Secured LifeStyle Loan

Mortgages
Type of Loan	Rates as low as (APR⁴)
1st Place Mortgage ~ 80% CLTV²	5.65%
2nd Mortgage ~ 80% CLTV²	8.09%
HELOC¹ ~ 80% CLTV²	6.25% (current as of 09/01/2026) VAPR³
Non-Owner Occupied	8.09%

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

New/Used/Autos/Trucks/Classics
Term	Rates as low as (APR⁴)
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	5.58%
73 to 84 months	6.28%

New/Used/Motorcycles/Classics
Term	Rates as low as (APR⁴)
Up to 60 months Payment Example New: $18,000 max amount at 6.99%APR for 60 months is $356.34 per month.	6.99%
61 to 72 months	7.49%

New & Used RV
Term	Rates as low as (APR⁴)
up to 84 months Payment Example: $9,999 max amount at 7.75%APR for 84 months is $154.60 per month.	7.75%
85 to 120 months	7.85%
121 to 144 months	8.25%
145 to 180 months	8.55%
181 to 240 months	8.75%

⁴ Annual Percentage Rate

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

Savings Secured
Type of Loan	Lowest Rate (APR⁴)	Term
Savings	3.00% above Savings Rate	up to 48 months
Certificate	3.00% above Certificate Rate	up to maturity of Certificate

⁴Annual Percentage Rate

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

Unsecured
Type of Loan	Rates as low as (APR⁴)
Personal Unsecured (up to 36 months) Payment Example: $5,000 max amount at 8.49%APR for 36 months is $157.81 per month.	8.49%
Personal Unsecured (37 to 60 months) Payment Example: $10,000 maximum amount at 10.59%APR for 60 months is $215.39 per month.	10.59%
Overdraft Line of Credit	17.50%

⁴ Annual Percentage Rate

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

Secured Loans
Term	Rates as low as (APR⁴)
Up to 60 months	8.49%

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

MasterCard^®
Type of Loan	Rate (VAPR³)
Platinum	10.74% to 17.74%
Secured	10.74%

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

Tell us what you’re looking to finance — we’ll help you take it from there.

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Features Include:

Competitive rates

Up to 100% financing on new collateral

Terms up to 60 months

Fixed payments with easy online access

Savings or Certificate Secured Loan

Borrow at a low rate — and keep earning interest

Rates as low as: 3.00% APR above your Share or Certificate rate*

Need funds but don’t want to tap into your savings? A Savings or Certificate Secured Loan lets you borrow using your own funds as collateral while still earning interest on your deposit.

This option is also a helpful way to build or rebuild credit.

Why members choose this option:

Share‑secured terms up to 48 months
Certificate‑secured terms up to the maturity of the certificate
Low risk and predictable payments
Continued earnings on your savings

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Disclosures

* APR = Annual Percentage Rate. Rates current as of 09/01/2026 and subject to change. Loan qualification and rate based on creditworthiness. Not all borrowers will qualify for the lowest rate. Membership required.

Current Best Rate: 8.49% APR* (as of 09/01/2026)

Tell us what you’re looking to finance — we’ll help you take it from there.

Features Include:

Competitive rates

Up to 100% financing on new collateral

Terms up to 60 months

Fixed payments with easy online access

Payment example:

Savings or Certificate Secured Loan

Rates as low as: 3.00% APR above your Share or Certificate rate*

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Lifestyle Loans

Auto Equity

Disclosures