Summer Insights Newsletter

At Partner Colorado, we believe it’s never too early to begin learning about the value of saving and spending money wisely.

Lil’ Partners and Teen Partners who open a new account between July 1 and September 30 will be entered for a chance to win a $1,000 gift card!¹

Lil’ Partners receive:
• $20 deposit to get started on the path to saving²
• Free piggy bank and coloring book with a new account
• Coloring contests with cash prizes
• Special holiday events and more

Teen Partners receive:
• $20 deposit to get started on the path to saving2
• Mobile Banking App—Their money goes wherever they go
• Teen CDs—Save for their first car, college, etc.
• Automatic “Allowance” Transfers—Schedule transfers from parents’ account to teen’s account.

Build money management and savings habits that last a lifetime. Call, stop by any branch or schedule an appointment today!

¹No 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, 2025. Click here to view the full sweepstakes disclosures. ²Must be a joint owner with parent, grandparent or responsible adult. Certain conditions and restrictions may apply.

CDs feature higher rates than most traditional savings accounts. You’ll have peace of mind knowing you have a fixed rate that can’t fluctuate with the changing terrain or market. Minimum opening deposit is just $500.

 

3.85% APY for 22-month term^*

Lock in your regular CD or IRA CD^* rate today! Stop by any branch, call us or schedule an appointment to meet with us.

*APY=Annual Percentage Yield. The minimum balance to open and earn 3.85% APY on a 22-month CD is $500. Upon maturity, the 22-month CD will revert to a regular 24-month CD and will earn the APY in effect at the time. A 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. Promotional rates are effective as of July 1, 2025. Rates are subject to change without notice. Certain conditions and restrictions may apply.

Life is full of surprises—whether it’s starting a business, retiring or experiencing a major life change, your financial situation can shift quickly. That’s why it’s crucial to plan ahead and protect your loved ones and assets.

At Partner Colorado, we make estate planning simple and affordable to give you peace of mind.

Will vs. Trust—What’s Right for You?
Our two most popular options are the Will Package and the Revocable Living Trust Package.^*
• A will directs the court on how to distribute your assets after death.
• A trust appoints a trustee to manage and distribute your assets directly to beneficiaries. Both are effective tools—learn more about which fits your needs best.

Keep Your Plan Updated
Life changes, and so should your estate plan. Regular updates, including handling digital assets and tax planning, are key to avoiding common pitfalls.

Choose the Right Executor or Trustee
Pick someone you trust to carry out your wishes—it’s a vital part of the process.

We’re here to help you protect what matters most. Click here to get started with estate planning today.

^*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.

Unforgettable summer adventures are possible when you have the right financing. With the help of a HELOC, you can make them happen.

Partner Colorado is here with solutions. And we say, “Yes, it IS possible—with a HELOC.” Take a summer vacation, landscape your yard, remodel your home or create your own outdoor adventures by purchasing an RV, ATV or boat.

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)*
• A HELOC Visa® card to easily access your funds—plus rewards!

Apply online, call us or schedule and 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 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 07/01/25 and are subject to change without notice. Limited-time offer subject to end without notice. Certain conditions and restrictions apply.s or schedule an appointment today!

Buying a home is a big decision. Partner Colorado is here to walk you through the process and through your new front door. Not sure what you can afford? Don’t wait another day to make one of your best financial investments.

We have mortgage calculators that can help you get started.
• Payment Calculators
• Home Affordability Calculators
• Loan Comparisons Calculators
• And more!

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

Our friendly loan officers are experts at fitting you with the right loan for your dream home. We offer competitive rates and flexible terms with both fixed- and adjustable-rate options. This puts more cash in your pocket to furnish and customize your new home just how you want it, like building that deck you’ve always wanted for grilling and chilling.

Call our TruHome Mortgage Specialists at 877.725.8913.

^*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 7/1/2025 and 9/30/2025 and fund by 12/31/2025 to receive a credit on your closing costs.

There’s nothing like the freedom of the open road—windows down, music up and endless destinations ahead. But if a high auto loan payment is holding you back from your next adventure, it’s time for a smoother ride.

When you refinance your auto loan from another lender to us, you’ll make no auto loan payments for 90 days.¹

Imagine what you could do with the extra money. If your auto loan payment is $700, that means you’ll have $2,100 in extra cash for your next adventure. Plan a cross-country trip or take a spontaneous weekend getaway.

Refinance your auto loan and receive:
• No payments for 90 days¹
• A rate as low as 5.49% APR!²
• Terms up to 84 months

Apply online, give us a call or schedule an appointment 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. 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.

Register for Partner Colorado Foundation’s 20th Annual Golf Tournament!

Your participation in our annual golf tournament will help propel Colorado students forward. The Partner Colorado Foundation awards scholarships to deserving college students throughout Colorado. Thanks to your generous support, we have awarded over 400 scholarships totaling $658,000!

• Where: Arrowhead Golf Club, 10850 Sundown Trail, Littleton, CO
• When: Wednesday, August 27th. Shotgun start at 8:00 am; lunch to follow

SPONSORSHIP OPPORTUNITIES AVAILABLE!

Register to play or sign up to be a sponsor by visiting us online at www.partnercoloradofoundation.org or calling us at 303.431.3429.

Have old papers piling up that are too sensitive to just toss? Stop by our free Community Shred Event at our Aurora Branch. You can safely shred old financial statements and other documents containing personal information to protect yourself against identity theft. And while you’re there, enter for a chance to win a gift card.

Date & Time: Saturday, July 26, 9:00 am to 12:00 pm
Location: Aurora Branch, 998 S. Chambers Rd.


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

We will be closed on the following days:
• Independence Day—Friday, July 4
• Labor Day—Monday, September 1