage loan. Down payment assistance programs and mortgage refinances excluded. Lender credit will be applied towards closing costs or prepaids. 

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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.