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1075 Acoma St
Denver, CO 80204-4034

Denver Community Credit Union is headquartered in Denver and is the 13st largest credit union in the state of Colorado. It is also the 769th largest credit union in the nation. It was established in 1934 and as of March of 2014, it had grown to 68 employees and 25,205 members. Denver Community Credit Union's savings rates are 10X the national average, and it boasts a A+ health rating.

Field of Membership Restrictions

Must live, works in Adams, Arapahoe, or Denver County. - See Details

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Reviews (1)

Good Customer Service And CD Rates

Even though I don't live in Colorado any longer, I was able to join Denver Community CU based on my father's membership there. 

The online membership process was pretty straightforward and smooth, though there was a small issue getting my scanned ID's uploaded properly to Denver CCU. Once I was a member, it took several phone calls to get the proper login credentials for online access.

I transferred some money from a Traditional Rollover IRA and a Roth IRA to IRA 5 year CD's at Denver CCU.  The transfer process went smoothly. 

CD's at Denver CCU have several features that were appealing to me:
Jumbo CD rates start at $50K instead of the more typical $100K Additional money can be added to CD with terms longer than 36 months in amounts as low as $25 Early withdrawal penalty is only 180 days instead of the more typical 365 days for 5 year CD Denver CCU's IT infrastructure is a bit outdated, but functional.  Their website is pretty primitive, but functional.  I recommend Denver Community CU to those that can qualify for membership.

I gave Denver CCU only 4 out of 5 start due to their outdated IT infrastructure.  The customer service has been 5 star!


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Denver Community Credit Union had $529,000 in non-current loans and owned real-estate with $37.28 million in equity and loan loss allowances on hand to cover it. This gives Denver Community Credit Union a Texas Ratio of 1.42% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Denver Community Credit Union decreased dramatically from 2.55% as of March 31, 2013 to 1.42% as of March 31, 2014, resulting in a positive change of 44.42%.This indicates that the balance sheet and financial strength for Denver Community Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Denver Community Credit Union has increased its total deposits by $10.95 million, resulting in 5.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Denver Community Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Denver Community Credit Union has $263.94 million in assets with $37.28 million in equity, resulting in a capitalization level of 14.13%, which is excellent.

Institution Statistics

NCUA #68616
Year Chartered1934
Primary Regulator
Assets and Liabilities
Assets$263.94 million
Loans$126.39 million
Deposits$225.59 million
Equity Capital$36.14 million
Loan Loss Allowance$1.14 million
Unbacked Noncurrent Loans$529,000
Real Estate Owned$0
Historic Data - March 2013
Assets$250.21 million
Equity Capital$32.68 million
Loan Loss Allowance$1.41 million
Unbacked Noncurrent Loans$529,000
Real Estate Owned$230,000
Profit Margin - Quarterly
Net Interest Margin1.51%
Return on Assets0.71%
Return on Equity5.21%
Interest Income$2.16 million
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Denver Community Credit Union Savings Account Rates

5.28%--Mile High APY
0.25%$50k$100kHealth Savings Account
0.10%$100-Share Savings
0.10%--Holiday Club
0.10%--Vacation Club
0.10%--Second Savings

Denver Community Credit Union Money Market Rates

0.30%$100k-Tiered Money Market
0.30%$100k-Business Money Market
0.25%$50k$100kIRA Tiered Money Market
0.25%$50k$100kRoth IRA Tiered Money Market
0.25%$50k$100kCoverdell Tiered Money Market

Denver Community Credit Union CD Rates

1.90%$50k-60 Month Share Certificate
1.50%$50k-48-59 Month Share Certificate
1.25%$50k-36-47 Month Share Certificate
0.90%$100-24-35 Month Share Certificate
0.50%$100-12-23 Month Share Certificate
0.30%$100-6-11 Month Share Certificate
0.15%$100-3-5 Month Share Certificate

Denver Community Credit Union IRA Rates

1.90%$50k-60 Month IRA Share Certificate
1.50%$50k-48-59 Month IRA Share Certificate
1.25%$50k-36-47 Month IRA Share Certificate
0.90%$100-24-35 Month IRA Share Certificate
0.50%$100-12-23 Month IRA Share Certificate
0.30%$100-6-11 Month IRA Share Certificate
0.15%$100-3-5 Month IRA Share Certificate

Denver Community Credit Union Locations
Branch Office15460 Andrews DrDenver, CO 80239-5737
Branch Office1075 Acoma StDenver, CO 80204-4034
Branch Office1095 Federal BlvdDenver, CO 80204