Vehicle Rates

Accurate as of 5/1/2012

	APR (As Low as)*
Auto Loan - Call us at 720-283-2346 for current rates, conditions and terms	2.99%
Recreational Vehicles	9.99%
Motorcycles	4.49%

*Annual Percentage Rates are dependant on term and borrower's credit history. Rates and terms are subject to amount of funds borrowed, year and value of vehicle, and length of loan. Member must meet specific credit qualifications. Rates are subject to change without notice.

Mortgage Rates

Accurate as of 5/1/2012

Second Mortgage | Home Equity Rate	APR (As Low as)*
Home Equity Line of Credit, Variable	5.00%**
Second Mortgage/Home Equity, Fixed	5.49% ***
First mortgage rates are subject to change based on a variety of factors. Please contact our first mortgage department at 303-798-6100 for current information.

**Home Equity line of credit annual percentage rate is a variable rate based on prime plus a margin depending on loan to value ratio and credit history.
***Second mortgage/home equity annual percentage rate is a fixed rate based on loan to value ratio and credit history.

Personal Loan Rates

Accurate as of 5/1/2012

	Terms of Loan	APR
Share Secured Loan	Up to 60 Months	3.50%
Share Secured Loan	61 to 72 Months	4.00%
Share Secured Loan	73 to 84 Months	4.50%
Certificate Secured Loan	Equal to term of Certificate	Certificate Rate + 3.00%

Annual Percentage Yield on Regular Share Savings Account and Share Certificate are accurate as of publication date. APY on Regular Share Savings is subject to change without notice and may change your APR. Share Secured Loan secured by Regular Share Savings account. Loans can be secured up to 95% of share account or certificate balance

	Terms of Loan	APR
Personal Loan	Up to 60 Months	As Low as 10.95%
Overdraft	Open	15.90 %

*Annual Percentage Rate is accurate as of publication date and is subject to change. All loans require application and approved credit. The APR and terms for which the member qualifies will be provided upon approval of completed loan application.

Credit Card Rates

Accurate as of May, 2012

Credit Card Type	Visa® Program A	Visa® Program B
Annual Percentage Rate (APR) for Purchases	11.90%	13.90%
Other APRs	Cash Advances: 11.90%	Cash Advances: 13.90%
Variable-Rate Information	NA	NA
Grace Period	25 days for the repayment of the balance for purchases	25 days for the repayment of the balance for purchase
Method of Computing the Balance for Purchases	Average Daily Balance, including new purchases	Average Daily Balance, including new purchases
Annual Fee	$12	$0
Minimum Finance Charge	$.50	$.50

Transaction Fee for Cash Advances Over the Limit Fee Late Payment Fee** Replacement Card Fee Returned Item Fee***

$0 $0 $25 $12 $25

 

**The late payment fee is charged if your payment is received more than one (1) day late.
***The returned item fee is charged when your payment to your account is returned.

Savings Rates

Accurate as of 5/1/2012

Regular Share Savings

Minimum Balance	APY
$50	0.10%

Money Market Account

Minimum Balance	APY
$0-$2,499.99	0.10%
$2,500-$19,999.99	0.10%
$20,000-$49,999.99	0.25%
$50,000 and greater	0.30%

Share Certificates $1,000 to $49,999

Term	APY
6 Month	0.35%
1 Year	0.45%
2 Year	1.00%
3 Year	1.10%
4 Year	1.50%
5 Year	1.75%

Jumbo Certificates $50,000 or greater

Term	APY
1 Year	0.55%
2 Year	1.10%
3 Year	1.20%
4 Year	1.60%
5 Year	1.85%

 

IRA Share Account

Minimum Balance	APY
$100.00	1.00%

 

IRA Certificates $1,000 to $49,999

Term	APY
1 Year	0.45%
2 Year	1.00%
3 Year	1.10%
4 Year	1.50%
5 Year	1.75%

 

IRA Certificates $50,000 or greater

Term	APY
1 Year	0.55%
2 Year	1.10%
3 Year	1.20%
4 Year	1.60%
5 Year	1.85%

 

Holiday Savings Club

Minimum Balance	APY
No minimum balance	1.00%