Certificates & IRAs

Savings Accounts
Type of Account	Min. to Open	Minimum to obtain APY	APY¹
Prime Share	$5	$5	0.05%
Holiday²	$0	$5	1.25%
Uniform Transfer to Minors	$5	$5	0.05%
Special Share (Savings)	$0	$5	0.05%
Multiple Share	$5	$5	0.05%
Representative Payee	$5	$5	0.05%
Secured Card Share (Savings)	$5	$5	0.05%
Trust Share	$5	$5	0.05%
Business Savings	$5	$5	0.05%

Compounds Monthly

¹ The Annual Percentage Yield (APY) is the total amount of the dividends paid to be paid on the account. The rate calculated on the interest rate and frequency of compounding for an annual period. Fees could reduce earnings on the account. There is no minimum balance required to obtain this APY. Rate could change after account is opened.

² Holiday Savings Account compounds at maturity and has a $5.00 minimum balance to obtain APY.

³ The dividend rate & APY are variable and current as of 12/01/2024

Federally Insured by NCUA

Youth Share Accounts (Age 0-17)
Tier	Min. to Open³	Dividend Rate²	APY¹
First Tier	$5 up to $1,000	2.00%	2.01%
Second Tier	$1,000.01 and above	0.05%	0.05%

Compounds Monthly

¹The Annual Percentage Yield (APY) is the total amount of the dividends paid to be paid on the account. The rate calculated on the interest rate and frequency of compounding for an annual period. Fees could reduce earnings on the account. There is no minimum balance required to obtain this APY. Rate could change after account is opened.

² The dividend rate and APY are variable and current as of 12/01/2024

³ Youth Account has a $5.00 minimum balance to open.

Federally Insured by NCUA

Money Market Accounts
Tiers:	Min. Bal. to Obtain APY	APY¹
First Tier	$1,000 - $2,499.99	0.05%
Second Tier	$2,500 - $9,999.99	0.20%
Third Tier	$10,000 - $24,999.99	0.25%
Fourth Tier	$25,000 - $44,999.99	0.30%
Fifth Tier	$45,000 - $99,999.99	0.35%
Sixth Tier	$100,000 and over	0.40%

Compounds Monthly

The Interest APY is variable and current as of 12/01/2024

¹ The Annual Percentage Yield (APY) is the total amount of the dividends paid to be paid on the account. The rate calculated on the interest rate and frequency of compounding for an annual period. Fees could reduce earnings on the account. Rate could change after account is opened.
Minimum to open is $0.

Federally Insured by NCUA

Certificates
Term²	Min. Balance to obtain APY	APY¹
3 Month	$500	1.00%
3 Month	$10,000	1.35%
6 Month	$5,000	4.25%
1 Year	$1,000	4.00%
18 Month	$1,000	3.75%
2 Year	$1,000	3.65%
12 Month Starter Certificate	$25	2.40%
24 Month Starter Certificate	$25	3.00%
2-1/2 Year	$1,000	3.80%
4 Year	$1,000	3.10%
5 Year	$1,000	3.50%
5 Year	$10,000	3.50%

Compounds Monthly

¹ The Annual Percentage Yield (APY) is the total amount of the dividends paid on the account. The rate calculated on the interest rate and frequency of compounding, for the term of the certificate.

² Early withdrawal penalties may apply on Certificates and fees may reduce earnings.

The Interest APY is variable and current as of 12/01/2024

Federally Insured by NCUA

Interest Checking²
Type of Account	Min. to Obtain APY	APY¹
Interest Checking	$1,000	0.10%

Interest Rewards Checking³
Tiers	Min. to Obtain APY	APY¹
First Tier⁴	Up to $10,000.00	5.00%
Second Tier	$10,000.01 and over	0.20%

Compounds Monthly

The Interest APY is variable and current as of 12/01/2024

² Interest Checking has a $1,000 minimum to open and to earn APY. If balance drops below the minimum, a $10 fee will be assessed.

³ Interest Rewards Checking APY earned when minimum monthly requirements are met: At least 15 debit card transactions, a direct deposit or automatic credit electronically posted to the account and be enrolled in eStatements to be eligible to receive higher interest rate and ATM refunds up to $25.

⁴ If monthly qualifications are met in a calendar month, a higher rate of interest will be paid on balances up to $10,000 and a lower rate of interest will be paid on balances of $10,000.01 and above.

Federally Insured by NCUA

High Yield Money Market Accounts
Tiers:	Min. Bal. to Obtain APY	APY¹
First Tier	$0 - $9,999.99	0.00%
Second Tier	$10,000 - $24,999.99	0.50%
Third Tier	$25,000 - $44,999.99	0.60%
Fourth Tier	$45,000 - $99,999.99	0.75%
Fifth Tier	$100,000 and over	1.00%

Compounds Monthly

¹APY - The Annual Percentage Yield (APY) is the total amount of the dividends paid to be paid on the account. The rate calculated on the interest rate and frequency of compounding for an annual period. Fees could reduce earnings on the account. Rate could change after account is opened.

Rates are current as of 12/01/2024

Minimum amount to open $0

A fee will be assessed each month the balance is below the minimum $10,000. A fee will be imposed for more than three withdrawals or transfers per month. Please refer to our Rate & Fee Schedule for fees associated with this account.

IRA/ESA Certificates
Term	Min. Balance to obtain APY	APY¹
6 Month	$1,000	4.25%
1 Year	$1,000	4.00%
2-1/2 Year	$1,000	3.80%
5 Year	$1,000	3.50%
7 Year	$1,000	3.55%

Compounds Monthly

¹ The Annual Percentage Yield (APY) is the total amount of the dividends paid to be paid on the account. The rate calculated on the interest rate and frequency of compounding for an annual period. Fees could reduce earnings on the account. Rate could change after account is opened. Early withdrawal penalties may apply on Certificates.

² The Interest APY is variable and current as of 12/01/2024

Federally Insured by NCUA

IRA/ESA Accounts
Tier	Min. Balance to obtain APY	APY¹
First Tier	$0 - $24,999.99	0.85%
Second Tier	$25,000 - $49,999.99	0.90%
Third Tier	$50,000 - $99,999.99	0.95%
Fourth Tier	$100,000 and over	1.00%

Compounds Monthly

The Interest APY is variable and current as of 12/01/2024

¹ The Annual Percentage Yield (APY) is the total amount of the dividends paid on the account per year. The rate calculated on the interest rate and frequency of compounding for an annual period. Fees could reduce earnings on the account. Rate could change after account is opened.

Early withdrawal penalties may apply on IRAs and reduce earnings.

Federally Insured by NCUA

Jumbo Certificates
Term²	Min. Balance to obtain APY	APY¹
30 Day Term	$50,000	1.15%
60 Day Term	$50,000	1.25%
90 Day Term	$50,000	1.40%
180 Day Term	$50,000	2.35%
270 Day Term	$50,000	2.50%
1 Year Term	$50,000	3.25%

Compounds Monthly

¹ The Annual Percentage Yield (APY) is the total amount of the dividends paid on the account. The rate calculated on the interest rate and frequency of compounding, for the term of the certificate.

² Early withdrawal penalties may apply on Certificates and fees may reduce earnings.

The Interest APY is variable and current as of 12/01/2024

Federally Insured by NCUA

Mile High Money Market Accounts
Tiers:	Min. Bal. to Obtain APY	APY¹
First Tier	$0 - $24,999.99	0.00%
Second Tier	$25,000 - $44,999.99	3.10%
Third Tier	$45,000 - $99,999.99	3.35%
Fourth Tier	$100,000 to $249,999.99	3.60%
Fifth Tier	$250,000 and over	3.85%

Compounds Monthly

Rates are current as of 12/01/2024

Minimum amount to open $25,000. A fee will be assessed if the balance falls below the $25,000.00 minimum. A fee will be imposed for more than one (1) withdrawal or transfer per month. Please refer to our Rate & Fee Schedule for fees associated with this account.

Certificates & Jumbo Certificates

Saving for tomorrow isn’t always something most people think about today. We’re here to help make saving for you and your family’s future easier with our Certificates and Jumbo Certificates. We provide you with options to decide what works best for you to be able to put aside money and earn even higher dividends than a traditional savings account.

Certificates

Asian business woman looking at her phone, smiling, holding a cup of coffee Best Rate: 4.25% APY¹ 6 month term

Rates based on a set term so you can find the Certificate that best suits your budget and savings timeframe.

Competitive dividend rates compounded monthly
Terms range from 3 months to 5 years
- $500 minimum to open for 3-month term
6-month certificate has best rate
- $5,000 minimum to open
Starter Certificates - great step up savings vehicle
- Only $25 minimum to open
- 12 & 24-Month term options
- Deposit More Anytime, but no withdrawals until closure

Get started today, give us a call at 303.234.1700 | 800.279.3288. We’ll be happy to help!

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Jumbo Certificates

African American woman working on her laptop Best Rate: 3.25% APY¹

Jumbo Certificates offer the flexibility of shorter term options and higher rates for higher balances.

Competitive dividend rates compounded monthly
Terms range from 30 days to 1 year
$50,000 minimum deposit

Get started today, give us a call at 303.234.1700 | 800.279.3288. We’ll be happy to help!

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Individual Retirement Accounts (IRAs) and IRA Certificates

An Individual Retirement Account (IRA) is a great way to save for your future retirement goals with possible tax advantages.² Whatever your plans for retirement may be, we can help make them a reality with an IRA.

Individual Retirement Account (IRA) Certificates

Man wearing glasses on his cell phone. Best Rate: 4.25% APY¹ 6 month term

With an IRA Certificate you can save for your retirement dreams and earn a great rate! Start saving today and your future self will thank you. Consult a tax advisor for options and tax-advantaged qualifications for IRAs.

Terms range from 6 months to 7 years for IRA Certificates
$1,000 minimum deposit for IRA Certificates
Interest is compounded quarterly

Get started today, give us a call at 303.234.1700 | 800.279.3288. We’ll be happy to help!

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Individual Retirement Account (IRA)

Elderly man and woman smiling at each other Best Rate: 1.00% APY¹

We offer both Traditional IRAs and Roth IRAs. With Traditional IRAs, you deduct contributions now and pay taxes on withdrawals later. With Roth IRAs, you pay taxes on contributions now and get tax-free withdrawals later. Consult a tax advisor for options and tax-advantaged qualifications for IRAs.

Learn more about IRAs and savings for retirement with our Education platform: “It’s a Money Thing.”

Daily deposit IRA options starting at $0
Interest is compounded monthly

Get started today, give us a call at 303.234.1700 | 800.279.3288. We’ll be happy to help!

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Investment & Retirement Center

We also offer our credit union members a dedicated Wealth Management professional to take a fresh look at your investment strategies. Learn more about the Investment & Retirement Center Located at Credit Union of Denver.

Meet our Advisor!

Investment & Retirement Center Located at Credit Union of Denver. Head shot of Shelley Hertel

Shelley Hertel AAMS^®, CRPC^®

Financial Advisor 303.239.1179
Shelley.hertel@lpl.com

Securities are offered through LPL Financial (LPL), a registered broker-dealer (member FINRA/SIPC).

Guided Wealth Portfolios (GWP) is a centrally managed, algorithm-based, investment program sponsored by LPL Financial LLC (LPL). GWP uses proprietary, automated, computer algorithms of FutureAdvisor to generate investment recommendations based upon model portfolios constructed by LPL. FutureAdvisor and LPL are nonaffiliated entities. If you are receiving advisory services in GWP from a separately registered investment advisor firm other than LPL or FutureAdvisor, LPL and FutureAdvisor are not affiliates of such advisor. Both LPL and FutureAdvisor are investment advisors registered with the U.S. Securities and Exchange Commission, and LPL is also a Member FINRA/SIPC.

All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Insurance products are offered through LPL or its licensed affiliates. Investment advice offered through Western Wealth Management, a registered investment adviser and separate entity from LPL. Credit Union of Denver and Investment & Retirement Center Located at Credit Union of Denver are not registered as a broker-dealer or investment adviser. Registered Representatives of LPL offer products and services using Investment & Retirement Center Located at Credit Union of Denver, and may also be employees of Credit Union of Denver. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of Credit Union of Denver or Investment & Retirement Center Located at Credit Union of Denver. Securities and insurance offered through LPL or its affiliates are:

Not insured by NCUA or any other government agency

No credit union guarantee

Not credit union deposits or obligations

May lose value

The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Education Savings Accounts(ESA)

IRA/Coverdell ESA

Coverdell IRA/ESAs - these accounts let you contribute up to $2,000 per year for each child. Your contributions are not tax deductible, but your principal and earnings will not be subject to tax when you withdraw the funds for education expenses. Funds can also be transferred from one child’s account to another child’s account within the family.

Get started today, give us a call at 303.234.1700 | 800.279.3288. We’ll be happy to help!

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This Video explains the many different ways to invest.

¹ APY = Annual Percentage Yield. The APY rate is variable and calculated on the interest rate and frequency of compounding over an annual period. Rates are Current as of 12/01/2024.

² All IRA products and Education Savings Accounts are subject to eligibility requirements as required by the I.R.S. Consult a tax advisor for options and tax advantage qualifications for IRAs. For more details visit www.irs.gov.

Fees could reduce earnings on the account. Early withdrawal penalties may apply on Certificates and Individual Retirement Accounts. Federally Insured by NCUA.

Digital Banking

Digital Banking

Certificates & Jumbo Certificates

Certificates

Jumbo Certificates

Individual Retirement Accounts (IRAs) and IRA Certificates

Individual Retirement Account (IRA) Certificates

Individual Retirement Account (IRA)

Investment & Retirement Center

Meet our Advisor!

Education Savings Accounts(ESA)

IRA/Coverdell ESA