Personal Rates
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Regular Share Savings
Miscellaneous Share Savings
Earn Big Free Checking
Money Market
Jumbo Money Market
Share & IRA Certificates
Youth Savings
IRA Share Savings
Tax Time Certificates
Loan Rates
Auto & RV Loans
Home Equity Line-of-Credit
VISA Credit Cards
Personal Loans
Certificate & Share Secured Loans
Overdraft Protection
Mortgage Rates
Deposit Accounts
Effective Date: April 1, 2023
Click here for our Rate and Fee Disclosure
Share Savings
| type | APY* | Dividend Rate |
|---|---|---|
| Regular Share | 0.05% | 0.05% |
Minimum opening balance $5.00.
Youth Savings
| type | APY* | Dividend Rate |
|---|---|---|
| Y.E.S Account (Age 0-17) | 0.05% | 0.05% |
Health Savings Account
| type | APY* | Dividend Rate |
|---|---|---|
| Health Savings Account (HSA) | 0.05% | 0.05% |
Miscellaneous Share
| type | APY* | Dividend Rate |
|---|---|---|
| Holiday Club | 0.05% | 0.05% |
Earn Big Free Checking *
| tier | APY* | Dividend Rate |
|---|---|---|
| $0.00 - $2,000 | 1.00% | 1.00% |
| $2,000.01 - $5,000 | 0.49% to 1.00% | 0.15% |
| $5,000.01 - $10,000 | 0.32% to 0.49% | 0.15% |
| $10,000.01 - $50,000 | 0.14% to 0.32% | 0.10% |
| $50,000.01 - $100,000 | 0.12% to 0.14% | 0.10% |
| $100,000.01 - $250,000 | 0.08% to 0.12% | 0.05% |
| $250,000 and over | 0.05% 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
| tier | APY* | Dividend Rate |
|---|---|---|
| $0.00 - $2,000 | 5.00% | 4.89% |
| $2,000.01 - $5,000 | 2.59% to 5.00% | 1.00% |
| $5,000.01 - $10,000 | 1.67% to 2.59% | 0.75% |
| $10,000.01 - $50,000 | 0.73% to 1.67% | 0.50% |
| $50,000.01 - $100,000 | 0.62% to 0.73% | 0.50% |
| $100,000.01 - $250,000 | 0.55% to 0.62% | 0.50% |
| $250,000 and over | 0.50% 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
| tier | APY* | Dividend Rate |
|---|---|---|
| $100,000.00 - $249,999.99 | 2.00% | 1.98% |
| $250,000 and over | 2.25% | 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
| description | APY* | Dividend Rate |
|---|---|---|
| Take advantage of tax deferred interest with an IRA. | 0.05% | 0.05% |
Summer Certificate Offer $500 min.
| term | APY* | Dividend Rate |
|---|---|---|
| 7 Months | 4.35% | 4.27% |
| 17 Months | 4.85% | 4.75% |
*APY = Annual Percentage Yield. Limited-time offer. The minimum balance to open the 7-month certificate and earn the advertised 4.35% APY is $500. The minimum balance to open the 17-month certificate and earn the advertised 4.85% APY is $500. A penalty may be imposed for early withdrawals. At renewal, the 7-month certificate will automatically renew as a 6-month certificate at prevailing rates and fees. At renewal, the 17-month certificate will automatically renew as a 24-month certificate at prevailing rates and fees. This special rate offer is not available for Individual Retirement Accounts (IRAs). Rates apply to personal and business accounts only. Membership eligibility required. This credit union is federally insured by the National Credit Union Administration.
Share and IRA Certificates $500 min.
| term | APY* | Dividend Rate |
|---|---|---|
| 6 Months | 2.50% | 2.47% |
| 12 Months | 3.00% | 2.96% |
| 18 Months | 3.00% | 2.96% |
| 24 Months | 3.00% | 2.96% |
| 36 Months | 3.00% | 2.96% |
| 48 Months | 3.00% | 2.96% |
| 60 Months | 3.00% | 2.96% |
Jumbo Share Certificates and IRA Certificates $100,000 min.
| term | APY* | Dividend Rate |
|---|---|---|
| 6 Months | 2.60% | 2.57% |
| 12 Months | 3.10% | 3.06% |
| 18 Months | 3.10% | 3.06% |
| 24 Months | 3.10% | 3.06% |
| 36 Months | 3.10% | 3.06% |
| 48 Months | 3.10% | 3.06% |
| 60 Months | 3.10% | 3.06% |
- *APY = Annual Percentage Yield
- Fees can reduce earnings.
- All rates are subject to change daily.
- Click here for disclosure information.
Hand Crafted Mortgage Loans
Your home, sweet home is waiting for you.
Money market accounts
Earn 5.00% APY* on your first $2,000.
Free checking. Simply Better.
No fancy product names. Just handcrafted benefits.
Loan Rates
Effective Date: June 1, 2023
Auto Loans
New, Used Autos – 2013 & Newer
| APR* | term |
|---|---|
| 7.74%* | 48 Months |
| 8.24%* | 66 Months |
| 8.74%* | 75 Months |
| 8.74%* | 84 Months |
Used Autos – 2012 & Older
| APR* | term |
|---|---|
| 9.74%* | 48 Months |
| 9.99%* | 66 Months |
| 11.99%* | 75 Months |
Motorcycles – 2013 & Newer
| APR* | term |
|---|---|
| 7.59%* | 66 Months |
| 8.49%* | 75 Months |
| 9.59%* | 84 Months |
Recreational Vehicles
| type | APR* | term |
|---|---|---|
| 2018+ Travel Trailers, 5th Wheels, Motorhomes | 8.75%* | 60 Months |
| 2013-2018 Travel Trailers, 5th Wheels, Motorhomes | 9.25%* | 60 Months |
| 2018+ Travel Trailers, 5th Wheels, Motorhomes | 9.25%* | 84 Months |
| 2013-2018 Travel Trailers, 5th Wheels, Motorhomes | 9.75%* | 84 Months |
| 2018+ Travel Trailers, 5th Wheels, Motorhomes | 9.75%* | 120 Months |
| 2013-2018 Travel Trailers, 5th Wheels, Motorhomes | 10.25%* | 120 Months |
Other Secured
| type | APR* | term |
|---|---|---|
| 2018+ Pop-Campers, Utility/Horse Trailers | 9.50%* | 60 Months |
Home Equity Loans
| type | APR* | amount |
|---|---|---|
| Primary Residence Home Equity Line of Credit- Max 80% LTV | 6.74% | $5,000 - $500,000 |
| Primary Residence Home Equity Line of Credit – Max 85% LTV | 8.24% | $5,000 - $250,000 |
| Purchase Money Home Equity Line of Credit- Max 85% LTV | 9.75% | $5,000 - $500,000 |
| Non-Owner Occupied (Investment) Home Equity Line of Credit – Max 75% LTV | 9.25% | $5,000 - $100,000 |
| Bridge Home Equity Line of Credit Loan – Max 80% LTV | 9.25% | $5,000 - $500,000 |
*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. As of June 1, 2023, the introductory APR for a Primary Residence HELOC with a 740 credit score and max 80% CLTV is 8.25% – 1.51% for a rate of 6.74%. The introductory rate for a Primary Residence HELOC with a 740 credit score and max 85% CLTV is 8.75% -0.51% for a rate of 8.24%. Introductory rates vary based on qualifying credit tiers. The introductory rate will increase to your qualifying variable-rate at the end of the 12-month introductory 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 June 1, 2023, WSJP 8.25% + 0.50% margin for a rate of 8.75% 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. 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 2.00% margin. Locked Rate Option floor is 4.50%. PMCU will only consider single family homes as collateral on rental properties (no Condos and Townhouses). Closing Costs are waived up to $400 for all Primary Residence HELOCs. Purchase Money HELOCs-1st mortgage held elsewhere carry a $1,500 processing fee. Bridge HELOCs have a $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. The max CLTV for Primary Residence and Purchase Money HELOCs 85%, Investment Property HELOCs max 75% CLTV, Bridge HELOCs max 80% CLTV.
Other Loans
| type | APR* | term |
|---|---|---|
| Personal/Signature Loan | 11.25%* | 36 Months |
| Personal/Signature Loan | 13.25%* | 60 Months |
| Overdraft Protection | 13.00%* | |
| Certificate and Share Secured Loans Maturity date of loan to match maturity date of earliest C/D maturity if more than one pledged. | 8.25%* | 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 | 16.15%-21.00% |
| Platinum Prime | 14.15%-21.00% |
| Business Platinum | 14.15%-21.00% |
| Credit Builder & Student Credit Builder | 14.15%-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
Rates as of May 23rd, 2023 @ 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.
Actual rates and fees may vary. Rates listed are based on primary residence purchase and refinance transactions only, a loan amount of $200,000 with 75% LTV, a credit score of 740+.
Non occupying co-borrowers ineligible.
Second home transactions not allowed for current posted rates.
Other restrictions may apply.
*Jumbo rate based on a loan amount of $726,201.
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
| term | Interest Rate | Origination Points | Disc. Points | APR* |
|---|---|---|---|---|
| 30 Year Fixed | 6.875% | 0.00 | 1.000 | 7.096% |
| 30 Year Fixed | 7.250% | 0.00 | 0.000 | 7.375% |
| 20 Year Fixed | 6.500% | 0.00 | 1.000 | 6.783% |
| 15 Year Fixed | 6.125% | 0.00 | 1.000 | 6.472% |
| 30 Year Fixed Jumbo | 6.750%* | 0.00 | 1.000 | 6.900%* |
- 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.