Fall Insights Newsletter

Looking at credit card interest rates can feel haunting, but the only thing scary about Partner Colorado’s credit card is how low our rates are! We figured you’d have enough tricks this Halloween, so we wanted to give you a treat! Enjoy 0% APR* until 2027 when you open a Partner Colorado credit card.

See why our cards are so sweet:
• 0% APR* until 2027 on purchases and balance transfers
• No annual fee
• Zero fraud liability—you’re protected against fraud if your card is lost, misplaced or stolen
• More buying power with our generous credit limits
• Rewards available on most cards
• And more!

We’re all treats—no tricks—this Halloween!

Stop by a branch or call us to apply for a credit card today.

*Intro APR* for Purchases and Balance Transfers: 0% introductory APR for the first 21 billing cycles for balances transferred within 651 days from account opening. After that, 17.49% to 28.49% based on your creditworthiness when you open your account. This APR will vary with the market and is based on the Prime Rate.

Get off the sidelines and into the game! Open a Partner Colorado checking account today and score big with features that put you in control of your finances. With four checking accounts in our lineup, you’re sure to find the perfect fit for your financial playbook. Check them out and pick your MVP!

Simply Free Checking
A free account perfect for everyone!
• No minimum balance required
• No monthly service charge
• FREE instant-issue debit card with rewards
• FREE eStatements
• FREE online and mobile banking

Benefits Checking
We call it Benefits Checking for a reason! This perk-packed account has all the benefits of our Simply Free Checking account—and a long list of extras, like:
• Cell phone protection
• Roadside assistance
• Health savings card
• Identity theft aid
• Fuel discounts
• Savings network
• And more!

Premium Interest Checking
If you always keep more than $1,500 in your checking account, this is the account for you!
• Higher interest rate with a balance of $1,500 or more
• FREE instant-issue debit card with rewards
• FREE box of checks per year
• FREE online and mobile banking
• FREE eStatements

Direct Interest Checking
A smart checking option that fits your lifestyle and helps your money go further.
• Earn interest on your money
• Get paid quicker with direct deposit
• FREE instant-issue debit card with rewards
• FREE eStatements
• FREE online and mobile banking

Plus, open a new checking account by Oct. 26, 2025 for a chance to win 4 tickets to the Broncos vs. Chiefs game on Nov. 16!

Make your move! Open a checking account online today.

Certain conditions and restrictions may apply. Other fees such as non-sufficient funds, overdraft fees, etc. may apply. See fee schedule for details. Minimum opening deposit is $25 for personal accounts and $100 for business accounts. Ask us for details. Credit union rules and regulations apply. Free gift may be reported on a 1099-INT or 1099-MISC. No purchase necessary to win; will not increase your odds of winning. Entrants must be 18 years of age or older. Limit one entry per person. Partner Colorado Credit Union employees and their immediate families are not eligible to win. Winner of the prize may be issued a 1099-INT or 1099-MISC. Click here for full sweepstakes disclosure. Educational

Your home is the center of your holidays! Whether you’re planning festive upgrades or dreaming of a winter renovation, a Home Equity Line of Credit (HELOC) can help make your home shine bright this holiday season.

Can you picture it?
From upgrading your kitchen as the perfect place to whip up gingerbread men to refinishing your hardwood floors in time for that dinner party, deck the halls and beyond with a HELOC.

A HELOC from Partner Colorado is the gift that keeps on giving! With flexible features and member-friendly benefits, make the most of your holiday season and your home’s equity with a HELOC.
• Fixed- and variable-rate options available
• Interest-only payment feature
• No closing costs*
• Convenient revolving line of credit
• Funds accessible by check, card or digital banking

Getting started is easy! Give us a call or apply online for a HELOC 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 10/01/25 and are subject to change without notice. Limited-time offer subject to end without notice. Certain conditions and restrictions apply.

As the leaves change, you may be ready to turn over a new leaf too! Although your car may be ready for pumpkin patch trips and scenic drives, your loan might be due for a fall refresh. Refinancing your auto loan could help you rake in some serious savings this season.

Grab a cup of cider and crunch the numbers! Your fall savings await:
• No payments for 90 days
• Terms up to 84 months

This fall, give your budget a boost! Apply online or give us a call 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. This 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.

Want to spread more holiday cheer this season? A holiday loan from Partner Colorado can help! With the hustle and bustle of the holiday season upon us, holiday loans can provide some much-needed relief. Use a holiday loan to buy gifts, fund your holiday travel or even take a vacation! Check out these great features:

• $1,200 loan
• 12.00% APR for 12 months*

Apply between October 1 and December 31, 2025, to take advantage of this offer.

Give yourself a present this season with a holiday loan! Stop by a branch or call us to get started.

*APR=Annual Percentage Rate. Certain conditions and restrictions apply. Must qualify through normal underwriting guidelines and credit criteria. Members must apply online and close via DocuSign to receive a rate of 12.00%; otherwise, the rate will be 16.00% APR. Valid between October 1, 2025 and December 31, 2025.

Ho, ho, ho! Santa’s coming to town! Children will have the opportunity to meet and take pictures with Santa and Big Buck! Sweets and treats will be served, and gifts for the children will be available while supplies last!*

When: December 6, 2025, from 9:00 am to 12:00 pm
Where: Arvada Branch, 6221 Sheridan Blvd.
What: Pictures and letters with Santa Get your Christmas list ready!

We can’t wait to see you there. learn more learn more

*One gift per child while supplies last.

The Nominating Committee is seeking qualified volunteers to provide guidance and leadership for Partner Colorado and our 33,318 members. All members are encouraged to participate, either by voting or by running for one of the two available Board of Directors seats. The volunteer position requires attendance at monthly meetings held on the fourth Thursday of each month from 3:00 pm to 7:00 pm and a term of three years, in addition to training requirements and specific committee assignments.

Prior to the Annual Meeting, an election will be held by ballot for all contested positions. The ballot will be sent at least 25 days before the Annual Meeting scheduled in May 2026.

If you’re interested in being nominated, contact Billie Easter at 303.422.6221, ext. 3264 or via email at EasterB@ partnercoloradocu.org. All applications must be received before December 1, 2025. A list of nominees will be published for the membership in the next Insights Newsletter.

Scammers are becoming increasingly cunning and clever. The best way to stay vigilant is to stay informed! Partner Colorado is teaming up with the City and County of Denver to present a free workshop to help increase awareness and prevent scams and financial exploitation. The workshop will discuss:

• Real-life examples of financial crimes
• Specific scam trends
• Current red flags to look out for
• Participant Q&A

DATES AND LOCATIONS:
Aurora Branch
Tuesday, October 21 @ 5:00 pm – 6:00 pm
998 S. Chambers Rd.

Arvada Branch
Tuesday, December 2 @ 5:00 pm – 6:00 pm
6221 Sheridan Blvd.

We will be closed on the following days:
• Columbus Day—Monday, October 13
• Veterans Day—Tuesday, November 11
• Thanksgiving Day—Thursday, November 27
• Chirstmas Day—Thursday, December 25
• New Year's Day—Thursday, January 1

Early Closures:
• Day After Thanksgiving—Friday, November 28, closing at 1:00 pm
• Christmas Eve—Wednesday, December 24, closing at 1:00 pm
• New Year's Eve—Wednesday, December 31, closing at 3:00 pm