Summer Insights Newsletter

It’s important to set children and teens up for future success by helping them learn about financial concepts like saving and borrowing. Give them exposure early with a Lil’ Partners account, for kids 12 and under, or a Teen Partners account, for ages 13–17.¹

A Lil’ Partners account is a great way to introduce your child to the concept of saving money, and includes:
• $20 deposit to get started on the path to saving
• Free piggy bank and coloring book with a new account
• A free toy with every deposit
• Coloring contests with cash prizes
• Lil’ Partners newsletter, free financial education tools and more!

A Teen Partners account allows teens to take control of their money with:
• $20 deposit to get started on the path to saving
• Automatic “Allowance” Transfers—Schedule transfers from parents’ account to teen’s account
• Mobile check deposits and card controls
• Bonus deposit for completing our educational video and quiz, plus a $25 deposit for passing the quiz

Open an account for your child or teen by September 30 for a chance to win an iPad!²

Take the first step toward building smart saving habits. Call 303.422.6221, visit us online at PartnerColoradoCU.org or schedule an appointment!


¹Must be a joint owner with parent, grandparent or responsible adult. Certain conditions and restrictions may apply. ²No purchase or banking relationship of any kind is necessary. Purchase or banking relationship does not increase odds of winning. Void where prohibited or restricted by law. Accounts must be opened between July 1 and September 30, 2026. Click here to view the full sweepstakes disclosures.

Your business deserves nothing but the best. Partner Colorado offers several checking account options to fit your business’s unique size, age, financial position and capacity for growth.

Simply Free Business Checking¹
• Convenient Online and Mobile Banking tools
• Visa® debit cards with rewards and multi-user access
• No monthly fees

Business Interest Checking¹
• Designed for established businesses with higher balances
• Competitive interest on operating funds
• 1,000 FREE monthly transaction items
• Up to $10,000 deposit per month FREE

Business Benefits Checking¹
• $15 a month
• Tax filing²
• ID theft aid²
• $50,000 cyber liability^{3, 4}

Open a business checking between July 1 and September 30 and receive a $250 bonus deposit!⁵


Certain conditions and restrictions may apply. ¹Other fees such as non-sufficient funds, overdraft fees, etc. may apply. See fee schedule for details. Minimum opening deposit is only $100. Ask us for details. Credit union rules and regulations apply. Transaction items include all debits and credits. If the Simply Free Business or Business Interest account exceeds 1,000 free monthly transactions or $10,000 in monthly coin and currencydeposits, the account may be converted to another checking product. ²Requires activation. ³Not available in New York. ⁴INSURANCE PRODUCTS ARE: NOT A DEPOSIT. NOT FEDERALLY INSURED. NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES OR ANY GOVERNMENT AGENCY. ⁵Bonus is not available to existing Partner Colorado business members. Bonus valid for new business checking accounts opened between July 1 and September 30, 2026. Limit one bonus per account. Activation of a Business Visa Debit Card and enrollment in online/mobile banking are required to receive bonus. All requirements must be met within 30 days of account opening and the cash bonus will be deposited into the new business checking account within 10 days of meeting qualifications. Cannot combine with additional offers. The $250 cash bonus is considered interest and is subject to IRS and other tax reporting. Other conditions and restrictions may apply.

Life is unpredictable, and if something were to happen to you, it’s important to have a plan in place to protect your assets and your family’s financial future. With estate planning, you’ll give yourself and your family the peace of mind that your final wishes will be followed.

Estate planning can feel sad to think about or difficult to start, but at Partner Colorado, we make the process as easy and convenient as possible. Complete your application from the comfort of your own home, and if you run into an issue or question, you can call to get it resolved. You can opt to spread payments out over four interest-free installments. Save hundreds on legal fees and complete your estate planning all in one place.

Choose between one of our two packages with different layers of protection.

Will Package
• Will
- Individual Will - $249
- Joint Will - $349
• Financial Power of Attorney
• Medical Power of Attorney
• Living Will/Advanced Directive for Physicians
• HIPAA Authorization
• Declaration of Appointment of Guardian
• Appointment of Agent to Control Disposition of Remains

Revocable Living Trust Package
Includes all items from Will Package, plus:
• Revocable Trust
- Individual Trust - $699
- Joint Trust - $899
• Pour-over Will
• Certificate of Trust

If you have questions, call our Legal Karma member support team at 970-289-5127, or schedule a free appointment.

Make planning your affairs easy, affordable and convenient with Partner Colorado’s will and trust packages. 


^*The use of any product and/or service is not intended to be a substitution for the advice of an attorney. Partner Colorado is not a law firm, and our representatives are not attorneys. No legal advice will be provided.

Refinance and Make No Payments for 90 Days

Love your car but not your loan payment? Partner Colorado offers budget-friendly refinancing that can lower your monthly payment and overall interest. With quick pre-approvals and flexible terms, you’ll be on the road quicker and with less hassle.

Turn your monthly savings into unforgettable memories. Refinancing a $700 auto loan payment could free up as much as $2,100—enough to fuel a family road trip, a long weekend getaway or whatever summer adventure is calling your name.

Refinance your auto loan and receive:
• No payments for 90 days¹
• A rate as low as 4.74% APR!²
• Terms up to 84 months

Refinance and save on your auto loan! Apply online, call 303-422-6221, schedule an appointment or use our mobile app.


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. ²This 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.

You’ve already put time, money and care into your house to make it feel like home. Use what you’ve already put in to borrow flexible funds when you need them. With a Home Equity Line of Credit (HELOC), you can tackle your next big home renovation project, consolidate debt or have extra cash on hand with no closing costs!

For a limited time, get a HELOC at a low rate of 5.99% APR fixed for 12 months^*, and enjoy:

• No Closing Costs
• Up to 85% Loan-to-Value (LTV)*
• Easy access to funds with a HELOC Visa® card—plus rewards!

Partner Colorado has interest-only payment options to keep your monthly costs lower.

Apply online, call us or schedule an appointment 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 9.76% APR and the current minimum APR is 7.50% 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 75% 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 07/01/26 and are subject to change without notice. Limited-time offer subject to end without notice. Certain conditions and restrictions apply.

Whether you’re purchasing a home, refinancing or simply exploring your options, we’re committed to making the journey easier. Take advantage of personalized solutions, online resources and expert support designed with your goals in mind.

Your Home Financing Journey Starts Here

• Customized Mortgage Options – Explore loan programs designed to fit your unique needs and financial goals.
• Easy-to-Use Planning Tools – Estimate payments, review financing scenarios and better understand your buying power.
• Personalized Guidance – Receive one-on-one support from a knowledgeable loan professional committed to helping you succeed.

Apply today and save an average of $4,500 with 1% off closing costs!^*

Learn more about our mortgage loan options or call 877-725-8913 to speak to 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 7/1/2026 and 9/30/2026 and fund by 10/31/2026 to receive a credit on your closing costs.

Certificates of Deposit (CDs) are a great way to grow your savings without really trying! Get higher rates than most traditional savings accounts with a predictable rate of return. Just set your CD up for a fixed amount of time and watch the dollars roll in.

Our current CD specials include:
• 7-month CD with 4.00% APY1
• Minimum opening deposit just $500

Plus, try our NEW 13-Month Liquid CD!
Get the best of both worlds, strong returns and added flexibility. Our new 13-Month Regular and IRA CD feature attractive rates, a Mini Jumbo Rate option for higher balances and penalty-free access of up to 50% of your original deposit.

Regular and IRA CDs include:

13-Month CD—3.55% APY²
• Minimum $500 deposit

13-Month Mini Jumbo CD—3.65% APY³
• Minimum $25,000 deposit

Open your CD today and watch your money grow! Stop by any branch, call 303.422.6221 or schedule an appointment.


Rates are subject to change without notice. Certain conditions and restrictions may apply. Promotional rates are effective as of July 1, 2026. ¹APY=Annual Percentage Yield. The minimum balance to open and earn 4.00% APY on a 7-month CD is $500. Upon maturity, the 7-month CD will revert to a regular 12-month CD and will earn the APY in effect at the time. Penalty equal to 90 days of interest will be assessed on early withdrawals for CD terms of 12 months or less, and a penalty equal to 180 days of interest will be assessed for CD terms over 12 months. This includes interest-only withdrawals. Penalties could reduce earnings and principal. IRA certificates are subject to the same penalties and may be subject to additional early withdrawal penalties. ²The minimum balance to open and earn 3.55% APY on a 13-month Liquid CD is $500. Upon maturity, the 13-month CD will revert to a regular 12-month CD and will earn the APY in effect at the time. Maximum withdrawal allowed without penalty is 50% of the original CD balance. Any amount withdrawn above 50% of the original amount will be subject to a penalty. A penalty equal to 180 days of interest will be assessed for CD terms over 12 months. ³The minimum balance to open and earn 3.65% APY on a 13-month Mini Jumbo Liquid CD is $25,000. Upon maturity, the 13-month Mini Jumbo Liquid CD will revert to a regular 12-month CD and will earn the APY in effect at the time. Maximum withdrawal allowed without penalty is 50% of the original CD balance. Any amount withdrawn above 50% of the original amount will be subject to a penalty. A penalty equal to 180 days of interest will be assessed for CD terms over 12 months.

Saturday, July 18, 9:00 am to noon
Arvada Branch—6221 Sheridan Blvd.

Saturday, August 29, 2026
Aurora Branch—998 S. Chambers Rd.

Please remove any binders or other non-paper items. Paperclips, staples and window envelopes are acceptable.

DO bring the following items:
Confidential documents and records
Medical documents
Bank information
Receipts
Credit card statements

DO NOT bring the following items:
Phonebooks
Hardcover books
CDs or DVDs
Hanging file folders
Cardboard
Electronics

Stop by, enjoy a free hot dog and enter for the chance to win a gift card!^* Hope to see you there!


*Odds of winning may vary. No purchase necessary to win.

Starting the week of June 8th, you may notice a little extra activity around the Aurora branch as we build a better branch experience for YOU. Please excuse the mess, we promise it will be worth the wait!

During construction, we’ll be open, operating normally and ready to help as usual.

Thank you for your patience. We look forward to welcoming you to the improved Aurora Branch!

Plan smarter for K–12 costs with practical tips on saving, budgeting and preparing for school and future college expenses.

Date: Wednesday, July 8
Time: 12:00–12:45 pm

Presented by: GreenPath

Planifica mejor los costos de K-12 con consejos prácticos para ahorrar, hacer presupuestos y prepararte para los gastos escolares y futuros estudios universitarios.

Fecha: Miércoles, 22 de julio
Hora: 12:00–12:45 pm

Presentado por: GreenPath