Personal Rates
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Deposit Accounts
Regular Share Savings
Miscellaneous Share Savings
Life-Stage Checking
High Yield Savings Account
Money Market
Jumbo Money Market
Share & IRA Certificates
Youth Savings
IRA Share Savings
Health Savings Account
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: January 10, 2025
Click here for our Rate & 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) | 0.50% | 0.50% |
Miscellaneous Share
| type | APY* | Dividend Rate |
|---|---|---|
| Holiday Club | 0.05% | 0.05% |
High Yield Savings Account
| tier | APY* | Dividend Rate |
|---|---|---|
| $0 – $14,999 | 0.10% | 0.10% |
| $15,000 and over | 3.56% | 3.50% |
*APY = Annual Percentage Yield. The Dividend Rate for the High Yield Savings Account is based on the U.S. Prime rate (index) as published in the Wall Street Journal. For balances $15,000 and greater, the Dividend Rate will be no less than the index minus 4.00%. For balances less than $15,000, refer to the Rate Sheet for current rate and Annual Percentage Yield (APY) information. In no case will the account Dividend Rate be less than 0.10%. The Dividend Rate and APY is subject to change at any time without notice. If the U.S. Prime rate (index) changes, rates will be updated on the 1st of the following month. High Yield Savings Account are Tiered Rate accounts. For these accounts, if the average daily balance falls within the range for a particular tier, the Dividend Rate applicable to that tier will apply to the full balance in the account.
Life Stage Checking
| type | APY* | Dividend Rate |
|---|---|---|
| Pro Checking | 0.25% | 0.25% |
Starter, Smart and Gold Checking Accounts do not earn interest
Money Market Including Business and IRA
| tier | APY* | Dividend Rate |
|---|---|---|
| $0.00 - $2,000 | 4.00% | 3.93% |
| $2,000.01 - $5,000 | 1.74% to 4.00% | 0.25% |
| $5,000.01 - $10,000 | 0.99% to 1.74% | 0.25% |
| $10,000.01 - $50,000 | 0.40% to 0.99% | 0.25% |
| $50,000.01 - $100,000 | 0.40% to 0.45% | 0.50% |
| $100,000.01 - $250,000 | 0.45% to 0.63% | 0.75% |
| $250,000 and over | 0.63% to 0.99% | 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
| 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 a Traditional or Roth IRA. | 0.05% | 0.05% |
Share and IRA Certificates $500 min.
| term | APY* | Dividend Rate |
|---|---|---|
| 6 Months | 4.00% | 3.93% |
| 12 Months | 4.00% | 3.93% |
| 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 | 4.11% | 4.03% |
| 12 Months | 4.10% | 4.02% |
| 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 4.00% 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: February 1, 2025
Auto Loans
New, Used Autos – 2015 & Newer
| APR* | term |
|---|---|
| 5.49%* | 48 Months |
| 5.49%* | 66 Months |
| 5.99%* | 75 Months |
| 5.99%* | 84 Months |
Used Autos – 2014 & Older
| APR* | term |
|---|---|
| 7.24%* | 48 Months |
| 7.24%* | 66 Months |
| 9.24%* | 75 Months |
Motorcycles – 2015 & Newer
| APR* | term |
|---|---|
| 7.59%* | 66 Months |
| 8.49%* | 75 Months |
| 9.59%* | 84 Months |
Recreational Vehicles
| type | APR* | term |
|---|---|---|
| 2020+ Travel Trailers, 5th Wheels, Motorhomes | 8.75%* | 60 Months |
| 2015-2019 Travel Trailers, 5th Wheels, Motorhomes | 9.25%* | 60 Months |
| 2020+ Travel Trailers, 5th Wheels, Motorhomes | 9.25%* | 84 Months |
| 2015-2019 Travel Trailers, 5t | 9.75%* | 84 Months |
| 2020+ Travel Trailers, 5th Wheels, Motorhomes | 9.75%* | 120 Months |
| 2015-2019 Travel Trailers, 5th Wheels, Motorhomes | 10.25%* | 120 Months |
Other Secured
| type | APR* | term |
|---|---|---|
| 2020+ 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 | 8.00% | $10,000 - $250,000 |
| Purchase Money Home Equity Line of Credit- Max 80% LTV | 9.50% | $10,000 - $250,000 |
| Non-Owner Occupied (Investment) Home Equity Line of Credit – Max 75% LTV | 9.00% | $10,000 - $100,000 |
| Bridge Home Equity Line of Credit Loan – Max 80% LTV | 9.00% | $10,000 - $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 January 1, 2025, WSJP 7.50% + 0.50% margin for a rate of 8.00% 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
| 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. | 7.50%* | 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
| type | APR* |
|---|---|
| Platinum Rewards | 15.40%-21.00% |
| Platinum Prime | 13.40%-21.00% |
| Business Platinum | 13.40%-21.00% |
| Credit Builder & Student Credit Builder | 13.40%-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 August 19th, 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
| term | Interest Rate | Origination Points | Disc. Points | APR* |
|---|---|---|---|---|
| 30 Year Fixed | 6.125% | 0.00 | 1.0 | 6.291% |
| 30 Year Fixed | 6.50% | 0.00 | 0.000 | 6.573% |
| 20 Year Fixed | 5.75% | 0.00 | 1.000 | 5.965% |
| 15 Year Fixed | 5.50% | 0.00 | 1.000 | 5.767% |
| 30 Year Fixed Jumbo | 6.125%* | 0.00 | 1.000 | 6.264%* |
| 30 due in 15 Year Balloon | 5.625% | 0.00 | 1.000 | 5.894% |
| 7/6 Year ARM | 6.125% | 0.00 | 1.000 | 6.827% |
- 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.