Partner Colorado Credit Union 1.75% APY On Balances Up To $10,000

Update 5/19: Rate reduced to 1.75% from 3%

Update 4/23/20: Rate has increased to 3.5% from 3%. Hat tip to reader Eric

Offer at a glance

  • Interest Rate: Up to 3.5%
  • Minimum Balance: None
  • Maximum Balance: $10,000
  • Availability: Nationwide, see below
  • Direct deposit required: No
  • Additional requirements: See below
  • Hard/soft pull: Hard pull
  • ChexSystems: Unknown
  • Credit card funding: Unknown 
  • Monthly fees: $5, avoidable
  • Insured: NCUA

The Offer

Direct link to offer

  • Partner Colorado Credit Union is offering a 3% APY high interest checking account on balances up to $10,000 when you meet the following requirements:
    • Complete 20 signature based debit card transactions, $5 minimum per transaction
    • Sign up to receive eStatements
    • Use online or mobile banking

partner credit union

The Fine Print

  • 3.00% Annual Percentage Yield (APY) displayed is paid on average daily balances up to $10,000, .50% APY between $10,001-$25,000 and .10% APY on remaining balance and/or non-qualifying accounts.
  • Rate is valid as of 02/01/14, rates are subject to change without giving notice.
  • Non-qualifying High Interest Checking accounts will be assessed a monthly fee, see fee schedule for applicable fees.

Avoiding Fees

According to the fee schedule there is a $5 monthly fee if the requirements are not met.


Must live or work in the Denver area, or you can join nationwide by first joining the Consumers United Association ($5 fee)

Our Verdict

This isn’t worth considering due to the fact you need to make $100 in debit card transactions monthly, there are much better high interest saving account options out there and it being a hard pull doesn’t help either.

Big thanks to reader, Curmudgeon who let us know. Learn how to find bonuses and contribute to the site here.

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Rate is now 1.75% not 3%


DP 5.6.2020 – the link now advertises the account at 1.75% APR.


Is online debit – a la plastiq – counted as a signature purchase?

Completely automated 3.5% on 10k for a $1 monthly cost sounds like a trade I’d make.


If you ignore the requirements and just pay the monthly fee – you’ll still make 2.3% on $10,000.


Did you take into account the tax IRS will take on the original interest rate, before the fees ?


I think if you ignore the requirements then the account only earn 0.10% interest.

john m
john m

With the 20 transactions at $5 each,it’ll never accumulate.


William Charles,

The rate for this account is now 3.5% (I have no idea when it changed). The link you have does not work. Below is the correct link.

I emailed them some questions and they informed me that only Colorado residents are allowed to open an account. Have you heard differently?


It’s a hardpull.

It’d be a cool offer if not for hardpull and not for the fee when not meeting the requirements (which, BTW, appears to be $5/mo as per, not $10/mo as you mention; IMHO, at $10/mo, it’s be way too much of a liability for not meeting the reqs).

David Zirinsky

Alliant Credit union has branches in Chicago and Denver. They offer a 1% APY savings account that has no maximum and requires doing nothing. I’d check that out if you have more than $10,000.


One Percent. That’s crazy to tie up your money for 1%. I’d rather keep in my mattress.