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.

3.50*%-$10kPartner Colorado Credit UnionHigh Interest Checking
OTHER TIERS: 0.10% $25k+ | 0.50% $10k - $25k
Rates as of January 25, 2020.

Qualifying Requirements

Since I last wrote about the High-Interest Checking account in 2013, the qualifying requirements haven’t changed, but a $5 Non-Qualified Account Fee applies if the following monthly requirements are not met:

  • 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. 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.

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 High-Interest Checking account can be done online, or at any of the eight Colorado branches located in Arvada (2), Aurora, Denver (4), 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 2.69% (excellent) based on December 31, 2018 data. In the past year, Partner Colorado increased its total non-brokered deposits by $59.79 million, an excellent annual growth rate of 19.23%. Please refer to our financial overview of Partner Colorado Credit Union (NCUA Charter # 62903) for more details.

Partner Colorado Credit Union came about in 2010 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 34,400 members and assets in excess of $417 million.

How the High-Interest Checking Compares

When compared to 57 High Yield Reward Checking Accounts tracked by that are available nationwide and have maximum qualifying balances of at least $10k, Partner Colorado Credit Union’s High Interest Checking APY currently ranks third.

The above rates are accurate as of 5/15/2019.

To look for the best Reward Checking Account rates, both nationwide and state specific, please refer to our High Yield Reward Checking Account Rates Table page.

Related Pages: Denver checking accounts, reward checking accounts, nationwide deals

Svensk   |     |   Comment #1
Too much work bookkeeping for such a low maximum..(20 $5 debits?!!) Orion CU is the way to go with 4% up to $30K. Eight card card debits and transfer $500 out and back in each month. Easey peasey....
gregk   |     |   Comment #2
TAB Bank offers 4% up to $50,000 (with only 8 $5 debits required, - and without Orion's $500 per month ACH demand). For me, at least, that's the best RCA offer out there.
gregk   |     |   Comment #3
Excuse me, TAB does require 12 (not 8) $5 debit card transactions per statement cycle.
Still beats Orion for my money.
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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