Disclosures

Account Agreement Booklet
This is an overview of all account policies related to a Partner Colorado membership. Please reference to this for full details pertaining to privacy, hold policy, membership requirements, etc. Click here to read the Account Agreement booklet.

To read full disclosure, click here.

Auto Loan Disclosures
Certain conditions and restrictions may apply.  All loans subject to credit and income verification.  Final rate determined from credit and income verification.

Certificate of Deposit & Money Market Disclosures
Must deposit a minimum amount to open certificate of deposit.  A penalty may apply if a withdrawal is completed prior to maturity date.  IRA savings and certificate of deposits may be subject to additional withdrawal penalties.  Money Market requires a minimum $1,000 or a $10 monthly charge may apply.

Credit Card Disclosures
Certain conditions and restrictions may apply.  All loans subject to credit and income verification.  VISA Platinum Variable Annual Percentage Rate (APR) is between  9.00%-17.00% APR and will vary based on the prime rate. VISA Platinum Secured Variable will be 7.25% APR and will vary based on the prime rate; VISA Platinum-Fixed will range from 8.90% - 13.90% APR. Rates are subject to change at anytime. Secured cards are 100% secured against share savings. There is no grace period for balance transfers made to your credit card. Late payment fee: If your payment is more than ten days late, you will be charged the lesser of a. the amount of the minimum payment due b. $15 dollars. 51% cash back rebate subject to member credit approval. Certain conditions and restrictions may apply. Federally insured by NCUA.

High Interest Checking Disclosures
¹3.00% Annual Percentage Yield (APY) displayed is paid on average daily balances up to $10,000, .50% APY between $10,001-$25,000 and .10% APY on remaining balance and/or non-qualifying accounts. Rate is valid as of 10/01/15, rates are subject to change without giving notice.

Monthly fee will go up if Identity Theft Recovery Protection is added to the account. Non-qualifying High Interest Checking accounts will be assessed a monthly fee, see fee schedule for all applicable fees.

To qualify for High Interest Checking member must meet the following three (3) requirements: (1) complete twenty (20) signature based debit card transactions ($5 minimum per transaction) during the month, (2) utilize e-statements and (3) use Online or Mobile Banking with a valid e-mail address.  Federally insured   by NCUA.  

Home Equity Line of Credit Disclosures
Certain conditions and restrictions may apply. Colorado owner-occupied properties only. All loan approvals are based on credit worthiness to determine final rate. Lowest Variable Annual Percentage Rate (APR) is 3.25%  and highest rate is 7.25% APR, which is prime+ 0% – prime + 4.00%. Rates are subject to change weekly without giving notice. Minimum credit line and draw of $5,000 or more required. An up front appraisal fee of $450.00 may be required at member expense. Partner Colorado Credit Union is an Equal Housing Lender. Federally insured by NCUA.

Identity Recovery Services
Services will be extended to account holders at the discretion of Partner Colorado Credit Union and may be canceled upon 30 days notice to the account holder.  Services extend to all named account holders, their spouse or domestic partner, dependents up to age 25 with the same permanent residence address as the account holder, including students and military, and parents of the account holder living at the same address as the account holder, or living in hospice, assisted living, nursing home or deceased for 12 months or less.  Benefits have no cash equivalent, are non-transferable, and non-cancelable (except in the event of termination of the Group Plan.) Provider Services do not cover financial losses of any kind arising from the identity theft.  Eligibility for recovery services is based on ID theft events that are discovered and reported to Partner Colorado Credit Union on or after the effective date of the group program.  Identity Theft is defined as fraud that involves the use of a consumer’s name, address, social security number, bank or credit/debit card account number, or other identifying information without the knowledge of the consumer, and such information is used to commit fraud or other crimes.

Recovery Services may be refused or terminated if it is deemed that the account holder or eligible family member is committing fraud or other illegal acts, making untrue statements, or failing to perform his/her portion of the recovery plan. Services will not be refused or terminated due to the complexity of a case.  Partner Colorado Credit Union and/or its service provider of the identity theft services cannot be held responsible for failure to provide or for delay in providing services when such failure or delay is caused by conditions beyond its control.  This service does not provide credit counseling or repair to credit which legitimately belongs to the account holder or eligible family member.  Services are only available to residents of the United States.  Identity recovery is only performed with agencies and institutions in the United States, or territories where U.S. law applies.  Services are provided by Merchants Information Solutions, Inc., www.merchants info.com or an alternate Services Provider selected at the sole discretion of Partner Colorado Credit Union.
 
E-Sign Disclosure and Consent

This Online Banking E-Sign Disclosure and Consent (“Disclosure”) applies to all Communications for those products, services and Accounts offered or accessible through Online Banking that are not otherwise governed by the terms and conditions of an electronic disclosure and consent. PLEASE NOTE: Consenting to receive Communications under this Disclosure will not automatically enroll you in e-Statements.

To read the full disclosure, click here.

Investment Services Disclosures
Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Adviser. Products offered through CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of Partner Colorado Credit Union, and may involve investment risk including possible loss of principal.  Investment Representatives are registered through CFS, Partner Colorado has contracted with CFS to make non-deposit investment products and services available to credit union members.  For specific tax advice, consult a qualified tax adviser.

Members Choice Checking Disclosures
Certain conditions and restrictions may apply for individual products types. *Cash back only applies to eligible debit transactions per quarter, percentage subject to change at anytime. Point of Sale (PIN based) transactions are not eligible. Members Choice Checking must be open and active at time of quarterly payout. **Members are responsible for any surcharge fee that applies from other financial institution ATM's.

Mobile Banking Terms and Conditions
*All members must qualify through Partner Colorado's Remote Deposit Capture (RDC) eligibility guidelines and must agree to Terms and Conditions Agreement prior to using the service.  Membership must be open for 30 days, member must be in good standing and membership must have qualified account.  Review official terms and agreements for Item Eligibility, Deposit Deadlines, Funds Available, Transaction Limits, Member Responsibility and Error Resolution and Returned items for full details.  Partner Colorado reserves the right to deny service to any member at any time.  Funds may be held on a case-by-case basis, as mobile deposited are not subject to Federal Regulation CC.  Must download mobile banking app to use on iPad.  Other conditions and restrictions may apply. Standard carrier data charges apply.

 

View the Mobile Deposit Capture Terms and Conditions.  

Mortgage Loan Disclosures
Certain conditions and restrictions may apply.  All loans subject to credit and income verification.  Final rate determined from credit and income verification.

*Loan approval, Annual Percentage Rate (APR), and down payment required based on credit worthiness, amount financed, loan to value and ability to repay.  All loans may not be approved if requirements are not met.  Certain conditions and restrictions apply.  **Applicant must qualify under Federal Housing Administration eligibility guidelines and requirements and must also credit qualify.  ^Applicants who apply for a VA loan must meet the Veterans Administration eligibility guidelines and requirements and must credit qualify.

Online Banking and Electronic Services Agreement 
This Agreement is the contract which covers your and our rights and responsibilities concerning Partner Colorado Online Electronic/PC Access ("Partner Colorado Online") services offered to you by Partner Colorado Credit Union ("Credit Union"). In this Agreement, the words "you" and "yours" mean those who use Partner Colorado Online and any other authorized users. The word "account" means any one or more share accounts you have with the Credit Union. By accepting the Partner Colorado Online Agreement & Disclosures, you agree to the following terms governing your and our rights and responsibilities concerning the Partner Colorado Online electronic funds transfer services. Electronic funds transfers ("EFTs") are electronically initiated transactions through Partner Colorado Online and Bill Payment transactions involving your deposit or loan accounts. 

View the full Online Banking and Electronic Services Agreement.

Privacy Policy
Financial companies choose how they share your personal information.  Federal law gives consumers the right to limit some but not all sharing.  Federal law also requires us to tell you how we collect, share, and protect your personal information. 

Please read this notice carefully to understand what we do.

Social Media Disclosures 
Partner Colorado Credit Union sponsors select pages on social media outlets that include, but are not limited to, Facebook, Twitter. We participate as a way to interact with a community of people interested in discussing topics pertinent to Partner Colorado's products, services and members. Please understand that non-Partner Colorado postings to Partner Colorado sponsored pages are not representative of the opinions of Partner Colorado Credit Union. Nor does Partner Colorado confirm the accuracy of content posted by other users.

Do not include personal or account information in posts or private messages. Partner Colorado will never ask for your Social Security number, account information, passwords or PINs via social outlets or email. We may also direct you to call a Contact Center Representative to provide further assistance and the best member service.

Partner Colorado is not affiliated, nor responsible, for the security, privacy or any other operations of the social media outlet or service or third party applications and advertising that may be connected to or linked to by them. We discourage clicking on links posted by other users, as these links may pose risk to your computer or take you to inappropriate sites. We do not compensate for suggestions or ideas posted on Partner Colorado sponsored pages and we reserve the right to remove postings that are:

  • Abusive, defamatory, or obscene
  • Fraudulent, deceptive or misleading
  • In violation of any intellectual property right of another
  • In violation of any law or regulation
  • Promoting or advertising a business, service or entity unrelated to Partner Colorado Credit Union
  • Otherwise inappropriate

Refer to the specific social media site outlet regarding their privacy and security policies.


 

 
 
 
 
 
 
 
 
Spanish translations of disclosures and materials, if provided, are provided as a courtesy. In the event of any discrepancy between the English version and the Spanish version of any disclosure or material that has been provided, the English version will control and supersede any Spanish version for all purposes including legal purposes. Subsequent disclosures and materials may be provided to the member in English only. If any disclosures or materials are provided in English only, and if you do not understand the English version that has been provided, it is your sole responsibility to obtain a translation.