Personal Rates

Meet Your Money Market.

Earn 2.00% 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

Effective Date: July 1, 2022
Click here for our Rate and 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%


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 - $5,0000.49% to 1.00%0.15%
$5,000.01 - $10,0000.32% to 0.49%0.15%
$10,000.01 - $50,0000.14% to 0.32%0.10%
$50,000.01 - $100,0000.12% to 0.14%0.10%
$100,000.01 - $250,0000.08% to 0.12%0.05%
$250,000 and over0.05% 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

tierAPY*Dividend Rate
$0.00 - $2,0002.00% 1.98%
$2,000.01 - $5,0001.01% to 2.00%0.35%
$5,000.01 - $10,0000.63% to 1.01%0.25%
$10,000.01 - $50,0000.29% to 0.63%0.20%
$50,000.01 - $100,0000.22% to 0.29%0.15%
$100,000.01 - $250,0000.15% to 0.22%0.10%
$250,000 and over0.10% to 0.15%0.10%

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%


Lucky 7s Certificates $500 min.

termAPY*Dividend Rate
7 Months2.07%2.07%
17 Months2.57%2.57%
27 Months2.77%2.77%

Limited time offer. *APY = Annual Percentage Yield. The minimum balance to open the 7-month, 17-month or 27-month certificate and earn the advertised APY is $500. A penalty may be imposed for early withdrawals. At maturity, 7-month CD will convert to Premier Member’s 6-month regular, the 17-month CD will convert to Premier Member’s 12-month regular and the 27-month CD will convert to Premier Member’s 24-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 Months0.15%0.15%
12 Months0.30%0.30%
18 Months0.30%0.30%
24 Months0.40%0.40%
36 Months0.50%0.50%
48 Months0.55%0.55%
60 Months0.65%0.65%

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

termAPY*Dividend Rate
6 Months0.20%0.20%
12 Months0.35%0.35%
18 Months0.40%0.40%
24 Months0.50%0.50%
36 Months0.60%0.60%
48 Months0.65%0.65%
60 Months0.70%0.70%

Loan Rates

Effective Date: July 1, 2022

Auto Loans

New, Used Autos – 2012 & Newer

3.99%*66 Months
4.99%*75 Months
4.99%*84 Months

Used Autos – 2011 & Older

6.24%*66 Months
8.24%*75 Months

Motorcycles – 2012 & Newer

5.84%*66 Months
6.74%*75 Months

Recreational Vehicles

Travel Trailers, 5th Wheels, Motorhomes, Pop-up campers 7.25%*120 Months

Other Secured

ATV, Dirt Bike, Trailers, Snowmobiles, Utility Trailers, etc. 8.25%*60 Months


Home Equity Loans

Home Equity Line of Credit- Interest4.75%$5,000 - $500,000

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.

Other Loans

Personal/Signature Loan9.75%*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

Platinum Rewards 12.65%-21.00%
Platinum Prime10.65%-21.00%
Business Platinum10.65%-21.00%
Credit Builder & Student Credit Builder10.65%-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 07/19/2022

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 a loan amount of $200,000 with 75% LTV, a credit score of 740+, and a no cash-out refinance.

*Jumbo rate based on a loan amount of $647,200.

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 Fixed5.250%0.001.1255.456%
30 Year Fixed5.625%0.000.0005.732%
20 Year Fixed4.750%0.001.0005.005%
15 Year Fixed4.500%*0.001.0004.821%*
30 Year Fixed Jumbo5.250%0.001.0005.384%
5/6 Year ARM4.875%0.001.5003.820%
30 due in 15 Year Balloon4.750%0.001.0004.980%


  • 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.