Loan Rates

Effective Date: 01/01/2020

**Vehicle Loans**
Type of Loan	Best Rate APR	Min/Max Term
Auto Repayment Example	3.99% 4.74% 5.24%	0-60 Months 61-75 Months 76-84 Months
First Time Buyer Auto Loan Certain Restrictions Apply. $15,000.00 Max Loan Amount. Repayment Example	11.75% 12.25% 12.75% 13.75%	0-36 Months 37-48 Months 49-60 Months 61-75 Months
Credit Builder Auto Loan Certain Restrictions Apply. $15,000.00 Max Loan Amount. Repayment Example	12.75% 13.25% 13.75%	0-36 Months 37-48 Months 49-60 Months

**Motorcycle, RV and Other Titled Loans**
Type of Loan	Best Rate APR	Min/Max Term
Motorcycles Repayment Example	4.99% 5.49%	0-60 Months 61-72 Months
Motor Homes/RV's Repayment Example	4.99% 5.90% 6.90% 7.90%	0-60 Months 61-120 Months 121-144 Months 145-180 Months
Non-Titled/Miscellaneous Repayment Example	6.00% 6.50% 7.00%	0-60 Months 61-72 Months 73-84 Months

**Signature Loans**
Type of Loan	Best Rate APR	Min/Max Term
Signature Loan Repayment Example	9.99%	0-36 Months
Signature Line of Credit	11.24% Variable	Line of Credit
Business Signature Line of Credit	9.24% Variable	Line of Credit
Tuition Reimbursement Loan Repayment Example	7.00%	0-90 Months

**Credit Cards**
Type of Loan	Best Rate APR	Min/Max Term
Credit Cards	10.24% Variable	Line of Credit
Secured Credit Cards Min $1000.00 funds must be seasoned	8.75% Variable	Line of Credit
Credit Builder—Secured Credit Card	9.75% Variable	Line of Credit
Business Credit Cards	12.24% Variable	Line of Credit

**Savings Secured Loan/Line Of Credit**
Type of Loan	Best Rate APR	Min/Max Term
Savings Secured Loan Repayment Example	3.00% Variable above current Dividend Rate	0-12 months
Savings Secured Line of Credit	3.00% Variable above current Dividend Rate	Line of Credit
Credit Builder Savings Secured Loan Repayment Example	4.00% Variable above current Dividend Rate	0-12 months

**Checking Overdraft Line Of Credit**
Best Rate APR	Min/Max Term
18.00% Fixed	Line of Credit

**Home Equity Line of Credit**
Best Rate APR	Min/Max Term
6.24% Fixed	5 Year Draw Period - 10 Year Repayment; up to 80% LTV
7.24% Fixed	5 Year Draw Period - 10 Year Repayment; up to 90% LTV

**Home Equity Line of Credit**
Best Rate APR	Min/Max Term
4.99% Variable	0-20 Years; 10 Year Draw Period - 10 Year Repayment; up to 80% LTV
5.99% Variable	0-20 Years; 10 Year Draw Period - 10 Year Repayment; up to 90% LTV

**First Mortgage Rates**
Click here to view current rates

Loan Disclosures

APR

Annual Percentage Rate

Prime Rate

4.75% Annual Percentage Rate (APR)

Credit Score Information

A less favorable rate is based upon the information contained in your credit report. A free copy of your credit report may be obtained from Experian at 1-888-397-3742. Consumer address to purchase credit report: Experian/NCAC, 701 Experian Parkway, P.O. Box 2104, Allen, TX 75013-0919

Line of Credit

A line of credit is a pre-established amount of credit extended to a borrower by a lender that the borrower can draw against as needed. Additional rules and guidelines may apply.

Credit Card Transaction Fees

Cash Advance = Either $2.00 or 1.00% of transaction amount of each advance, whichever is greater.
Foreign Transaction = 1.00% of each foreign currency transaction in U.S. dollars.
Foreign Transaction = 0.80% of each U.S. dollar transaction that occurs in a foreign country.

Real Estate

First Mortgages: Your Credit Union offers a variety of first mortgages to fit your particular situation: See a Partner Colorado Credit Union representative for the most current rates.

Fixed rate options–30 year or 15 year
Adjustable rate options–3/1 or 5/1
Refinances or purchases
Low closing costs

Miscellaneous

All rates displayed are Annual Percentage Rate (APR). These are accurate and effective for the date indicated at the top of the page. All loans are subject to credit approval. If you have any questions or require current rate information on your accounts, please call the Credit Union at (303)422-6221 or (800)367-2474. Rates are subject to change until loans are closed.

If you choose to sign loan closing documents in person, instead of signing your loan documents using an electronic signature via DocuSign, your approved loan rate will increase by 0.25% APR. This rate increase applies to most vehicle loans, as well as all personal loans and credit cards.