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.

1.85%$500-Partner Colorado Credit Union24 Month IRA (Traditional, Roth, CESA, SEP)
1.75%$500-Partner Colorado Credit Union12 Month IRA (Traditional, Roth, CESA, SEP)
Rates as of March 24, 2019.

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:

A penalty equal to 90 days' interest will be assessed on early withdrawals for CD terms of 12 months or less, and a penalty equal to 180 days' interest will be assessed for CD terms over 12 months.


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, Denver, 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 can be done online, at any of eight Colorado branches located in Arvada (2), Aurora, Denver (4), and Littleton. While many of Partner Colorado’s products are available online, the Celebrate CDs must be opened in person or by phone (303.422.6221).

Credit Union Overview

Partner Colorado Credit Union (NCUA Charter # 62903) has an overall health grade of "A+" at, with a Texas ratio of 3.08% (excellent) based on September 30, 2016 data. In the past year, Partner Colorado increased its total non-brokered deposits by $39.25 million, an excellent annual growth rate of 15.3%. Please refer to our financial overview of Partner Colorado Credit Union for more details.

Partner Colorado Credit Union came into being in 2010 when three Denver area credit unions (Denver Water CU, HealthONE FCU, and Denver Postal/Eagle Legacy CU) pooled their resources, while maintaining member affiliation and affinity. Partner Colorado is currently the 11th largest credit union in Colorado, with more than 31,500 members and assets in excess of $325 million.

How the Celebrate CD Compares

When compared to the 190 similar length-of-term CDs tracked by, with similar minimum deposit requirements and nationally available, Partner Colorado Credit Union’s 24-month Celebrate CD APY currently shares the top spot with three other CDs from Veridian CU, Connexus CU, and Bello CU.

The above rates are accurate as of 1/18/2017.

To look for the best nationwide CD rates and the best CD rates in your state, please refer to our CD rates table or our Rates Map page.

Anonymous   |     |   Comment #1
Vanguard has a 2 year brokered CD that is paying 1.55% from Ally, Cap 1 or discover. 10K min no fees. Bank CDs: Can only be held by the issuing bank. Do not have CUSIP numbers. Interest is compounded. Interest penalties if redeemed prior to maturity. May "roll over" into another CD at maturity. FDIC-insured. Stable market value. Brokered CDs: Offered by banks and sold through brokerage firms. Have CUSIP numbers. Similar to bonds. Simple interest paid directly to Vanguard money market fund. Traded in a secondary market. Receive all accrued interest if sold prior to maturity. Can be sold prior to maturity in the secondary market. Does not "roll over" into another CD at maturity. FDIC insured. Fluctuating market value.
Anonymous   |     |   Comment #2
Why would one "bank" with Ally knowing that through its partner there is a lower rate? Ethics 101?
Anonymous   |     |   Comment #3
Typo... higher rate there
Fitz   |     |   Comment #4
Just called this credit union. The CSR stated there was in fact a residency requirement and I could not join with the $5 donation to Consumers United. She was quite rude and would not review the information and disconnected me.
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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