Red Rocks Current Deposit and Loan Rates
All rates are current as of November 1, 2024, and may be subject to change without notice.
Deposit Rates
CD Balances up to $99,999
| Terms | Div. Rate | APY* |
| 6-Months | 4.17% | 4.25% |
| 12-Months | 3.93% | 4.00% |
| 24-Months | 3.20% | 3.25% |
| 36-Months | 2.96% | 3.00% |
| 48-Months | 2.96% | 3.00% |
| 60-Months | 2.96% | 3.00% |
CD balances over $100,000+
| Terms | Div. Rate | APY* |
| 6-Months | 4.27% | 4.35% |
| 12-Months | 4.02% | 4.10% |
| 24-Months | 3.30% | 3.35% |
| 36-Months | 3.06% | 3.10% |
| 48-Months | 3.06% | 3.10% |
| 60-Months | 3.06% | 3.10% |
$500 minimum on all terms.
*APY = Annual Percentage Yield. Penalty imposed for early withdrawals. Fees may reduce earnings. Unless you withdraw or transfer the account funds at maturity or within the 10 calendar day grace period, your account will automatically renew to a certificate with the same term at the non-relationship rate available at that time for that term. APY, terms, and conditions are current as of 08/01/2024 and are subject to change without notice. Membership required.
Long Term Savings
| Minimum Opening/Account Balance | Div. Rate | APY*** |
| $250-$9,999 | 0.05% | 0.05% |
| $10,000-$24,999 | 0.70% | 0.70% |
| $25,000-$49,999 | 0.80% | 0.80% |
| $50,000-$99,999 | 0.90% | 0.90% |
| $100,000-$249,999 | 1.00% | 1.00% |
| $250,000+ | 1.24% | 1.25% |
***APY = Annual Percentage Yield. Long Term Savings is a tiered variable rate account. A fee of $5 per withdrawal will apply for 4 or more withdrawals per month. Rates are subject to change, APY, terms and conditions are accurate as of 9/1/2024. Membership required.
Emergency Savings
| Minimum Opening/Account Balance | Div. Rate | APY* |
| $250+ | 0.05% | 0.05% |
Additional Savings
| Minimum Opening/Account Balance | Div. Rate | APY* |
| $250+ | 0.05% | 0.05% |
*APY = Annual Percentage Yield. Subject to maintenance and/or activity fees. Fees could reduce the earnings on the account. APY, terms, and conditions are current as of 03/01/2024. Rates are variable and subject to change without notice. Membership required.
Reverse Tier Savings
| Minimum Opening/Account Balance | Div. Rate | APY** |
| $0-$2,000 | 7.25% | 7.50% |
| $2,001-$5,000 | 3.45% | 3.50% |
| $5,001-$10,000 | 0.30% | 0.30% |
| $10,001-$50,000 | 0.25% | 0.25% |
| $50,001+ | 0.10% | 0.10% |
**APY, terms, and conditions are accurate as of 11/1/2024 and are subject to change without notice. No minimum to open and no minimum balance required. Limit of one Reverse Tier Savings Account per member. Interest is paid at tier rates on the balances within each tier. Total interest paid is the sum of interest earned from each balance in each tier. APY paid is a blended APY of applicable tiers. Membership eligibility required. All terms and conditions are subject to change without notice. Federally insured by NCUA.
High-Yield Money Marketing Savings Account***
| Minimum Opening/Account Balance | Div. Rate | APY*** |
| $250-$24,999 | 0.05% | 0.05% |
| $25,000-$49,999 | 3.69% | 3.75% |
| $50,000-$249,999 | 3.93% | 4.00% |
| $250,000+ | 4.07% | 4.15% |
***APY = Annual Percentage Yield. High-Yield Money Market Savings is a tiered variable rate account. A fee of $5 per withdrawal will apply for 4 or more withdrawals per month. Rates are subject to change, APY, terms and conditions are accurate as of 9/1/2024. Membership required.
Loan Rates
| Product | APR* |
| Auto Loan Refinances | As low as 6.24% |
| New and Used Auto Loans | As low as 6.24% |
| Recreational Vehicles & Off-Road Vehicles | As low as 10.24% |
| Motorcycle & Dirtbike | As low as 8.74% |
| First Mortgage | Contact us at redrocks.org/contact or give us a call at 303.471.7625 to learn more. |
| Home Equity Line of Credit (HELOC)** | As low as 8.24% |
| Personal Loans*** | As low as 11.00% |
| Credit Card**** | As low as 16.40% |
| Effective 11/13/2024 | |
*APR=Annual Percentage Rate.
**The APR for a Home Equity Line of Credit is variable and based on Prime Rate as published in the Wall Street Journal, plus a margin. The maximum APR is 12.00%. You can obtain credit advances for 120 months (the draw period). During the draw period, payments will be due on a monthly basis. Your minimum monthly payment for variable rate balances will be established at the close of each billing cycle at an amount equal to the greater of 1.00% of your then unpaid balance or all accrued but unpaid Finance Charges incurred during the billing cycle, subject to the lesser of $50.00 or your variable rate balance. HELOC disclosures.
***(APR) is accurate as of publication date and is subject to change. Terms up to 60 months. Payment amount is determined by APR and term. For example, the payment on a $14,000 at 13.00% for 60 months would be $318.54. See credit union for complete details. Published loan rates, terms, and amounts are based on credit approval and are subject to change. Loan amounts of up to $35,000 are available. Minimum loan amount of $1,000. Document fees may apply.
**** Annual Percentage Rate (APR) for the credit card is accurate as of publication date and is subject to change. Published rates are based on approved credit and adjusted monthly based on the highest Prime Rate as published in the Money Rates Section of the Wall Street Journal in effect on the 25th of each month of each year. To determine the APR, we add a margin to the value of the index. To get a Red Rocks Visa credit card, you must be approved for credit and be a member of Red Rocks Credit Union. Other restrictions may apply. Before you apply, view the credit card disclosures and more information about rates, fees, and other costs.
To see full disclosures, click here.