Partner Colorado Credit Union 12-Month Jumbo Almost A Rate Leader


Deal Summary: 12-month Jumbo CD, 2.10% APY, $100k minimum deposit.

Availability: Easy membership requirement

In the past 48 hours, a variety of rate changes have had an impact on this week’s CD Rates Summary. Following the 30 bps rate decrease on Veridian Credit Union’s 12-month Jumbo CD Special, Partner Colorado Credit Union’s 12-month Jumbo CD (2.10% APY) is nearing the top of the nationally available one-year CD category. The minimum opening deposit is $100k, with no stated balance cap. The 12-month is also available as a Baby Jumbo CD (1.95% APY, $25k min) and Regular CD (1.90% APY, $500 min).

All three iterations of the 12-month are available as IRAs (Tradtional, Roth, CESA, SEP), earning the same APYs with the same funding requirements.

As stated in the fine print on the Savings Rates page, the Early Withdrawal Penalty reads as follows,

The penalty will be equal to 90 days of interest for certificate terms of
12 months or less and 180 days of interest for certificate terms over 12 months.

High-Interest Checking

The High-Interest Checking account currently earns 3.50% APY on qualifying balances up to $10k.

While the maximum potential annual earnings of $350 may not be reason enough to join Partner Colorado, if you’re considering opening a 12-month Jumbo CD, the High-Interest Checking account would be a profitable companion account.

The monthly qualifying requirements include,

  • At least 20 signature-based debit card transactions ($5 minimum)
  • Receive eStatements
  • Use online or mobile banking, along with a valid e-mail address

The High-Interest Checking account has no minimum opening deposit requirement or monthly service fee. However, a $5 Non-Qualified Account Fee applies if the monthly requirements are not met. Paper statements are not available and there is no reimbursement of ATM fees. There is a limit of one High-Interest Checking account per Social Security number.


Headquartered in the Denver suburb of Arvada, Partner Colorado Credit Union offers membership through a variety of ways, with virtually all U.S. citizens qualifying.

Easy Membership: Individuals who don’t qualify for membership through employment or residency can join by making a $5 contribution to the Consumers United Association, which can be done during the application process.

Residency: Individuals who live or work in the Colorado counties of Adams, Arapahoe, Denver, Douglas, or Jefferson qualify for membership.

Employment: Individuals who work for one of Partner Colorado’s 160+ SEGs are eligible for membership, as are active and retired employees of Colorado Postal Service, Denver Water, and HealthONE. Employees of restaurants and other businesses that belong to the Colorado Restaurants Association (CRA) also qualify for membership.

Relationship: Immediate family and household members of current Partner Colorado members are eligible to join, as are immediate family and household members of any SEG employees, regardless if the employee is a Credit Union member or not.

Complete details concerning membership eligibility are available on the How to Join page.

Joining Partner Colorado and/or opening a Jumbo CD can be done online, or at any of the six Colorado branches located in Arvada, Aurora, Denver (3), and Littleton.

Opening a Primary Savings account with a $5 minimum deposit establishes a membership with Partner Colorado, but a minimum $25 balance is required to earn any dividends.

Partner Colorado is a participating member of the CO-OP Shared Branch network, providing members with,

access to your accounts at thousands of CO-OP Shared Branch
locations and free ATM access throughout the United States.

Credit Union Overview

Partner Colorado Credit Union has an overall health grade of "A+" at, with a Texas Ratio of 2.34% (excellent) based on September 30, 2019 data. In the past year, Partner Colorado increased its total non-brokered deposits by $24.52 million, an excellent annual growth rate of 6.94%. Please refer to our financial overview of Partner Colorado Credit Union (NCUA Charter # 62903) for more details.

Founded in 2010, Partner Colorado Credit Union came into existence when three Denver area credit unions (Denver Water Credit Union, HealthONE Federal Credit Union, and Denver Postal/Eagle Legacy Credit Union) pooled their resources, while maintaining member affiliation and affinity. Partner Colorado is currently the tenth largest credit union in Colorado, with more than 36,000 members and assets in excess of $432 million.

How the Jumbo CD Compares

When compared to 152 similar length-of-term CDs tracked by that are available nationwide, Partner Financial Credit Union's 12-month Jumbo CD APY currently ranks second, regardless of minimum deposit requirements.

The above rates are accurate as of 3/12/2019.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table page.

Related Pages: Denver checking accounts, reward checking accounts, 1-year CD rates, nationwide deals

Partner Colorado CU Ups High-Interest Checking To 3.50% APY
Deal Summary: High-Interest Checking, 3.50% APY on qualifying balances up to $10k.

Availability: Easy membership requirement

Earlier this month, Partner Colorado Credit Union (Partner Colorado) raised the rate on its High-Interest Checking account to 3.50% APY on qualifying balances up to $10k. (While the cap is low, the APY is definitely competitive.) Qualifying balances between $10k-$25k earn 0.50% APY, with qualifying balances over $25k and non-qualify balances both earning 0.10% APY.

Qualifying Requirements

Since I last wrote about the High-Interest Checking account in 2013, the qualifying...

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Partner Colorado Credit Union (Easy Membership) Adds Celebrate CDs
Availability: Easy membership requirement

Partner Colorado Credit Union (Partner Colorado) is currently featuring its 12-month Celebrate CD (1.25% APY) and 24-month Celebrate CD (1.55% APY). The minimum opening deposit for either CD is $500.

Although not labeled with the Celebrate moniker, both Celebrate CDs are also available as IRAs (Traditional), earning the same APYs with the same funding requirements.

As stated on the Celebrate CD promotion page, the Early Withdrawal Penalty reads as follows:


Headquartered in the Denver suburb of Arvada, Partner Colorado Credit...

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Competitive Reward Checking at Partner Colorado Credit Union - CO Only

Partner Colorado Credit Union has a reward checking account that it calls High Interest Checking. It has a competitive rate for reward checking accounts, but the account has a few downsides. It may appeal to some Colorado residents looking for a top rate at a local credit union. Below is a summary of the High Interest Checking rates and features. The rates are listed in the credit union’s rates page. The features are based on feedback from the credit union CSRs. These are accurate as of 4/12/2013:

  • 3.00% APY for balances...
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