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
Up to 60 months
Payment Example New: $18,000 at 4.95%APR for 60 months is $339.27 per month.
4.95%
61 to 72 months
73 to 84 months
Payment Example New: $18,000 max amount at 6.99%APR for 60 months is $356.34 per month.
up to 84 months
Payment Example: $9,999 max amount at 7.75%APR for 84 months is $154.60 per month.
85 to 120 months
121 to 144 months
145 to 180 months
181 to 240 months
Personal Unsecured (up to 36 months)
Payment Example: $5,000 max amount at 8.49%APR for 36 months is $157.81 per month.
Personal Unsecured (37 to 60 months)
Payment Example: $10,000 maximum amount at 10.59%APR for 60 months is $215.39 per month.
Secured loans consist of titled trailers (horse, flatbed cargo and craft) and non-titled ATVs, dirt bikes, jet skis and snowmobiles.
4 Annual Percentage Rate Not all borrowers will qualify for the lowest rate. Rates are current as of 09/01/2026
All MasterCard® Credit Cards rates are variable, have no annual fee, no balance transfer fee and earn CURewards™. Foreign Transaction Fee for all debit and credit card transactions made in foreign countries, in foreign currencies, or initiated by phone or Internet with parties located outside of the U.S. 1% fee is calculated on final settlement amount in US dollars.
3 Variable Annual Percentage Rate Not all borrowers will qualify for the lowest rate. Rates are current as of 09/01/2026