BCS Community Credit Union 15-Month CD Special Earns 2.65% APY


Deal Summary: 15-month Special CD, 2.65% APY, $500 minimum deposit.

Availability: Easy membership requirement for Colorado residents.

BCS Community Credit Union (BCSCU) 15-month Special CD currently earns 2.65% APY. While the rate has been in effect for about ten months, CSR stated there was no indication that the rate would be lowered anytime soon. The minimum opening deposit is $500, with no stated balance cap.

The Special CD is also available as an IRA (Traditional, Roth, CESA, SEP), earning the same APY with the same funding requirements.

As stated in the Truth-in-Savings disclosure, the Early Withdrawal Penalty reads as follows

For all Certificates and IRA Certificates, the amount of the
early withdrawal penalty for your account is 180 days’ dividends.


Headquartered in Wheat Ridge (a western suburb of Denver), BCS Community Credit Union’s field of membership (FOM) includes all Colorado residents through membership in the Consumers United Association ($5 fee). "CUA helps and educates its members and advocates for consumers to ensure better financial futures for all."

Also qualifying for BCSCU membership include the following:

  • Individuals who live, work, or worship in the City of Wheat Ridge.
  • Employees of Burlington Northern Santa Fe Railroad, Union Pacific Railroad, or Amtrak.
  • Members of Emmaus Lutheran Church (Denver) or St. Luke’s Lutheran Church (Golden).
  • Students enrolled in Emmaus Lutheran Church School or Early Learning Center (Denver).
  • Immediate family members (spouse, sibling, child, parent) of a current BCS member.
  • Joining BCSCU can be done online or at the single Colorado branch located on Wadsworth Boulevard in Wheat Ridge.

    Opening a Special CD can be done in-branch or by phone (303.425.66278) following the approval of the online application.

    As a condition of membership, you must purchase
    and maintain the minimum required share(s) of $25.00.

    There is a $10 fee for every month that the Share Account balance is below $25.

    BCSCU is part of the CO-OP Shared Branch Network, giving members access to their accounts with in-person, live-teller transactions at most locations.

    With more than 5,671 physical locations, the CO-OP Shared Branch Network is the nation’s second largest financial branch network, even more than all but one of the national mega-banks.

    Credit Union Overview

    BCS Community Credit Union has an overall health grade of "B" at DepositAccounts.com, with a Texas Ratio of 0.28% (excellent) based on June 30, 2019 data. In the past year, BCS has decreased its total non-brokered deposits by $-299,000, an average annual growth rate of -1.55%. Please refer to our financial overview of BCS Community Credit Union (NCUA Charter # 66037) for more details.

    Established in 1938, BCS Community Credit Union’s original FOM was exclusive to the employees of the Colorado and Southern Railroad. As a result of a series of railroad and credit union mergers, the Credit Union rebranded as BCS Community. (BCS is an acronym for Burlington Colorado Southern.)

    In 2004, BCSCU was a founding member of Credit Union Resource Group (CURG), a credit union service organization (CUSO) established by 15 credit unions. According to a CUTimes article,

    Before the CUSO’s existence, BCS Community CU operated an in-house data processing system, which resulted in an overload of back-office work, a frequent need for repairs, security risks and second-tier products and services. Additionally, BCS Community CU lacked a robust disaster recovery system and it could not sync its multiple banking platforms nor join the co-op shared branching network.

    Banding together with other small CUs, some of which were experiencing the same difficulties, has enabled BCS Community CU to have more influence over large vendors. Now, the CU uses the services of CURG partner vendor INTECH, a vendor that serves large credit unions, at the same cost of its old in-house system. As a result, BCS Community CU enjoys automated data processing, integrated banking platforms that are updated in real time, a reduction in in-house labor, robust security and lower benefits and insurance costs.

    How the Special CD Compare

    When compared to 228 similar length-of-term CDs tracked by DepositAccounts.com that required a similar minimum deposit and are available to Colorado residents, BCS Community Credit Union's 15-month Special CD APY currently ranks third.

    The above rates are accurate as of 9/10/2019.

    Looking for the best CD rates, either nationwide or state specific? Please refer to DepositAccounts.com’s CD Rates Table.

    Related Pages: Denver CD rates, 1-year CD rates

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