Apply for a Loan
Fall Insights Newsletter
A Publication for Partner Colorado Members: Fall 2025
With Credit Card Rates This Sweet, There's No Need for Tricks!
Looking at credit card interest rates can feel haunting, but the only thing scary about Partner Colorado’s credit card is how low our rates are! We figured you’d have enough tricks this Halloween, so we wanted to give you a treat! Enjoy 0% APR* until 2027 when you open a Partner Colorado credit card.
See why our cards are so sweet:
• 0% APR* until 2027 on purchases and balance transfers
• No annual fee
• Zero fraud liability—you’re protected against fraud if your card is lost, misplaced or stolen
• More buying power with our generous credit limits
• Rewards available on most cards
• And more!
We’re all treats—no tricks—this Halloween!
Stop by a branch or call us to apply for a credit card today.
*Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 21 billing cycles for balances transferred within 651 days from account opening. After that, 17.49% to 28.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate.
See why our cards are so sweet:
• 0% APR* until 2027 on purchases and balance transfers
• No annual fee
• Zero fraud liability—you’re protected against fraud if your card is lost, misplaced or stolen
• More buying power with our generous credit limits
• Rewards available on most cards
• And more!
We’re all treats—no tricks—this Halloween!
Stop by a branch or call us to apply for a credit card today.
*Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 21 billing cycles for balances transferred within 651 days from account opening. After that, 17.49% to 28.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate.
Deck the Halls with a HELOC!
Your home is the center of your holidays! Whether you’re planning festive upgrades or dreaming of a winter renovation, a Home Equity Line of Credit (HELOC) can help make your home shine bright this holiday season.
Can you picture it?
From upgrading your kitchen as the perfect place to whip up gingerbread men to refinishing your hardwood floors in time for that dinner party, deck the halls and beyond with a HELOC.
A HELOC from Partner Colorado is the gift that keeps on giving! With flexible features and member-friendly benefits, make the most of your holiday season and your home’s equity with a HELOC.
• Fixed- and variable-rate options available
• Interest-only payment feature
• No closing costs*
• Convenient revolving line of credit
• Funds accessible by check, card or digital banking
Getting started is easy! Give us a call or apply online for a HELOC today.
*APR=Annual Percentage Rate. The introductory APR begins on the date the loan is funded and at the end of the 12-month introductory period, the rate will revert to the regular fixed APR you qualified for at loan closing. Introductory APR applies to a maximum draw of $500,000 or up to 70% loan-to-value, whichever is the lesser. The current maximum APR is 10.51% APR and the current minimum APR is 8.25% APR. Introductory APR shown is for well-qualified borrowers. Your APR may vary based on creditworthiness, documentation, collateral and other requirements. Certain conditions and restrictions may apply. No closing costs in most cases. An upfront appraisal fee may be required at your expense; contact a Partner Colorado representative for details. Offer is subject to credit approval and income verification. The offer is available on primary Colorado owner-occupied residences only. Rates are based on 85% CLTV (combined loan-to-value) ratio, loan amount and occupancy, so your rate may differ. The introductory APR cannot be applied to an existing Partner Colorado home equity loan or line of credit. Borrow against your available credit line for a period of 5 years, after which any existing balance must be paid in full within the following 10 years. Refinancing present loans held by Partner Colorado is excluded from the promotional offer. Rates are valid as of 10/01/25 and are subject to change without notice. Limited-time offer subject to end without notice. Certain conditions and restrictions apply.
Can you picture it?
From upgrading your kitchen as the perfect place to whip up gingerbread men to refinishing your hardwood floors in time for that dinner party, deck the halls and beyond with a HELOC.
A HELOC from Partner Colorado is the gift that keeps on giving! With flexible features and member-friendly benefits, make the most of your holiday season and your home’s equity with a HELOC.
• Fixed- and variable-rate options available
• Interest-only payment feature
• No closing costs*
• Convenient revolving line of credit
• Funds accessible by check, card or digital banking
Getting started is easy! Give us a call or apply online for a HELOC today.
*APR=Annual Percentage Rate. The introductory APR begins on the date the loan is funded and at the end of the 12-month introductory period, the rate will revert to the regular fixed APR you qualified for at loan closing. Introductory APR applies to a maximum draw of $500,000 or up to 70% loan-to-value, whichever is the lesser. The current maximum APR is 10.51% APR and the current minimum APR is 8.25% APR. Introductory APR shown is for well-qualified borrowers. Your APR may vary based on creditworthiness, documentation, collateral and other requirements. Certain conditions and restrictions may apply. No closing costs in most cases. An upfront appraisal fee may be required at your expense; contact a Partner Colorado representative for details. Offer is subject to credit approval and income verification. The offer is available on primary Colorado owner-occupied residences only. Rates are based on 85% CLTV (combined loan-to-value) ratio, loan amount and occupancy, so your rate may differ. The introductory APR cannot be applied to an existing Partner Colorado home equity loan or line of credit. Borrow against your available credit line for a period of 5 years, after which any existing balance must be paid in full within the following 10 years. Refinancing present loans held by Partner Colorado is excluded from the promotional offer. Rates are valid as of 10/01/25 and are subject to change without notice. Limited-time offer subject to end without notice. Certain conditions and restrictions apply.
Harvest the Savings with an Auto Loan Refinance
As the leaves change, you may be ready to turn over a new leaf too! Although your car may be ready for pumpkin patch trips and scenic drives, your loan might be due for a fall refresh. Refinancing your auto loan could help you rake in some serious savings this season.
Grab a cup of cider and crunch the numbers! Your fall savings await:
• No payments for 90 days
• Terms up to 84 months
This fall, give your budget a boost! Apply online or give us a call to get started.
¹Ninety-day payment deferral is available to qualified borrowers for auto loans approved through standard lending guidelines (without exceptions). Regular finance charges continue to accrue during the deferred payment period. Not applicable on motorcycle, RV, boat or commercial vehicle loans, or current Partner Colorado auto loans. This offer is not applicable on vehicles older than 15 years or with more than 160,000 miles. All loans are subject to member credit qualifications and normal credit and income verification. Offer and rates subject to change without notice. Other terms and conditions may apply.
Grab a cup of cider and crunch the numbers! Your fall savings await:
• No payments for 90 days
• Terms up to 84 months
This fall, give your budget a boost! Apply online or give us a call to get started.
¹Ninety-day payment deferral is available to qualified borrowers for auto loans approved through standard lending guidelines (without exceptions). Regular finance charges continue to accrue during the deferred payment period. Not applicable on motorcycle, RV, boat or commercial vehicle loans, or current Partner Colorado auto loans. This offer is not applicable on vehicles older than 15 years or with more than 160,000 miles. All loans are subject to member credit qualifications and normal credit and income verification. Offer and rates subject to change without notice. Other terms and conditions may apply.
Brighten the Season with a Holiday Loan
Want to spread more holiday cheer this season? A holiday loan from Partner Colorado can help! With the hustle and bustle of the holiday season upon us, holiday loans can provide some much-needed relief. Use a holiday loan to buy gifts, fund your holiday travel or even take a vacation! Check out these great features:
• $1,200 loan
• 12.00% APR for 12 months*
Apply between October 1 and December 31, 2025, to take advantage of this offer.
Give yourself a present this season with a holiday loan! Stop by a branch or call us to get started.
*APR=Annual Percentage Rate. Certain conditions and restrictions apply. Must qualify through normal underwriting guidelines and credit criteria. Members must apply online and close via DocuSign to receive a rate of 12.00%; otherwise, the rate will be 16.00% APR. Valid between October 1, 2025 and December 31, 2025.
• $1,200 loan
• 12.00% APR for 12 months*
Apply between October 1 and December 31, 2025, to take advantage of this offer.
Give yourself a present this season with a holiday loan! Stop by a branch or call us to get started.
*APR=Annual Percentage Rate. Certain conditions and restrictions apply. Must qualify through normal underwriting guidelines and credit criteria. Members must apply online and close via DocuSign to receive a rate of 12.00%; otherwise, the rate will be 16.00% APR. Valid between October 1, 2025 and December 31, 2025.
Straight from the North Pole: Pictures with Santa!
Ho, ho, ho! Santa’s coming to town! Children will have the opportunity to meet and take pictures with Santa and Big Buck! Sweets and treats will be served, and gifts for the children will be available while supplies last!*
When: December 6, 2025, from 9:00 am to 12:00 pm
Where: Arvada Branch, 6221 Sheridan Blvd.
What: Pictures and letters with Santa Get your Christmas list ready!
We can’t wait to see you there. learn more learn more
*One gift per child while supplies last.
When: December 6, 2025, from 9:00 am to 12:00 pm
Where: Arvada Branch, 6221 Sheridan Blvd.
What: Pictures and letters with Santa Get your Christmas list ready!
We can’t wait to see you there. learn more learn more
*One gift per child while supplies last.
Call for Nominations
The Nominating Committee is seeking qualified volunteers to provide guidance and leadership for Partner Colorado and our 33,318 members. All members are encouraged to participate, either by voting or by running for one of the two available Board of Directors seats. The volunteer position requires attendance at monthly meetings held on the fourth Thursday of each month from 3:00 pm to 7:00 pm and a term of three years, in addition to training requirements and specific committee assignments.
Prior to the Annual Meeting, an election will be held by ballot for all contested positions. The ballot will be sent at least 25 days before the Annual Meeting scheduled in May 2026.
If you’re interested in being nominated, contact Billie Easter at 303.422.6221, ext. 3264 or via email at EasterB@ partnercoloradocu.org. All applications must be received before December 1, 2025. A list of nominees will be published for the membership in the next Insights Newsletter.
Prior to the Annual Meeting, an election will be held by ballot for all contested positions. The ballot will be sent at least 25 days before the Annual Meeting scheduled in May 2026.
If you’re interested in being nominated, contact Billie Easter at 303.422.6221, ext. 3264 or via email at EasterB@ partnercoloradocu.org. All applications must be received before December 1, 2025. A list of nominees will be published for the membership in the next Insights Newsletter.
Free Financial Educational Resources
Educational Resources
As your trusted financial partner, we’re here to help you move ahead and improve your financial well-being with free educational resources. Check them out!
Free Online Financial Education Courses
Explore GreenPath’s LearningLab for all things financial. GreenPath brings you well researched courses and tools to give you a better understanding of money for a healthy financial life.Here are some of the financial courses you can choose from.
• Mortgage Refinance 101
• Making the Most of Your Money
• Paying Down Your Credit Card
• Navigating Auto Loans
• And more!
Click here to get started
Free Financial Worksheets & Guides
Use these free financial worksheets and guides to manage your finances. Print out the worksheets to complete by hand or save on your own computer to complete electronically.Here are some of the topics you can access.
• Interactive Budgeting Worksheet
• Six Steps to Take When Seeking Mortgage Assistance
• A Guide to Understanding Your Credit
• Glossary of Financial Terms
• And more!
Click here to get started
Holiday Closures
We will be closed on the following days:
• Columbus Day—Monday, October 13
• Veterans Day—Tuesday, November 11
• Thanksgiving Day—Thursday, November 27
• Chirstmas Day—Thursday, December 25
• New Year's Day—Thursday, January 1
Early Closures:
• Day After Thanksgiving—Friday, November 28, closing at 1:00 pm
• Christmas Eve—Wednesday, December 24, closing at 1:00 pm
• New Year's Eve—Wednesday, December 31, closing at 3:00 pm