Summer Insights Newsletter

At Partner Colorado, we believe it’s never too early to begin learning about the value of saving and spending money wisely.

Lil’ Partners and Teen Partners who open a new account between July 1 and September 30 will be entered for a chance to win a $1,000 gift card!¹

Lil' Partners receive:

• $20 deposit to get started on the path to saving²
• Free piggy bank and coloring book with a new account
• Coloring contests with cash prizes
• Special holiday events and more

Teen Partners will receive:

• $20 deposit to get started on the path to saving²
• Mobile Banking App - Their money goes wherever they go
• Teen CDs - Save for their first car, college, etc.
• Automatic "Allowance" Transfers - Schedule transfers from parents' account to teen's account

Build money management and savings habits that last a lifetime. Call, stop by any branch or schedule an appointment today!

¹No 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 July 1 and September 30, 2024. Click here to view the full sweepstakes disclosures. ²Must be a joint owner with parent, grandparent or responsible adult. Certain conditions and restrictions may apply.

Make the Move. Receive 1% Off Closing Costs!

Buying a home is a big decision. Partner Colorado is here to walk you through the process and through your new front door. Not sure what you can afford? Don’t wait another day to make one of your best financial investments.

We have mortgage calculators that can help you get started.

• Payment Calculators
• Home Affordability 
• Loan Comparisons
• And more!

Plus, save an average of $4,500 with 1% off closing costs!^*

Our friendly loan officers are experts at fitting you with the right loan for your dream home. We offer competitive
rates, and flexible terms with both fixed- and adjustable-rate options. This puts more cash in your pocket to furnish and customize your new home just how you want it, like building that deck you’ve always wanted for grilling and chilling.

Call our TruHome Mortgage Specialists at 877.725.8913.

^*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 7/1/2024 and 9/30/2024 and fund by 12/31/2024 to receive a credit on your closing costs.

CDs feature higher rates than most traditional savings accounts. You'll have peace of mind knowing you have a fixed rate that can't fluctuate with the changing terrain or market. 

• Lock in 5.00% APY for a 9-month regular CD or IRA CD¹
• Lock in 4.25% APY for an 18-month regular CD or IRA CD²
• Minimum opening deposit is just $500

Lock in your rate today! Stop by any branch, call us or schedule an appointment to meet with us.

APY=Annual Percentage Yield. ¹The minimum balance to open and earn 5.00% APY on a 9-month CD is $500. Upon maturity, the 9-month CD will revert to a regular 12-month CD and will earn the APY in effect at the time. ²The minimum balance to open and earn 4.25% APY on an 18-month CD is $500. Upon maturity, the 18-month CD will revert to a regular 24-month CD and will earn the APY in effect at the time. Penalties will be imposed for early withdrawals. 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 July 1, 2024. Rates are subject to change without notice. Certain conditions and restrictions may apply.

Partner Colorado is committed to helping your business achieve success. Our dedication shines through in our friendly service and low- or no-cost financial solutions. 

Our Basic Business Checking features:

• No monthly fee
• No minimum balance requirement
• A Visa debit card that earns rewards
• Cash management solutions
• Online and mobile banking app
• And more!

Open a new business checking account and receive $250!^*

Call us today at 303.422.6221 or schedule an appointment to see how we can take your business to the next level.

*Bonus is not available to existing Partner Colorado members. Bonus valid for new business checking accounts opened between July 1 and September 30, 2024. Limit one bonus per account. Activation of a Business Visa Debit Card and enrollment in online/mobile banking are required to receive bonus. All requirements must be met within 30 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. 

HELOC Rate as Low as 5.99% APR for 12 months!

Are you wanting to make some memorable summer adventures, but don’t think it’s possible because you don’t have the funds to cover it? Partner Colorado is here with solutions. And we say, “Yes, it IS possible—with a HELOC.” Take a summer vacation, landscape your yard, remodel your home or create your own outdoor adventures by purchasing an RV, ATV or boat.

For a limited time, get a HELOC at a low rate of 5.99% APR fixed for 12 months^*, plus enjoy:

• No closing costs
• Up to 85% loan-to-value (LTV)*
• A HELOC Visa card to easily access your funds - plus rewards!

Apply online, call us or schedule an appointment today!

*12-month introductory rate is 3.51% Annual Percentage Rate (APR) lower than the current lowest available rate for a fixed-rate HELOC, currently 9.50% APR for 75% LTV. Highest fixed rate is 10.50% APR. Rates are valid as of 06/01/2024. The introductory rate begins on the date the loan is funded and will revert to the current fixed rate at the end of the 12-month introductory period. APR shown is for well-qualified borrowers. Final rate may vary based on creditworthiness. Certain conditions and restrictions may apply. No closing costs in most cases. An upfront appraisal fee of $450.00 may be required at your expense. Subject to credit approval and income verification. Colorado owner-occupied properties only. Minimum credit line and draw of $5,000.00 is required. Rates are based on CLTV (combined loan-to-value) ratio, loan amount and occupancy, so your rate may differ. 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. Refinanced present loans held by Partner Colorado are excluded from promotional offer.

Partner Colorado wants to get you to your next destination by offering up to 1% off your current auto loan rate from another financial institution. That means you’ll have more funds available to fill your gas tank and hit the open road this summer. You’ll also get to skip three auto loan payments. Just another way to enjoy even more extra cash! Think about it—if your auto loan payment is $700, that’s $2,100 in extra cash.

Refinance your auto loan and receive:

• Up to 1.00% off your current rate¹
• No payments for 90 days²
• A rate as low as 6.25% APR³
• Terms up to 84 months

Adventure awaits! Apply online, call us or schedule an  appointment today.

^{APR=Annual Percentage Rate. ¹All loans are subject to member credit qualifications and normal credit and income verification. Rate increase of 2.00% APR will apply if loan term is over 84 months. ²Ninety-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 also not applicable on vehicles older than nine (9) years or with more than 120,000 miles. ³Offer and rates subject to change without notice. Maximum of 120% loan-to-value.}

Register for Partner Colorado Foundation's 19th Annual Golf Tournament

Your participation in our annual golf tournament will help propel Colorado students forward. The Partner Colorado Foundation awards scholarships to deserving college students throughout Colorado. Thanks to your generous support, we have awarded nearly 400 scholarships totaling $600,000!

Where: Arrowhead Golf Club, 10850 Sundown Trail, Littleton, CO
When: Monday, 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 at www.partnercoloradofoundation.org or calling us at 303.431.3429.

Join us for our upcoming free Community Shred Days!

When: Saturday, July 27, 9:00 am-noon
Where: Arvada Branch - 6221 Sheridan Blvd.

When: Saturday, August 24, 9:00 am - noon
Where: Littleton Branch - 5150 S. Federal Blvd.

Please remove any binders or other non-paper items. Paperclips, staples and window envelopes are acceptable.

DO bring the following items:

• Confidential documents and records
• Medical documents
• Bank information
• Receipts
• Credit card statements

DO NOT bring the following items:

• Phonebooks
• Hardcover books
• CDs or DVDs
• Hanging file folders
• Cardboard
• Electronics

Safely dispose of sensitive documents and enter for a chance to win a gift card!^*

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

There are many important financial milestones for consumers in their 20s and 30s. To help prepare today’s “Millennials” for a positive financial future—without sacrificing fun—we take a realistic approach to managing finances. We’ll cover SMART goals, getting financially organized, building a budget, controlling expenses, wiping out debt and much more!

There are two dates to choose from:
Tuesday, July 9 @ 11:30 am–12:30 pm
Thursday, July 18 @ 6:30–7:30 pm

Presented by: Balance

To help increase mindfulness and prevent scams and financial exploitation of the elderly, Partner Colorado Credit Union is teaming up with the City and County of Denver to present a new Elder Abuse Awareness & Prevention Workshop.

Date: Wednesday, July 24
Time: 5:30–6:30 pm
Where: Aurora Branch, 998 S. Chambers Rd.

Presented by: Lynn Lowe, Senior Resource Navigator/Victim Advocate from the City Attorney’s Office

If you’ve been a victim of identity theft or just want to stay prepared, this webinar is a must. You’ll learn about the different types of identity theft as well as proven steps you can take to minimize its impact.

There are two dates to choose from:
Tuesday, August 13 @ 11:30 am–12:30 pm
Thursday, August 22 @ 6:30–7:30 pm

Presented by: Balance

Entrepreneurship is stronger than ever. This webinar covers all the financial aspects of starting and running a
small business. Topics include: types of legal entity structures, writing a business plan, bookkeeping, paying taxes and everything in between.

There are two dates to choose from:
Tuesday, September 10 @ 11:30 am–12:30 pm
Thursday, September 19 @ 6:30–7:30 pm

Presented by: Balance