Rates

Savings & Share Certificates

Savings

   DIVIDEND Rate APY*
 Primary Savings 0.00% 0.00% 
 Primary Savings (>$250 balance) 0.05%  0.05% 
 Additional Savings 0.00%  0.00% 
 Additional Savings (>$250 balance) 0.05%  0.05% 

High Yield Savings

 OPENING BALANCE DIVIDEND Rate APY*

$5,000-$24,999

 0.15% 0.15% 

$25,000-$49,999 

 0.20%  0.20% 

$50,000-$99,999

 0.25%  0.25% 

$100,000 or greater

 0.35%  0.35% 

12 Month Share Certificate

 Opening Balance DIVIDEND Rate  APY* 
 $1,000-$9,999 0.60%  0.60% 
 $10,000-$49,999

1.24%

1.25% 
 $50,000-$99,999 1.49%  1.50%
 $100,000 or greater 1.74%  1.75% 

24 Month Share Certificate

Opening Balance  DIVIDEND Rate  APY* 
 $5,000-$9,999 1.00%  1.00% 
 $10,000-$49,999 1.49%  1.50% 
 $50,000-$99,999 1.74%  1.75%
 $100,000 or greater 1.98%  2.00%

36 Month Share Certificate

 Opening Balance DIVIDEND Rate  APY* 
 $5,000-$24,999 1.50%  1.51% 
 $25,000-$49,999 1.50%  1.51% 
 $50,000-$99,999 1.50%  1.51% 
 $100,000 or greater 1.50%  1.51% 

48 Month Share Certificate

Opening Balance DIVIDEND Rate  APY*
 $5,000-$9,999 2.00%  2.02% 
 $10,000-$49,999 2.25%  2.27% 
 $50,000-$99,999 2.25%  2.27% 
 $100,000 or greater 2.40%  2.42% 

60 Month Share Certificate

 Opening Balance DIVIDEND Rate  APY*
 $5,000-$9,999 2.10%  2.12% 
 $10,000-$49,999 2.35%  2.37% 
 $50,000-$99,999 2.35%  2.37% 
 $100,000 or greater 2.49%  2.52% 

Auto Purchase

CREDIT SCORE  RATE  LTV
 740+ 2.99%  100% of MSRP 
 720-739 3.54%  100% of MSRP 
 700-719 4.99%  90% of MSRP 
 680-699 5.99%  90% of MSRP 
 660-679  8.75% 90% of MSRP 
 640-659 13.00%  90% of MSRP 
 600-639 16.00%  70% of MSRP 

Auto Refinance

CREDIT SCORE   12-24 Months 25-60 Months 
 740+ 1.90% 2.85% 
 720-739 1.90%  2.85% 
700-719  3.85%  3.85% 
680-699 3.85%  3.85% 
660-679  7.00%  7.00% 
640-659 9.50%  9.50% 
639>  10.50%  10.50% 


Home Equity Loan Products

Red Rocks Institution ID-412773

Home Equity Option

  APR** 
 Up to 89.9% LTV 4.50% 

Home Equity Loans

   APR**
Up to 89.9% LTV  4.99% 

Home Equity Line of Credit (HELOC)

  APR** 
Up to 89.9% LTV  4.50% 


Red Rocks Platinum VISA

Credit Cards

Credit Card Options APR**
 Rewards Option 12.90% 
 Low-Rate Option 10.90%


Signature Loans

   APR** Term
Signature Loan  8.50%  Up to 48 mo. 


Overdraft Lines of Credit

   APR**
Overdraft Line of Credit  Variable - Prime plus 12.00% 

*Annual Percentage Yield. Fees could reduce earnings on the account.
**Annual Percentage Rate