Fall Insights Newsletter

We’re celebrating a big milestone at Partner Colorado Credit Union—our 95th anniversary!

Since 1931, we’ve been proud to help members reach their financial goals through every stage of life. Now, we want to hear from you—the members who make our story possible.

If Partner Colorado has helped you finance a vehicle, buy a home, build your savings, grow your business or feel more confident about your finances, share your story for a chance to win. Submit your testimonial by December 4 here.

Here’s how you can win:
• Weekly prize: From September 1 through December 4, 2026, we’ll randomly select one testimonial entry each week to receive a $95 Visa^® gift card!¹ Entries are accepted weekly from Sunday at 12:00 a.m. through Saturday at 11:59 p.m.
• Grand prize: Every testimonial submitted between September 1 and December 4 will also be entered into our grand-prize drawing for a chance to win $950!²

Thank you for being part of the Partner Colorado family, and for helping us celebrate 95 years!


¹Odds of winning may vary. No purchase necessary to win. ²Before you submit your testimonial in the online form, please click here to read the Media/Testimonial Consent and Release Form. Click here to view full sweepstakes disclosures.

The earlier kids and teens start learning about money, the more confident they can feel managing it later. From October 1 through December 31, 2026, when you open a Lil' Partners or Teen Partners account for your child, we’ll deposit the first $20¹ into their account, and enter them for a chance to win a family getaway to Gaylord Rockies Resort!²

For kids age 12 and under: Lil' Partners
A Lil' Partners account is a fun, easy way to introduce your child to saving. They’ll enjoy:
• No fees or minimum balance requirements
• Free toys, coloring books and a piggy bank when they open an account and make deposits
• Access to the Lil' Partners newsletter and free financial education tools

For teens ages 13–17: Teen Partners
Teen Partners accounts include both checking and savings, giving teens more independence and control over their money. They’ll also enjoy:
• Helpful financial tools, including a debit card and Mobile Banking
• A cash bonus for completing our educational video and quiz

Ready to get started? Stop by your local branch, visit us online or call us to open your account.


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 October 1 and December 31, 2026. Click here to view the full sweepstakes disclosures.

With flexible options for businesses of all sizes and financial needs, Partner Colorado has a business checking account designed to help you manage your money with confidence.

Simply Free Business Checking¹
• No monthly fees
• Visa^® debit cards with rewards and multi-user access
• Convenient online and mobile banking

Business Interest Checking¹
• Competitive interest on operating funds
• 1,000 FREE monthly transaction items
• Up to $10,000 deposit per month FREE

Business Benefits Checking¹
• Just $15 a month
• Treasury management tools, including tax filing and identity theft assistance¹
• $50,000 cyber liability coverage^2,3

Plus, when you open a Partner Colorado business checking account between October 1 and December 31, 2026, you’ll receive a $250 bonus deposit.⁴

Choose the account that fits your business and apply today. Get the banking tools, support, and flexibility you need to keep your business growing.

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. 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 currency deposits, the account may be converted to another checking product. ²Not available in New York. ³INSURANCE PRODUCTS ARE: NOT A DEPOSIT. NOT FEDERALLY INSURED. NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES OR ANY GOVERNMENT AGENCY. ⁴Bonus is not available to existing Partner Colorado business members. Bonus valid for new business checking accounts opened between October 1 and December 31, 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.

If your auto loan rate is higher than you’d like, it may be time for a refresh. Partner Colorado can help you refinance quickly and affordably, potentially lowering your monthly payment and the total interest you’ll pay over the life of your loan.

That could mean more money for holiday gifts, seasonal travel or whatever helps make this time of year extra special.

When you refinance with us, you can enjoy:
• No payments for 90 days¹
• 1% APR off your current rate²
• An affordable way to save on your auto loan

Apply online, text 303.900.1104 or schedule an appointment with a loan officer.


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.

As the leaves change and the holiday season approaches, it’s a great time to start planning the home upgrades you’ve been putting off.

Whether you’re refreshing your kitchen, replacing a roof or improving your home’s energy efficiency before winter, a Home Equity Line of Credit (HELOC) can give you flexible funds to help make it happen.

When you open a HELOC between October 1 and December 31, you’ll receive our special rate of 5.99% APR, fixed for 12 months, with no closing costs.^* Plus, enjoy:
• Interest-only payment options
• Visa card for easy access to your funds
• Up to 85% Loan-to-Value (LTV)

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 10/01/26 and are subject to change without notice. Limited-time offer subject to end without notice. Certain conditions and restrictions apply.

Protecting your family’s future starts with a solid estate plan. With estate planning from Partner Colorado, you can help make sure your assets are handled according to your wishes.

We make the process simple and convenient. Complete your application from home, and if you have a question or run into an issue, our knowledgeable team is just a call or chat away. You can also split your payments into four interest-free installments.

With Partner Colorado, you could save hundreds on legal fees while keeping your important plans organized in one place. Plus, starting November 16, when you sign up for one of our estate planning packages, you’ll get 30% off.

Choose from two package options, each offering a different level of protection for you and your family.

Will Package
- Individual Will - $174
- Joint Will - $244

Revocable Living Trust Package
- Individual Trust - $489
- Joint Trust - $629

Take the first step toward protecting your family’s future! Visit us online for more details and to get started with your estate plan.


^*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.

Get ready for a morning full of holiday cheer, family fun and a little extra magic! Santa Claus is coming to Partner Colorado, and he’s bringing plenty of smiles, sweet treats and festive memories for everyone to enjoy.

Date: Saturday, December 5
Time: 9 a.m. to noon
Location: Arvada branch, 6221 Sheridan Blvd.

Bring the whole family for a photo opportunity with Jolly Old Saint Nick, plus refreshments, sweet treats and a special gift from Partner Colorado.^* Don’t forget your camera and your holiday spirit!

We can’t wait to celebrate with you. Hope to see you there!


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

It’s Time To Review Your Medicare Coverage

Mark your calendar! Medicare Open Enrollment runs from October 15 through December 7. During this time, you can review your coverage and decide whether to keep your current Medicare plan, switch plans or add prescription drug coverage. Any changes you make will take effect on January 1, 2027.

It’s a good idea to compare your options, especially if your health needs, medications or financial situation have changed over the past year.

During open enrollment, you can:
• Join a new Medicare Advantage Plan or standalone prescription drug plan (Part D).
• Switch between Medicare Advantage and Original Medicare, with or without Part D.
• Buy a Medigap policy to help pay Original Medicare costs (limitations apply).

To schedule a free no-obligation consultation with Martin today, call 303.431.3484.


This is an advertisement for an insurance product. Insurance products are not NCUA/NCUSIF or otherwise federally insured and are not guarantees or obligations of the credit union. The credit union is collaborating with the Centers for Medicare & Medicaid Services to make insurance products and services available to credit union members. All credit union products and services are subject to change without notice. Member eligibility required. Not connected with or endorsed by the U.S. government or the federal Medicare program. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all your options. Services only available in Colorado.

Our upgraded Aurora branch is ready to welcome you! Beginning in October, stop by and experience a fresh, modern look and feel, designed with our members in mind.

From the updated design to an enhanced member experience, every detail was thoughtfully created to make banking more comfortable, convenient and enjoyable. Come see the transformation, explore the new space and connect with our friendly team. We’re excited to show you around and serve you in a whole new way!

Aurora Branch
998 S. Chambers Rd.

Visit us and experience the new Aurora branch for yourself. We can’t wait to see you!

The Nominating Committee is seeking qualified volunteers to provide guidance and leadership for Partner Colorado and our 36,000 members. All members are encouraged to participate, either by voting or by running for one of the three 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 2027.

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, 2026. A list of nominees will be published for the membership in the next Insights Newsletter.

Big news—we’re coming back to Central Park!

Partner Colorado is coming back to Central Park with a refreshed branch at the 29th Avenue Town Center Market, opening in early 2027. While the new location will feature a fresh look and feel, you can still count on the same friendly, exceptional service you know and love from Partner Colorado.

Learn how to review your Medicare coverage, compare plans and make informed decisions for 2027. Choose from the following dates and join us for an informational webinar or in-person seminar.

Multiple Webinar Dates to Choose From:
Wednesday, October 7 from 12:00 to 1:00 pm
Tuesday, October 20 from 6:00 to 7:00 pm
Thursday, October 29 from 12:00 to 1:00 pm

In-Person Seminar Date:
Date: Thursday, October 15 from 6:00 to 7:00 pm
Location: Arvada Branch, 6221 Sheridan Blvd.

Presented by: Partner Colorado Credit Union