Personal Rates

Deposit Accounts

Effective Date: January 1, 2023
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%

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 - $5,0000.49% 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% 2.00%
$2,000.01 - $5,0001.01% to 2.00%0.35%
$5,000.01 - $10,0000.68% to 1.01%0.35%
$10,000.01 - $50,0000.42% to 0.68%0.35%
$50,000.01 - $100,0000.42% to 0.46%0.50%
$100,000.01 - $250,0000.46% to 0.63%0.75%
$250,000 and over0.63% to 1.00%1.00%

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. Use our jumbo 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%

Big 3 Certificates $500 min.

termAPY*Dividend Rate
7 Months3.93%3.86%
17 Months4.03%3.96%
27 Months4.13%4.05%

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 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 Months1.60%1.59%
12 Months3.25%3.20%
18 Months1.75%1.74%
24 Months2.00%1.98%
36 Months2.00%1.98%
48 Months2.00%1.98%
60 Months3.00%2.96%

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

termAPY*Dividend Rate
6 Months1.70%1.69%
12 Months3.75%3.69%
18 Months1.85%1.83%
24 Months2.10%2.08%
36 Months2.10%2.08%
48 Months2.10%2.08%
60 Months3.10%3.06%

Hand Crafted Mortgage Loans

Your home, sweet home is waiting for you.

Money market accounts

Earn 2.00% APY* on your first $2,000.

Free checking. Simply Better.

No fancy product names. Just handcrafted benefits.

Loan Rates

Effective Date: December 1, 2022

Auto Loans

New, Used Autos – 2012 & Newer

APR*term
5.49%*48 Months
5.99%*66 Months
6.49%*75 Months
6.49%*84 Months

Used Autos – 2011 & Older

APR*term
7.74%*66 Months
9.74%*75 Months

Motorcycles – 2012 & Newer

APR*term
6.34%*66 Months
7.24%*75 Months

Recreational Vehicles

typeAPR*term
Travel Trailers, 5th Wheels, Motorhomes, Pop-up campers 7.75%*120 Months

Other Secured

typeAPR*term
ATV, Dirt Bike, Trailers, Snowmobiles, Utility Trailers, etc. 8.75%*60 Months

Apply Online

Home Equity Loans

typeAPR*amount
Primary Residence - Max CLTV 80%7.50%$5,000 - $500,000
Primary Residence - Max CLTV 85%8.00%$5,000 - $250,000
Purchase Money9.00%$5,000 - $500,000
Non-Owner Occupied (Investment)8.50%$5,000 - $100,000
Bridge on Primary Residence9.00%$5,000 - $500,000

*APR = Annual Percentage Rate. This product is a variable-rate line of credit with the ability to lock in a rate and term on advances when made. 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 January 1, 2023 WSJP 7.50% + 0.50% margin for a rate of 8.00% with a 740 credit score and 85% CLTV. After the draw period of 10 years, the loan must be repaid over a 20-year amortized repayment period. Closing Costs are waived up to $400.00 for all Primary Residence HELOCs. The maximum APR is 21%. Locked Rate Margins are added to members existing HELOCs active interest rate. HELOCs carry 3.75% Floor. For Locked Rate Option, as of July 30, 2021, qualifying HELOC rate varies from + 0.75% to 2.00% 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. Bridge HELOCs, $500 processing fee + 1% 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. 85% MAX CLTV. Bridge HELOCs do not have the lock feature and have a balloon payment at the end of the 12-month period

Other Loans

typeAPR*term
Personal/Signature Loan10.25%*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 15.40%-21.00%
Platinum Prime13.40%-21.00%
Business Platinum13.40%-21.00%
Credit Builder & Student Credit Builder13.40%-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.
  • **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

Rates as of November 15, 2022 @ 12:30PM 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.

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%0.001.0005.444%
30 Year Fixed6.125%0.000.0006.237%
20 Year Fixed4.750%0.001.0005.005%
15 Year Fixed4.625%0.001.0004.948%
30 Year Fixed Jumbo5.125%*0.001.0005.258%*
5/6 Year ARM6.375%0.001.1256.417%
30 due in 15 Year Balloon4.875%0.001.0005.107%

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.