¹ Home Equity Line of Credit. Subject to credit approval, not all borrowers will qualify for the lowest rate. HELOCs have a 20-year term; with a 10-year draw and 10-year repayment period. Variable annual percentage rate (VAPR) will apply and is based on credit worthiness at time of application. Best rate is 0.50% [“Margin”] below Wall Street Journal Prime Rate “Index”] subject to the floor rate of 6.00% and ceiling rate of 18.00%. For example, standard rates of 6.25% up to 12.75% VAPR are current as of 09/01/2026. Rates are subject to change. No closing costs in most cases, but an appraisal fee and/or title insurance (approximate cost $0 - $3,000) may be required at member expense. Not available on refinance of current Credit Union of Denver (C·U·D) mortgage loans. Owner occupied, insured Colorado properties (property insurance required) only. C·U·D Membership Savings of $5 is required. HELOC Disclosure. HMDA Disclosures. Credit Union of Denver NMLS#417000.

² CLTV - Combined Loan to Value

³ Variable Annual Percentage Rate

⁴ Annual Percentage Rate

Not all borrowers will qualify for the lowest rate. Rates are current as of 09/01/2026