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¹ To receive the $225 bonus, open a Cash Rewards Checking account or a Cash Back Rewards Checking account and: (a) deposit $200; (b) have your direct deposit post to your account; (c) post and clear one non-ATM transaction with your Visa® Debit Card within 45 days of account opening. Bonus will be credited into your rewards checking account within 2 business days after meeting the requirements. Offer valid on personal accounts only and limited to 1 account per member. Bonus is considered taxable income. Must mention offer at time of account opening for bonus eligibility. Offer not valid for current Rewards Checking account holders or members with accounts closed within the past 180 days. Accounts closed within 180 days of account opening will be charged a $25 early closure fee. Cannot be combined with another checking account offer or used for an existing checking account. Offer subject to change without notice. Restrictions and requirements apply. Must be a Colorado resident to qualify.

² Examples of qualifying direct deposits include, but are not limited to: payroll, Social Security, pension and government benefits. Deposits made through a teller, ATM, or the AACU mobile app are ineligible direct deposits.

³ Must be approved for a qualifying mortgage product to receive rate reduction. Offer applies to 1st mortgages only. Other restrictions and requirements may apply. Ask a mortgage loan officer for details. Subject to approval. Equal Housing Lender.

⁴ APY=Annual Percentage Yield. $500 minimum balance required to earn dividends. 6 month to 60 month terms available. Fees may reduce earnings. Early withdrawal penalties apply. Rates subject to change.

⁵ Average annual interest refunded calculated based on an average loan balance of $9,612 at an average rate of 12.37% APR. In order to receive the interest refund, You must make your first 12 scheduled monthly payments on time (within the grace period stated in your loan disclosure). First payment due within 45 days of date of loan disbursement. Any late or missed payments will result in interest not being refunded. Restrictions and requirements apply. Subject to approval. We do business in accordance with the Equal Credit Opportunity Act.

⁶ APR=Annual Percentage Rate. Rates may vary depending on applicant’s creditworthiness and term of loan. APR calculation assumes no fees; fees may impact rate and/or term. Payment example: 48 monthly payments of $25.84 per $1,000.00 borrowed at 10.99% APR. Rates and terms are subject to change without notice. Restrictions and requirements apply. Subject to approval. We do business in accordance with the Equal Credit Opportunity Act.

⁷ Estimated annual value based on utilizing all Select Employee Group special offers.

⁸ Average annual earnings based on Cash Back Rewards Checking account rewards paid after 2/1/2024 for qualifying Cash Back Rewards Checking accounts. Earn 10.00% cash back on debit card purchases up to $250 every month when qualifications are met. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. See Account Agreement and Disclosure for qualifications and restrictions.

⁹ Average annual certificate earnings based on an average certificate balance of $32,268, as of 9/30/2024.

¹⁰ Average annual savings based on 30-year 1st mortgage products funded from January, 2024 to September, 2024. The annual rate reduction savings is calculated based on an average loan amount of $509,055.

Membership requirements apply; hundreds of ways to join. Offer expires 5/31/2025.