--- title: "Options Credit Union Rates (Nov 2026): CDs to 1.00%" description: "Options Credit Union rates today: savings & CDs up to 1.00% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Options Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/colorado/options" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Options Credit Union Rates (Nov 2026): CDs to 1.00% ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 5.190% | — | Standard | Options Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Fixed Rate Personal Loan** personal_unsecured_60mo | — APR | 10.750% | 60 mo | Standard | | **Personal Line of Credit** ploc_variable | — APR | 15.000% | — | Standard | Options Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 3 offers | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 10.900% | — | Standard | | **VISA Credit Cards (B and C)** credit_card | — APR | 14.900% | — | Standard | | **VISA Credit Cards (D and E)** credit_card | — APR | 18.900% | — | Standard | Options Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 23 offers | Product | Published | Rate | Term / condition | Status | | **Sub Account** savings | — APY | 0.01% | — | Standard | | **Membership Share** savings | — APY | 0.03% | — | Standard | | **Money Market Accounts ($2,500-$14,999.99)** money_market | — APY | 0.05% | — | Standard | | **Money Market Accounts ($15,000-$49,999.99)** money_market | — APY | 0.15% | — | Standard | | **Interest Options Checking** checking | — APY | 0.25% | — | Standard | | **Money Market ($50,000+)** money_market | — APY | 0.25% | — | Standard | | **High-Yield Options Account** savings | 1.00% APY | 1.00% | — | Standard | | **Liquid Deposit Options** savings | — APY | 2.70% | — | Standard | | **Premier Advantage Members (18 Months)** cd_18mo | — APY | 2.90% | 18 mo | Standard | | **Premier Advantage Members (12 Months)** cd_12mo | — APY | 3.00% | 12 mo | Standard | | **Premier Advantage Members (24 Months)** cd_24mo | — APY | 3.00% | 24 mo | Standard | | **Premier Advantage Members (36 Months)** cd_36mo | — APY | 3.00% | 36 mo | Standard | | **Premier Advantage Members (48 Months)** cd_48mo | — APY | 3.00% | 48 mo | Standard | | **Premier Advantage Members (06 Months)** cd_6mo | — APY | 3.20% | 6 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 3.40% | 18 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.50% | 48 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 3.50% | 36 mo | Standard | | **12-Month Certificate** cd_12mo | — APY | 3.50% | 12 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 3.50% | 24 mo | Standard | | **Premier Advantage Members (60 Months)** cd_60mo | — APY | 3.60% | 60 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 3.70% | 6 mo | Standard | | **Locked Deposit Options** savings | — APY | 4.10% | — | Standard | | **60-Month Certificate** cd_60mo | — APY | 4.10% | 60 mo | Standard | Options Credit Union savings & cd rates as of November 12, 2026 ### Other rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Mechanical Coverage Loan** other | — % | 7.750% | — | Standard | | **Holiday Options** other | — % | 7.750% | — | Standard | | **Simply Save** other | — % | 9.570% | — | Standard | | **Options Loan** other | — % | 11.750% | — | Standard | | **Freedom Loan** other | — % | 21.000% | — | Standard | Options Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 1.00% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/colorado/options) , verified from [Options Credit Union's official website](https://www.optionscreditunion.com/) Loading branch locator… ## About Options Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 557 Assets $5.4M Founded 1979 Locations reported 1 NCUA charter 65111 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Colorado** Littleton · Littleton · CO · 80127-6345 About 3.6 miles away](https://rateapi.dev/credit-unions/colorado/colorado) [**Ent** Ken Caryl · Littleton · CO · 80127 About 3.7 miles away](https://rateapi.dev/credit-unions/colorado/ent) [**Canvas** Littleton · Littleton · CO · 80127 About 6.1 miles away](https://rateapi.dev/credit-unions/colorado/canvas) [**Red Rocks** Red Rocks CU Waterton Branch · Littleton · CO · 80125-8504 About 6.3 miles away](https://rateapi.dev/credit-unions/colorado/red-rocks) [**Bellco** Southwest · Littleton · CO · 80127 About 7.0 miles away](https://rateapi.dev/credit-unions/colorado/bellco) [**Westerra** LITTLETON BRANCH · Denver · CO · 80123-7307 About 7.5 miles away](https://rateapi.dev/credit-unions/colorado/westerra) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Options Credit Union Membership eligibility from Options Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Options Credit Union's website. Check the membership page below to confirm whether you qualify. - Location CO - Association GoWest Friends of the Foundation, Friends of the Foundation Verified from [Options Credit Union's membership page](https://www.optionscreditunion.com/about-us) . Final membership determination is always made by the credit union. ## Membership rules for Options Credit Union Associations 2 2 published paths to membership, last verified August 27, 2026, quoted from Options Credit Union’s own published criteria. ### Associations 2 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Member of GoWest Friends of the Foundation “Members of the GoWest Friends of the Foundation” > [source ↗](https://www.optionscreditunion.com/about-us) - Member of GoWest Friends of the Foundation - Member of Friends of the Foundation - Lives in state:CO “If you are not currently a member of one of these partners you can join Friends of the Foundation online, and if you reside in Colorado you will then become eligible for membership to Options Credit Union.” > [source ↗](https://www.optionscreditunion.com/about-us) - Member of Friends of the Foundation and Lives in CO Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Options Credit Union? Yes No ## Work at Options Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Options Credit Union ranks against Colorado peers. - See which AI assistants fetched Options Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Colorado - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=options&state=colorado&code=CO&name=Options%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Options Credit Union offer? Options Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Options Credit Union rates updated? RateAPI verifies Options Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Options Credit Union's rate data? Rate data is collected directly from Options Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Options Credit Union's best CD rate? As of November 12, 2026, Options Credit Union offers savings and certificate (CD) yields up to 1.00% APY. ### Who can join Options Credit Union? Options Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 2 associations for Options Credit Union, each quoted from Options Credit Union's own published membership criteria. ## Related Rate Data Compare Options Credit Union's rates against national credit-union benchmarks. [More Colorado credit unions](https://rateapi.dev/credit-unions/colorado) [Colorado auto loan rate leaders](https://rateapi.dev/auto-loan-rates/colorado) [Colorado personal loan leaders](https://rateapi.dev/personal-loan-rates/colorado) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.optionscreditunion.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Options Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Colorado credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Options Credit Union curl "https://api.rateapi.dev/credit-unions/colorado /options " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Options Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/colorado/options Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp