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Routing # 307075259

Rates

Mortgages
Type of Loan Rates as low as (APR4)
1st Place Mortgage ~ 80% CLTV2 5.60%
2nd Mortgage ~ 80% CLTV2 8.09%
2nd Mortgage ~ 90% CLTV2 9.19%
2nd Mortgage ~ 100% CLTV2 N/A
HELOC1 ~ 80% CLTV2 6.75% (current as of 10/01/2025) 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 6.75% up to 13.50% VAPR are current as of 10/01/2025. 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 10/01/2025

New/Used/Autos/Trucks/Classics
Term Rates as low as (APR4)

Up to 60 months

Payment Example New: $18,000 at 5.23%APR for 60 months is $341.58 per month.

5.23% 

61 to 72 months

 5.83%

73 to 84 months

 6.53%
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 10/01/2025

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

4 Annual Percentage Rate

Not all borrowers will qualify for the lowest rate. Rates are current as of 10/01/2025

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 minimum 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 10/01/2025

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 10/01/2025

MasterCard®
Type of Loan Rate (VAPR3)
Platinum 11.49% to 18.49%
Secured 18.49%

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 10/01/2025

Rates are current as of 10/01/2025