Spring Insights Newsletter

Want to combine your debt into one single payment? Do you have old flooring or windows you’d like to replace? A Home Equity Line of Credit (HELOC) can help you do both and more using the equity you’ve already put into your home, all with no closing costs. With a low introductory rate of 5.99% APR¹ fixed for 12 months, opening a HELOC gives you a world of opportunities.

With interest-only payments, you can lower your monthly payments by only paying interest on what you borrow during the initial draw period. For example, if you borrow $50,000 at 5.99% APR, your interest-only payment would be $254.37 per month for the first year.²

Other advantages of your HELOC:
• Make purchases using your HELOC Visa® or transfer funds to other accounts using Online and Mobile Banking.
• Access your line of credit as often as you like and for any reason.
• Choose fixed- or variable-rate options that work for you and your family.

Apply for a HELOC today! Stop by your local branch or apply online.


¹APR=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 03/01/26 and are subject to change without notice. Limited-time offer subject to end without notice. Certain conditions and restrictions apply. ²Payment example is for well-qualified borrowers. Rates and payments will vary based on creditworthiness.

It’s never too early for kids to start learning about the value of money. That’s why at Partner Colorado, we help parents teach kids of all ages the importance of money management skills, with fun perks to spark kids’ interest and curiosity.

If your child is 12 years old or younger, you can start their savings journey with a Lil’ Partners account.¹ With no fees or minimum balance requirements, a Lil’ Partners account is a great way to introduce your child to the concept of saving money. Plus:

• New accounts receive a free piggy bank and coloring book.
• The first $20 deposit is made for you.
• You and your child can enjoy annual holiday events and quarterly coloring contests together!

As an added bonus, from April 1 to June 30, you’ll have a chance to win a Nintendo Switch 2 gaming console!<sup>2


1</sup>Must 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 April 1 and June 30, 2026. View the full sweepstakes disclosures online at www.partnercoloradocu.org.

Every business is different, and you need banking that fits your individual needs. But it doesn’t have to be complicated. Partner Colorado offers several business checking accounts¹ to ensure there’s an option for every type of business—large or small, established or new.

• Simply Free Business Checking: Great for businesses at any stage, this account offers debit card rewards, no minimum balance and absolutely no monthly fees.
• Business Interest Checking: This account earns interest on higher balances with a $1,500 minimum balance to avoid a low monthly fee.
• Business Benefits Checking: This account offers extra perks and ID theft aid for only $15 per month.

Best of all, we’re offering a $250 bonus deposit² when you sign up for a new business checking account.

Apply online and choose the best checking account for your business. For more information, call us at 303.422.6221 ext. 3615 or send an email to [email protected].


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. Credit union rules and regulations apply. 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. $10 for debit cards and unused checks from another financial institution given at the time the cards/checks are presented. Rewards Points provided by ScoreCard® Bonus Point Program. Account holders earn one point for every three qualified dollars in net purchases using signature-based debit card transactions and for every five qualified dollars in net purchases using PIN-based debit card transactions. There is no limit to the number of points an account can earn in one year. Points expire within 36 months. Certain conditions and restrictions apply. ²Bonus is not available to existing Partner Colorado business members. Bonus valid for new business checking accounts opened between April 1 and June 30, 2026. Limit one bonus per account; cannot combine with other offers. Must complete 10 ACH transactions and enroll in online/mobile banking to receive bonus. All requirements must be met within 60 days of account opening and the cash bonus will be deposited into the new business checking account within 10 days of meeting qualifications. The $250 cash bonus is considered interest and is subject to IRS and other tax reporting. Other conditions and restrictions may apply.

Teens have a lot on their plates between school, friends, jobs and extracurricular activities. It may seem impossible to fit in time for building money management skills, too. But Partner Colorado makes it easy.

A Teen Partners account¹ lets teens ages 13–17 take control of their own money with a debit card and Mobile Banking. Plus, you can schedule money transfers directly from your account to your teen’s account, which makes giving an allowance easy!²

In addition, Teen Partners who have a checking account can also earn a $25 cash bonus for watching an online educational video and passing a quiz.3

And that’s not all. From April 1 to June 30, new accounts have a chance to win a PlayStation 5 Gaming Console Bundle!

Ready to open a Teen Partners account for your child? Stop by any branch or open an account online.


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 April 1 and June 30, 2026. View the full sweepstakes disclosures online at www.partnercoloradocu.org. ³One $25.00 bonus deposit per member. Must complete and pass the Teen Money Concepts quiz by answering at least four of the five questions correctly to receive the $25.00 bonus deposited into account. Bonus is paid out for completing the quiz one time. Must have a savings and checking account with Partner Colorado Credit Union to receive the bonus.

Are you excited to start your own venture, but not sure where to start? Or maybe you’ve got an established business and are looking for tools to help you streamline or expand.

Partner Colorado is here to guide you every step of the way, helping you keep your operations simple and stay financially healthy. Our new Business Resource Center, available on our website, gives you tools and templates to set your business up for success, no matter what stage you’re in. We can help with:

• Starting your business
• Boosting your profits
• Taking your business to the next level
• Managing ongoing financial need

Find out how we can help you optimize your business.

There’s something special about time spent at home. Whether it’s grilling dinner in your backyard or having a family game night, those everyday moments are what make a house feel like a home. And lowering your monthly mortgage costs could make it feel even better.

We offer competitive fixed- and variable-rate loans, and our experienced loan officers will help you find the option that’s perfect for your needs. To help you get started, you can also check out our helpful tools, including:

• Payment Calculators
• Home Affordability Calculators
• Loan Comparisons Calculators

Click here to learn more about our mortgage refinancing options or call 877-725-8913 to speak with a mortgage specialist.


*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 4/1/2026 and 6/30/2026 and fund by 7/31/2026 to receive a credit on your closing costs.

You’re saving money, that’s great! Now it’s time to make it multiply!

Certificates of Deposit (CDs) lock in returns with a predictable fixed rate that can’t fluctuate, which means you can be confident about how much you’ll earn. With a minimum opening deposit of $500, you can make more money with better rates than most traditional savings accounts.

• Lock in a 7-month regular or IRA CD with a 4.00% APY*
• Lock in a 10-month IRA-only CD with a 4.30% APY* (until April 15, 2026)
• Lock in a 22-month regular or IRA CD with a 3.75% APY*

Ready to sit back and watch your money grow? Open a CD today.


*APY=Annual Percentage Yield. The minimum balance to open and earn 4.00% APY on a 7-month CD is $500. Upon maturity, the 7-month CD will revert to a regular 12-month CD and will earn the APY in effect at the time. The minimum balance to open and earn 4.30% APY on a 10-month CD is $500. Upon maturity, the 10-month CD will revert to a regular 12-month CD and will earn the APY in effect at the time. The minimum balance to open and earn 3.75% 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 April 1, 2026. Rates are subject to change without notice. Certain conditions and restrictions may apply.

Teachers make a world of difference in kids’ lives. From kindergarten all the way through high school, teachers provide knowledge and guidance, helping kids discover their passions, grow their confidence and prepare for successful futures.

To show our appreciation for teachers, we’re giving away a $500 classroom makeover to two Colorado teachers. If you know a great K-12 teacher, nominate them to receive the classroom they deserve!

Tell us in 250 words or less who you think most deserves a classroom makeover and why. Be sure to include:

• Your name, phone number and email, and how you know the teacher
• The teacher’s name, email, grade level and number of years as a teacher
• The name, address and phone number of their school
• What makes the teacher special

Help us give back to the teachers who give our children so much. Send your entry to [email protected] by May 10, 2026.


*Individuals who were the winners of the last eligible contest conducted in the previous year are not eligible to win. Partner Colorado employees and volunteers are not eligible to participate. All entries must be completed and submitted by 11:59 pm on May 10, 2026.

Your personal information deserves to be secure. It’s important to shred personal information to prevent identity theft and protect your privacy. That’s why we’re hosting a free community shred event.

Saturday, June 27, 9:00 am to noon
Littleton Branch—5150 S. Federal Blvd.

DO bring the following items:
Confidential documents and records
Medical documents
Bank information
Receipts
Credit card statements

DO NOT bring the following:
Hardcover books
CDs or DVDs
Hanging file folders
Cardboard
Electronics

Stop by to shred some documents, enjoy a hot dog and enter for a chance to win a gift card!*

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

Register for Partner Colorado Foundation’s Annual Golf Tournament!

Ready to tee up—and make a difference? It’s a great chance to spend a day on the course, connect with friends, and support a cause that has a real impact.

• Where: Arrowhead Golf Club, 10850 Sundown Trail, Littleton, CO
• When: Wednesday, August 26th. 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 or sending an email to [email protected].

At Partner Colorado, we believe that everyone should have the opportunity to reach for their goals. That’s why, every year, the Partner Colorado Foundation awards scholarships to students who want to pursue a degree in the field of their choice. The number of scholarships depends on annual fundraising success, with awards of at least $1,000 per recipient per year. Students are selected based primarily on financial need, but academic achievement and involvement with activities and the community is also considered.

This year’s scholarship applications are due April 30. In order to be considered, the applicant must be a permanent Colorado resident, carry at least nine credit hours, be in good academic standing and be between 17 and 40 years old.

Tell someone you know or apply online for yourself today!

GreenPath offers a life-changing solution to help people pay off debt in full—and faster than they could on their own. Join us to learn about the power of the Debt Management Program and how it can transform your financial future.

Date & Time: Wednesday, April 8 @ 12:00–12:45 pm
Presented by: GreenPath

This Financial Literacy Month, take a meaningful step toward securing your family’s financial future. As a valued member of Partner Colorado, you can create your will or trust online in an easy, affordable and secure way. Join our free estate planning webinar and unlock a 30% discount just for attendees.

Date & Time: Tuesday, April 21 @ 12:00 pm
Presented by: Legal Karma