Vehicle Rates

	Type		APR (as low as)*
	Auto		2.99%
	RV		9.99%
	Motorcycle		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. Rates effective

Mortgage Rates
APR=Annual Percentage Rate. Rates subject to change.

	Type		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 mortgage department at 720-283-2346 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. Rates effective

Personal Loan Rates
APR=Annual Percentage Rate. Rates subject to change.

	Type	Term	APR
	Share Secured Loan	Up to 60 Months	3.05%
	Share Secured Loan	61 to 72 Months	3.60%
	Share Secured Loan	73 to 84 Months	4.10%
	Certificate Secured Loan	Equal to term of Certificate	Certificate Rate + 3.00%
	Personal Loan	Up to 60 Months	As low as 10.95%
	Overdraft	Open	15.90%
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. *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. Rates effective

Credit Card Rates

	Premier Visa®	Black Visa®
Annual Percentage Rate (APR) for Purchases	11.90%	5.25%*
APR for Cash Advances	11.90%	5.25%
APR fo Balance Transfers	11.90%	5.25%
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee	None
Transaction Fees
Foreign Transaction Fee	1.00% of each multiple currency transactionin U.S. dollars 0.80% of each single currency transaction in U.S. dollars
Penalty Fees
Late Payment Fee	Up to $25.00
Returned Payment Fee	Up to $25.00
Rush Fee	$35.00
Credit Card Replacement Fee	$12.00
Document Copy Fee	$5.00

How We Will Calculate Your Balance.
We use a method called “average daily balance (including new purchases).” See your Account Agreement for more details.

Billing Rights.
Information on your rights to dispute transactions and how to exercise those rights is provided in your Account Agreement.

Premier Periodic Rates.
The Purchase APR is 11.90% which is a monthly periodic rate of 0.0326%. The Cash Advance APR is 11.90% which is a monthly periodic rate of 0.0326%. The Balance Transfer APR is 11.90% which is a monthly periodic rate of 0.0326%.

Black Periodic Rates.
The Purchase APR is 5.25% which is a monthly periodic rate of 0.0144%. The Cash Advance APR is 5.25% which is a monthly periodic rate of 0.0144%. The Balance Transfer APR is 5.25% which is a monthly periodic rate of 0.0144%.

*APR=Annual Percentage Rate. Rates subject to change. The “Prime Rate” of interest appearing in the Money Rate section of The Wall Street Journal published on the last business day preceding the 16th day of each month. The variable rate margin on the Black card is the prime rate plus 2.00%. Maximum APR is 10%.

Rates effective

Regular Share Savings
APY=Annual Percentage Yield. Rates subject to change.

Minimum Balance	APY
$50	0.05%

Money Market Account

Minimum Balance	APY
$0-$19,999.99	0.10%
$20,000-$49,999.99	0.20%
$50,000 and greater	0.25%

Share Certificates $1,000 to $49,999

Term	APY
6 Month	0.35%
1 Year	0.45%
2 Year	0.85%
3 Year	1.00%
4 Year	1.30%
5 Year	1.60%

Jumbo Certificates $50,000 or greater

Term	APY
1 Year	0.55%
2 Year	0.95%
3 Year	1.10%
4 Year	1.40%
5 Year	1.70%

IRA Share Account

Minimum Balance	APY
$100.00	0.60%

IRA Certificates $1,000 to $49,999

Term	APY
1 Year	0.45%
2 Year	0.85%
3 Year	1.00%
4 Year	1.30%
5 Year	1.60%

IRA Certificates $50,000 or greater

Term	APY
1 Year	0.55%
2 Year	0.95%
3 Year	1.10%
4 Year	1.40%
5 Year	1.70%

Holiday Savings Club

Minimum Balance	APY
No minimum balance	0.60%

Rates effective