Credit Union of Colorado

Overview / Commentary
1390 N Logan St
Denver, CO 80203

Credit Union of Colorado is headquartered in Denver and is the 5th largest credit union in the state of Colorado. It is also the 159th largest credit union in the nation. It was established in 1934 and as of March of 2024, it had grown to 384 employees and 170,806 members at 19 locations. Credit Union of Colorado's money market rates are 8X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Credit Union of Colorado is open to all Colorado residents by joining the Credit Union of Colorado Foundation ($10 donation). Membership is also open to employees (current or retired) of Colorado State government, Colorado school districts, Colorado colleges/universities, or Colorado city/town/county governments.
See current membership details

Reviews (8)

Loved this Bank!

My husband and I used to have checking accounts, a savings account, and a car loan through CUofCO and we had the best experience with them! It was very easy to bank with them from having a location close to our home, having fees waived for ATM usage even if it wasn't their machine, online recurring payments for our auto loan, and a drive up teller that made banking very easy. The tellers were always very pleasant and helpful, and I never had a single complaint during our time banking with them. The only problem was that we moved several states away (nearly 5 years ago), and were unable to keep our accounts open as we did not want to move all of our banking to an online platform. Also, at the time, their online platform was not very advanced, though I am sure it is much more robust by now. Do not hesitate to give them your business - you won't regret it!

Love my credit union

I have been a member of this credit union for 30 years. They have always treated me with dignity and respect. They have all the entities of the large banks , without all the hassle. There have been a few glitches in the past, but too few to hold against them. I have checking and savings accounts.

Keep It Local

Switching to local bank was one of the best decisions I have made in regards to banking. I was always under the impression that the big banks had better service and products because they were bigger and thus could provide cheaper and better products to more people due to economies of scale. After I started using Credit Union of Colorado I was pleasantly surprised in finding out that I had been thinking wrong the whole time! Upon sign up I was given two day passes to Loveland Ski Resort, valid all season. This was great as I have many friends who visit that resort and I was now able to join them! The savings account requires $25 down payment and a $10 donation to the fund, but it is a not-for-profit bank so I do no feel ripped off. Transaction fees for the checking account are extremely low and their network of ATMs is far reaching. They also have many more branches, that are convenient to locate compared to some of the 'big banks'. I highly recommend Credit Union of Colorado to any one who resides in Colorado.

Solid credit union without many problems

When I recently moved out to colorado, I was faced with a problem. The bank that I had in missouri was not represented well in denver. Therefore, I recently opened up an account with the credit union of colorado. Opening the account was easy. There was no major paperwork to fill out and I had my account in less than 30 minutes. So far my experience with them is a good one. The thing I most care about when working with financial institutions is that I am not constantly aware of their existence. They don't bother me with phone calls, or institute wild fees for things like over drafting. They do what they are supposed to do and any time I have a question, I can call or go online and have it answered immediately. I would definitely recommend these guys to anyone looking for a credit union in colorado.

Credit Union of Colorado has awesome Customer Service skills

I have been banking with the Credit Union of Colorado for about 8 years now and they have always been excellent. They have plenty of convenient locations in and around the Denver area. Whenever I have gone in they are always friendly and super helpful. I have never had to pay for any banking fees while I have had accounts there. I have also never had to have a lot of money in my accounts, which has been important since I am a stay at home mom and don't always have much in my own account. I also don't have to have a constant direct deposit going in. When I had a problem with an account at a previous financial institution I pulled all my money from that one and put it in at the Credit Union. The only issue I currently have is that their website can never seem to remember my computer so I always have to answer security questions. I suppose I should feel fine about that since it means added security. The locations even have toys for my kids to play with while I take care of my banking needs. This was important last time as my kids were running around and kind of everywhere, but they just got them some stuff to play with and weren't judgmental or rude to me. Overall I hope to be a lifetime member of this credit union.

Good and Bad Credit Union of Colorado

Posted by: |

I am a retired public school teacher and have been a member of the Credit Union of Colorado for the past 10 years. I have an online savings account with them currently and use to have both a savings and checking account. Overall I have been pleased with the accounts as it is very convenient to do business online. The fees are very affordable with my savings account and I do not have a lot of rules as to how much money I must keep in the account. My issues have been with online technical issues. It is sometime difficult to log in or the site it seems to be down for maintenance too much for my liking. The customer service has been disappointing. I have had issue transferring money from one account to the other. When you try to contact them it is a long wait and you get logged out quite often. I took my checking account to a local bank by my residence, so if I do have an issue and cannot get a hold of them by phone or internet I can go in person to deal with the problem . I keep the savings account for the good fees at this point. Overall I have mixed reviews with this banking institution.

Inaccurate Credit Reporting

Posted by: |

CU of CO inaccurately is reporting a missed payment. Although I have proof that I set up a recurring transfer and they did not process it (their error). They refuse to report accurately to the credit company. Their online banking and customer service is horrendous.


Posted by: |

You might as well go to a big bank, no customer service and worst of the three credit unions I have been with!!!!!!


Health Grade Components

NCUA #24854
Year Chartered1934
Primary Regulator
Profit Margin
Return on Assets - YTD2.05%
Return on Equity - YTD25.9%
Annual Interest Income$44MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$2.9B$2.36B
LoansQ1 2024vs Q1 2023$1.67B$1.56B
DepositsQ1 2024vs Q1 2023$2.19B$2.1B
Equity CapitalQ1 2024vs Q1 2023$227.2MM$206.5MM
Loan Loss AllowanceQ1 2024vs Q1 2023$15.3MM$7.2MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$12.8MM$3.4MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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Always verify rates and promotions with the bank or credit union. We are not Credit Union of Colorado; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Credit Union of Colorado Savings Account Rates

4.00%$0-Everyday Account w/High-Yield Savings
0.40%*$10k*-Health Savings Account
OTHER TIERS: 0.25% $0 - $2.5k | 0.30% $2.5k - $5k | 0.35% $5k - $10k
0.35%$0-IRA Share Account
0.25%$0-Primary Savings
0.25%$0-Business Savings

Credit Union of Colorado Money Market Rates

3.51%*$100k*-Money Market Plus
OTHER TIERS: 1.00% $2.5k - $10k | 1.25% $10k - $25k | 1.50% $25k - $50k | 2.50% $50k - $100k
3.51%*$100k*-Business Money Market
OTHER TIERS: 1.00% $2.5k - $10k | 1.25% $10k - $25k | 1.50% $25k - $50k | 2.50% $50k - $100k

Credit Union of Colorado Checking Account Rates

4.00%$500$25kEveryday Account w/High-Yield Savings
0.20%$250-Everyday Account w/ Interest
0.20%$5k-Business Interest Checking

Credit Union of Colorado CD Rates

4.70%*$100k*-6 Month CD
OTHER TIERS: 4.40% $500 - $10k | 4.50% $10k - $25k | 4.60% $25k - $100k
4.70%*$100k*-1 Year CD
OTHER TIERS: 4.40% $500 - $10k | 4.50% $10k - $25k | 4.60% $25k - $100k
4.40%$500-6 Month Add-on CD
4.30%*$100k*-18 Month CD
OTHER TIERS: 4.00% $500 - $10k | 4.10% $10k - $25k | 4.20% $25k - $100k
4.10%*$100k*-2 Year CD
OTHER TIERS: 3.80% $500 - $10k | 3.90% $10k - $25k | 4.00% $25k - $100k
4.00%*$100k*-5 Year CD
OTHER TIERS: 3.70% $500 - $10k | 3.80% $10k - $25k | 3.90% $25k - $100k
3.90%*$100k*-3 Year CD
OTHER TIERS: 3.60% $500 - $10k | 3.70% $10k - $25k | 3.80% $25k - $100k
3.70%*$100k*-4 Year CD
OTHER TIERS: 3.40% $500 - $10k | 3.45% $25k - $100k | 3.51% $10k - $25k
3.30%*$100k*-90 Day CD
OTHER TIERS: 3.00% $500 - $10k | 3.10% $10k - $25k | 3.20% $25k - $100k
3.00%$500-90 Day Add-on CD

Credit Union of Colorado IRA Rates

4.70%*$100k*-6 Month IRA
OTHER TIERS: 4.40% $500 - $10k | 4.50% $10k - $25k | 4.60% $25k - $100k
4.70%*$100k*-1 Year IRA
OTHER TIERS: 4.40% $500 - $10k | 4.50% $10k - $25k | 4.60% $25k - $100k
4.40%$500-6 Month Add-on IRA
4.30%*$100k*-18 Month IRA
OTHER TIERS: 4.00% $500 - $10k | 4.10% $10k - $25k | 4.20% $25k - $100k
4.10%*$100k*-2 Year IRA
OTHER TIERS: 3.80% $500 - $10k | 3.90% $10k - $25k | 4.00% $25k - $100k
4.00%*$100k*-5 Year IRA
OTHER TIERS: 3.70% $500 - $10k | 3.80% $10k - $25k | 3.90% $25k - $100k
3.90%*$100k*-3 Year IRA
OTHER TIERS: 3.60% $500 - $10k | 3.70% $10k - $25k | 3.80% $25k - $100k
3.70%*$100k*-4 Year IRA
OTHER TIERS: 3.40% $500 - $10k | 3.45% $25k - $100k | 3.51% $10k - $25k


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