Savings Rates and Loan Rates

Rates Effective: November 15, 2011*

*Rates are subject to change without notice, after this date.

Yield Plus (Money Market)

Yield Plus (Money Market Checking)

Certificate of Deposit (CD's)
Share Certificates ($500 minimum); Traditional IRA ($500 minimum), Roth IRA ($500 minimum) & Education IRA ($400 minimum) Certificates

Certificate rates are subject to change daily. The minimum certificate purchase is $500.00 for Non-IRA, Traditional and Roth IRAs and $400.00 for Education IRAs. An additional $100.00 must be maintained in the Regular Share Account or the applicable IRA Share Account during the entire term of the certificate. Dividends on all regular and IRA certificates are compounded within the certificate each month. The early withdrawal penalty for certificates of one year or less original maturity is all earned dividends up to a maximum of 3 months earnings. For certificates with original maturities longer than one year, the early withdrawal penalty is all dividends earned up to a maximum of 6 months earnings. Notice: Dividends are based on the credit union's earnings at the end of a dividend period and cannot be guaranteed.

Visa Card Rates

The method for computing the balance for purchases is the average daily balance including new purchases. Because rates and terms are subject to change, you may contact us for the most current information by writing us at PO Box 547, Arvada CO 80001 or by calling us at 303-424-5037.Annual Percentage Rate for Cash Advances is as follows: Visa Classic 15.95% (Fixed) Visa Classic "Choice" 13.95% (Fixed) , Visa Gold 7.70% (Variable) Visa Gold "Choice" 5.70%.** Variable Rate Information. Your Annual Percentage Rate may vary. The rate is determined by adding a percentage (as indicated below) to the highest Prime Rate as published in the Money Rates Section of the Wall Street Journal and rounded to the nearest hundredth. The Visa Gold Rate for Purchases - Prime + 4.45%, for Cash Advance - Prime + 6.45%.Visa Gold "Choice" Rate for Purchases - Prime + 2.45%, for Cash Advances - Prime + 4.45%.***A Finance charge will imposed on Credit Purchases only if elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 Days from the closing date on that statement. A Finance Charge will be assessed on Cash Advances from the date of the Cash Advance, or the first day of the billing cycle in which the Cash Advance posted, which ever is later, and will continue to accrue interest until payment in full is made. Late payment fee is $15.00.

Personalized Lending Rates

Loan rates are based on monthly income, stability of employment, credit history, current financial obligations and collateral offered. Rates shown are standard rates, as low as with approved credit.

Home Equity and Second Mortgage Loans

Loans Not Included in Personalized Lending

* APR - Annual Percentage Rate