Rates

* Annual Percentage Rates listed above are the lowest rates available. Actual rates may be higher depending on a number of factors including borrower's credit history, collateral, and term of the loan. Payment example: 60 monthly payments of $19.33 per $1,000 borrowed based on a 5.99% rate. Terms offered may vary depending on dollar amount, length of loan, and type of collateral offered, if any. Rates and terms offered for loans secured by real estate are based on owner-occupancy. Higher rates and/or restrictions apply for non-owner occupied property.

**Variable Rate. HELOC rate based on Wall Street Journal Prime Rate, plus or minus a margin (currently -1.00% to +4.00%) . Floor rate is 3.50% and ceiling is 18.00% APR. Home Equity Line of Credit Payment Example: Loan of $50,000 at 6.00% APR will have a monthly payment of 500 during the draw period and a monthly payment of $555.18 during the repayment period. Property and/or flood insurance may be required.

For information on any of our loan products, contact a Financial Consultant at (303) 340-3343 or 1 (800) 933-5839, or via e-mail at info@FitzsimonsCU.com.

APR is Annual Percentage Rate (APR). Best Rate may vary based on personal credit history, value of collateral, loan to value (LTV), terms, and other factors. Fitzsimons Credit Union provides details upon completion of a loan application. Rates are subject to change without notice. Fitzsimons Credit Union membership is required.

^ Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, PIN-based, signature based transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Visit us at FitzsimonsCU.com or call us at 303-340-3343 to speak to a member service representative for specific Monthly Qualification Cycle dates. Reward Information: When your Kasasa Cash/Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 receive a non-compounding APY* of 3.00% and daily balances over $25,000 earn a dividend rate of 0.25% on the portion of the daily balance over $25,000, resulting in a range from 3.00% to 0.80% APY depending on the account's daily balance. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash/Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash/Cash Back qualifications are not met, all balances earn 0.05% APY and ATM withdrawal fees are not refunded. Dividends will be credited to your Kasasa Cash/Cash Back account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 03/01/2020 APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Cash/Cash Back account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Additional Information: Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. No minimum deposit is required to open the Kasasa Saver account. Monthly eStatements are a condition of these account(s). See accompanying schedule of Consumer Fees and Changes for fees that may apply to this account. Limit of one (1) account(s) per Social Security Number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Kasasa Cash/Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our member service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA.Trademarks: Kasasa, Kasasa Cash and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.

Note:
1. The Dividend Rate and Annual Percentage Yields set forth above are accurate as of the effective date indicated above. If you wish to obtain current rate information please call the credit union at (303) 340-3343. Fees could reduce earnings on certain accounts. Penalties may be imposed for early withdrawal.

* Money Market Advantage Accounts pay dividends based on a balance limit rate table. The minimum average daily balance required to receive dividends is $2000.

** At least minimum balance must be obtained to receive dividends. For Share Savings accounts, a minimum balance of $250 must be maintained to receive dividends. See Standard Disclosure for balance to earn dividends.

† Additions allowed

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, PIN-based, signature based transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Visit us at FitzsimonsCU.com or call us at 303-340-3343 to speak to a member service representative for specific Monthly Qualification Cycle dates. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to $25,000 in your Kasasa Cash account earn a dividend rate of 2.959% resulting in an APY of 3.00%; and daily balances over $25,000 earn a dividend rate of 0.250% on the portion of the daily balance over $25,000 resulting in a range from 3.00% to 0.80% APY depending on the account's daily balance. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.049% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Dividends will be credited to your Kasasa Cash account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 03/01/2020. APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Additional Information:Membership restrictions may apply. Monthly eStatement enrollment, etc. are a condition of this account. See accompanying schedule of Consumer Fees and Changes for fees that may apply to this account. Limit of one (1) account(s) per Social Security Number. If the previous qualifications outlined are not met in a calendar month, a nominal rate of interest will be earned on the full balance; however, this will be less than the interest rate reward that would be earned if the qualifications are met. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Visit us at FitzsimonsCU.com or call 303-340-3343 to speak to a member service representative for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA. Trademarks: Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.

1. The Dividend Rate and Annual Percentage Yields set forth above are accurate as of the effective date indicated above. If you wish to obtain current rate information please call the credit union at (303) 340-3343. Fees could reduce earnings on certain accounts. Penalties may be imposed for early withdrawal.
** At least minimum balance must be obtained to receive dividends. For Share Savings accounts, a minimum balance of $250 must be maintained to receive dividends. See Standard Disclosure for balance to earn dividends.