Winter Insights Newsletter

Looking for a low-rate credit card to help with unexpected expenses or to fund some fun extras? Or maybe you want to pay down a high-interest credit card faster. Our new Visa Zero+ credit card offers an introductory 0% APR for two years^* on purchases and balance transfers!

You’ll also enjoy additional benefits, including:
• 4% cash back on travel booked using your card in the Rewards Center^*
• $15 annual statement credit after making purchases for 11 consecutive months^*

Apply online by January 31, 2026, to take advantage of this amazing offer!

*Certain terms, conditions and exclusions apply. In order for coverage to apply, you must pay your monthly cellular wireless bill with your Zero+ Card. Please view the Guide to Benefits at mycardgtb.com/vzero for further card benefit details including full terms and conditions. This offer is valid only for new consumer Visa® Zero+ accounts with this Financial Institution, and the application must be submitted by January 31, 2026. The creditor and issuer of these cards is Elan Financial. For full disclosures, click here.

Starting a new business is exciting—and a little overwhelming. That’s why we offer all the financial tools you need to get your business up and running smoothly:

Simply Free Business Checking¹
• No monthly fees
• No balance requirements
• Visa debit cards with rewards
• Multi-user card access

Business Savings
• Competitive rates
• No monthly or per-item fees
• Four free ATM and Shared Branch transactions per month

Business Credit Cards²
• Options include cards with low rates, cash back or flexible rewards
• Free online expense reporting tools
• Mobile payment capabilities
• Zero fraud liability
• 24/7 cardmember service 365 days per year

Backed by our friendly team of local experts, you’ll have the guidance and support you need to build your business with confidence.

Open your business account today! Schedule an appointment or give us a call at 303.422.6221 x3615.


¹Other fees such as non-sufficient funds, overdraft fees, etc. may apply. See fee schedule for details. Minimum opening deposit is $100. Credit union rules and regulations apply. For full disclosures, click here. ²Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and Mastercard International Inc. Mastercard is a registered trademark, and the circles design is a trademark, of Mastercard International Inc.

Looking for an easy way to start growing your savings? With our Power Savings account—sometimes called a “reverse-tier” savings account— you’ll earn a whopping 5.50% APY* on the first $1,000 in your account. The best part? No minimum balance is needed to get started!

Not familiar with “reverse-tier”? Basically, this means the account gives you the best rate when your balance is small. As your balance grows, the interest rate drops:

• $0 – $1,000 earns 5.50% APY^*
• $1,001 – $2,500 earns 1.50% APY^*
• $2,501 – $10,000 earns 0.50% APY^*
• $10,001 or more earns 0.05% APY^*

That makes Power Savings a smart choice for an emergency fund, a vacation stash or any other short-term savings goal. In addition, if you link the account to your debit card, purchases are rounded up to the next dollar, and the spare change is deposited into your savings account.

If you’re just starting your savings journey (or want a simple “set it and forget it” savings habit), Power Savings is a low-effort way to make your money earn a bit more.

Open your account online, schedule an appointment or call 303.422.6221.


^*APY=Annual Percentage Yield. Limit one Power Savings Account per member. The interest rate is applied to the average daily balance and is paid at tier rates on the balances within each tier. Dividends are compounded and credited monthly based on the average daily balance present in the Power Savings Account. Member eligibility is required. The APY for the Power Savings Account is current as of 01/01/26. Rates and terms are subject to change at any time without notice. Fees may reduce earnings on the account.

Are your monthly mortgage payments bringing down your budget? You could be eligible to get a better deal on your mortgage. Our competitive rates could lead to lower monthly payments, helping you refresh your budget and reach your financial goals faster.

Plus, our handy online tools, such as payment and loan comparison calculators, can help you figure out the right move for your mortgage faster. And when you apply for your loan by March 31, 2026, and fund by April 30, 2026, you can save 1% off closing costs, saving you an average of $4,500!^*

To get started, call 877-725-8913 and speak with a TruHome Mortgage Specialist today.


^*Savings on closing costs may vary; offer excludes appraisal fee and cannot be used to buy down your interest rate (discount points). The promotion applies to primary residence and secondary homes that are located in Colorado only. Certain conditions and restrictions may apply. All applicants must qualify through normal underwriting guidelines, in addition to credit and income qualifications. You must apply for your home loan between 1/1/2026 and 3/31/2026 and fund by 4/30/2026 to receive a credit on your closing costs.

Financial wellness is a journey, and we’re proud to guide you every step of the way. That’s why we offer two powerful resources designed to help you take control of your money and build a secure future.

Financial Wellness Counseling
Through a collaboration with GreenPath, Inc., a nonprofit leader in financial wellness programs, we give you free access to certified financial wellness experts who can help you tailor a plan to your unique situation. Whether you’re looking to clean up your credit, manage debt, buy a home or tackle student loans, you can get confidential, one-on-one guidance. Services include debt counseling and management, credit report reviews, home buying guidance, student loan counseling and bankruptcy counseling. You’ll also have access to our free online library of courses, webinars and other educational resources.

My Financial Partner
Want to see all your finances in one place? My Financial Partner—our free online banking tool—lets you link all your accounts (even those outside of our credit union), track spending, set monthly budgets and work toward your financial goals.

You can also set up customized alerts, so you know when your account reaches a certain balance, as well as get insight into monthly patterns, which is a great way to build healthy money habits over time.

These valuable resources, included with your membership, are designed to empower you to plan, grow and reach your financial goals with confidence.

Call 877. 337.3399 to get started with a free financial check-up. Be sure to let them know you’re a Partner Colorado member!

As a member of Partner Colorado, you have a voice in selecting the volunteer officials that help guide the credit union in the best interest of the membership. This year, we have two board positions and two audit committee seats open. We encourage interested members to apply.

Nominations closed December 1, 2025. Partner Colorado members interested in running for the Board of Directors may do so by petition only. Persons wishing to be nominated by petition may obtain the official petition forms from Billie Easter at 303.422.6221 x3264.

Such persons must be at least 18 years of age, must be a member in good standing and must complete all required forms, including a biographical resume. Each petition must have at least 100 signatures of the Partner Colorado Credit Union membership (signatures cannot be solicited in any Partner Colorado branches). The Nominating Committee must receive completed petitions by February 27, 2026.

Setting financial goals is one thing, reaching them is another—especially when “life happens!” Join us for a workshop to learn how to be sure the financial goals you are setting are realistic and achievable, how to be prepared for what may attempt to derail your progress and strategies to keep you moving forward.

Date: Wednesday, January 21 @ 1:00 pm – 2:00 pm

Presented by: GreenPath

Join us to explore the main influences on spending and how behavioral economics impacts the choices we make every day. You will gain practical insights into money management strategies and learn actionable tips for changing spending habits to achieve your goals.

Date: Wednesday, February 11 @ 12:00 pm – 1:00 pm

Presented by: GreenPath

Partner Colorado updates our Privacy Policy annually during the month of January. You can find the most up-to-date Privacy Policy online or you can request a paper copy be mailed to you by calling 303.422.6221.