1. Banks
  2. Credit Union Of Denver

Credit Union Of Denver


Overview / Commentary
www.cudenver.com
303-234-1700
9305 W Alameda Ave
Lakewood, CO 80226

Credit Union Of Denver is headquartered in LAKEWOOD and is the 8th largest credit union in the state of Colorado. It is also the 369th largest credit union in the nation. It was established in 1931 and as of September of 2019, it had grown to 131 employees and 63,466 members at 3 locations. Credit Union Of Denver's money market rates are 3X the national average, and it boasts an A+ health rating.

Field of Membership Restrictions

Membership in the Credit Union of Denver is open to anyone through joining the Consumers United Association ($5 membership fee). Membership is also open to those who live or work in Adams, Boulder, Arapahoe, Denver, Douglas, or Jefferson Counties in Colorado or are employees of U.S. government agencies or over 200 Select Employer Groups.
See current membership details

Related Posts

Rate Drop As Of 12/1/2019 - 12/11/2019

Interest Rewards Checking 2.96% † First Tier 3.00% Up to $10,000.00 Monthly 0.20% † Second Tier 0.20% $10,000.01 and over Monthly 0.05% *** Interest rate if requirements are not met 0.05% Entire balance Monthly Money Market Accounts 0.11% *** First Tier 0.11% $1,000 - $2,499.99 Monthly 0.20% *** Second Tier 0.20% $2,500 - $9,999.99 Monthly 0.25% *** Third Tier 0.25% $10,000 - $24,999.99 Monthly 0.30% *** Fourth Tier 0.30% $25,000 - $44,999.99 Monthly 0.40% *** Fifth Tier 0.40% $45,000 - $99,999.99 Monthly 0.65% *** Sixth Tier 0.65% $100,000 and over Monthly 0.65% *** First Tier 0.65% $10,000 - $24,999.99 Monthly 0.90% *** Second Tier 0.90% $25,000 - $44,999.99 Monthly 1.15% *** Third Tier 1.15% $45,000 - $99,999.99 Monthly 1.40% *** Fourth Tier 1.40% $100,000 and over Monthly Certificates 0.11% 3 Month Term 0.11% $500 minimum Monthly 0.30% 3 Month Term 0.30% $10,000 minimum Monthly 0.50% 6 Month Term 0.50% $5,000 minimum Monthly 1.25% 1

13-Month "Special" Reduced To 2.23% APR, 2.25% APY on 11/1/2019 - 11/2/2019

Most other rates appear to be unchanged from October. https://www.cudenver.com/wp-content/uploads/2019/10/InvFee_November_2019_TISA.pdf

Rates as of 10/1/2019 - 10/7/2019

Regular CDs 0.11% 3 Month Term 0.11% $500 minimum Monthly 0.30% 3 Month Term 0.30% $10,000 minimum Monthly 0.50% 6 Month Term 0.50% $5,000 minimum Monthly 1.25% 1 Year Term 1.25% $1,000 minimum Monthly 2.38% Special 13 Month Term 2.40% $5,000 minimum Monthly 1.30% 18 Month Term 1.30% $1,000 minimum Monthly 1.49% 2 Year Term 1.50% $1,000 minimum Monthly 1.00% 12 Month Term Starter Certificate 1.00% $25 minimum Monthly 1.25% 24 month Term Starter Certificate 1.25% $25 minimum Monthly 1.74% 2-1/2 Year Term 1.75% $1,000 minimum Monthly 1.99% 4 Year Term 2.00% $1,000 minimum Monthly 2.38% 5 Year Term 2.40% $1,000 minimum Monthly 2.53% 5 Year Term 2.55% $10,000 minimum Monthly Jumbo CDS 0.30% 30 Day Term 0.30% $50,000 minimum Monthly 0.40% 60 Day Term 0.40% $50,000 minimum Monthly 0.50% 90 Day Term 0.50% $50,000 minimum Monthly 0.75% 180 Day Term 0.75% $50,000 minimum Monthly 1.00% 270 Day Term 1.00% $50,000 minimum Monthly 1.49% 1 Year Term 1.50% $50,000 minimum Monthly IRA CDS 0.30%*** D

View all posts from:


Reviews (4)

Local Credit Union with great features

Posted by: |

I absolutely love banking with Credit Union of Denver. They process my transactions quickly and their mobile banking has all the features I need. They have a huge network of ATMs to utilize and the lack of fees makes it easy to go grab money without worrying about what ATM I'm withdrawing from. They offer great cash back rewards for users and they are always growing their offers. They offer great rates on loans for members as well as discounted insurance and other financial services available. Any time I have to talk to a customer service rep they are always cordial and try their best to help the customer at all costs. I would definitely recommend Credit Union of Denver to my friends and family. They're great!

1

The Downlow on CU Denver

Posted by: |

I've been using Credit Union Denver for almost a year now and wouldn't consider switching anytime soon. They're just easy to use! I opened a checking and savings account with them, however I haven't used the savings account much. That being said, operating my checking account is breeze. It's easy to login, although there is a good amount of security, so I feel like my account is protected. Checking my balance and transactions is easy! The only downside is the online portal doesn't show exact times that transactions took place. You have to generate a statement to see such things. That's really the only downside. They even offer lots of cashback rewards for local businesses as well as chains, such as Chili's. It's really nice because it makes it easier for me to choose where I'm going to spend at. You can load as many rewards as you want and they are constantly changing. Overall, CUDenver does what I need it to do, but there's a few QoL improvements they could make.

1

credit union review

Posted by: |

I've been with this credit union for a while. I use their app for deposits and bills pays, but I find hit kind of a pain. I can't do any deposits or bill pays on the weekends or holidays, which really puts a difficulty on paying bills. I have to plan a week in advance for paying something that is not within my regular pay cycle if a holiday falls within when the bill is due.

2

Credit Union Review

Posted by: |

I tried to open up their 13-month CD online. Filled out the application and was instructed to wait until I was contacted by them. I waited 5 days, but no one did. I finally called to follow up and was informed my application was declined because they made 3 or more inquiries into my credit history, which is "over the limit." I sought further clarification on what that meant, but the representative couldn't offer any more information. I explained I had recently applied for and was accepted for opening other CDs at other banks/FCUs, but she said that was their policy. I have never experienced this before. It was very odd.
So I will deposit my funds elsewhere.

6


Health
A+

Data as of Q3 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #64342
Year Chartered1931
Employees131
Primary Regulator
Profit Margin
Return on Assets - YTD1.17%
Return on Equity - YTD9.37%
Annual Interest Income$24.1MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$859.8MM$781.8MM
LoansQ3 2019vs Q3 2018$520.3MM$488.3MM
DepositsQ3 2019vs Q3 2018$750.5MM$688.8MM
Equity CapitalQ3 2019vs Q3 2018$105.3MM$89.0MM
Loan Loss AllowanceQ3 2019vs Q3 2018$6.1MM$5.8MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$4.4MM$3.0MM
Real Estate OwnedQ3 2019vs Q3 2018$0$0
  User-submitted Promotions & Notices

This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.

Rate Drop As Of 12/1/2019

  |  
Interest Rewards Checking
2.96% † First Tier 3.00% Up to $10,000.00 Monthly
0.20% † Second Tier 0.20% $10,000.01 and over Monthly
0.05% *** Interest rate if requirements are not met 0.05% Entire balance Monthly
Money Market Accounts
0.11% *** First Tier 0.11% $1,000 - $2,499.99 Monthly
0.20% *** Second Tier 0.20% $2,500 - $9,999.99 Monthly
0.25% *** Third Tier 0.25% $10,000 - $24,999.99 Monthly
0.30% *** Fourth Tier 0.30% $25,000 - $44,999.99 Monthly
0.40% *** Fifth Tier 0.40% $45,000 - $99,999.99 Monthly
0.65% *** Sixth Tier 0.65% $100,000 and over Monthly
0.65% *** First Tier 0.65% $10,000 - $24,999.99 Monthly
0.90% *** Second Tier 0.90% $25,000 - $44,999.99 Monthly
1.15% *** Third Tier 1.15% $45,000 - $99,999.99 Monthly
1.40% *** Fourth Tier 1.40% $100,000 and over Monthly
Certificates
0.11% 3 Month Term 0.11% $500 minimum Monthly
0.30% 3 Month Term 0.30% $10,000 minimum Monthly
0.50% 6 Month Term 0.50% $5,000 minimum Monthly
1.25% 1 Year Term 1.25% $1,000 minimum Monthly
2.23% Special 13 Month Term 2.25% $5,000 minimum Monthly
1.30% 18 Month Term 1.30% $1,000 minimum Monthly
1.49% 2 Year Term 1.50% $1,000 minimum Monthly
1.00% 12 Month Term Starter Certificate 1.00% $25 minimum Monthly
1.25% 24 month Term Starter Certificate 1.25% $25 minimum Monthly
1.74% 2-1/2 Year Term 1.75% $1,000 minimum Monthly
1.99% 4 Year Term 2.00% $1,000 minimum Monthly
2.38% 5 Year Term 2.40% $1,000 minimum Monthly
2.53% 5 Year Term 2.55% $10,000 minimum Monthly
Jumbo Certificates
0.30% 30 Day Term 0.30% $50,000 minimum Monthly
0.40% 60 Day Term 0.40% $50,000 minimum Monthly
0.50% 90 Day Term 0.50% $50,000 minimum Monthly
0.75% 180 Day Term 0.75% $50,000 minimum Monthly
1.00% 270 Day Term 1.00% $50,000 minimum Monthly
1.49% 1 Year Term 1.50% $50,000 minimum Monthly
Individual Retirement Accounts (IRAs) /Coverdell Education Savings Accounts (ESAs)
0.25% *** Daily Deposit IRA Account - First Tier 0.25% $0 - $24,999.99 Monthly
0.30% *** Second Tier 0.30% $25,000 - $49,999.99 Monthly
0.40% *** Third Tier 0.40% $50,000 - $99,999.99 Monthly
0.65% *** Fourth Tier 0.65% $100,000 and over Monthly
0.50% 6 Month Term 0.50% $1,000 minimum Quarterly
2.24% Special 1 Year Term 2.25% $1,000 minimum Quarterly
1.74% 2-1/2 Year Term 1.75% $1,000 minimum Quarterly
2.38% 5 Year Term 2.40% $1,000 minimum Quarterly
2.53% 7 Year Term 2.55% $1,000 minimum Quarterly

https://www.cudenver.com/wp-content/uploads/2019/11/InvFee_December_2019_TISA.pdf
1

Rates
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Credit Union Of Denver; 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 Denver Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.01%*-$1kYouth Savings Account (Age 0-17)
OTHER TIERS: 0.11% → $1k+
0.65%*$100k*-Daily Deposit IRA Account
OTHER TIERS: 0.25% → Up to $25k | 0.30% → $25k - $50k | 0.40% → $50k - $100k
0.50%$5-Holiday Club Account
0.11%--Prime Share
0.11%--Uniform Transfer to Minors
0.11%--Special Share (Savings) Account
0.11%--Secured Card Share (Savings) Account

Credit Union Of Denver Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.40%*$100k*-High Yield Money Market Account
OTHER TIERS: 0.65% → $10k - $25k | 0.90% → $25k - $45k | 1.15% → $45k - $100k
0.65%*$100k*-Money Market Accounts
OTHER TIERS: 0.11% → $1k - $2.5k | 0.20% → $2.5k - $10k | 0.25% → $10k - $25k | 0.30% → $25k - $45k | 0.40% → $45k - $100k

Credit Union Of Denver Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*-$10kInterest Rewards Checking
OTHER TIERS: 0.20% → $10k+
0.10%$1k-Share Draft (Checking) w/ Interest

Credit Union Of Denver CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.55%*$10k*-5 Year Certificate
OTHER TIERS: 2.40% → $1k - $10k
2.25%$5k-13 Month Certificate Special
2.00%$1k-4 Year Certificate
1.75%$1k-2 1/2 Year Certificate
1.50%$1k-2 Year Certificate
1.50%$50k-1 Year Jumbo Certificate
1.30%$1k-18 Month Certificate
1.25%$1k-1 Year Certificate
1.25%$25-24 Month Starter Certificate
1.00%$50k-270 Day Jumbo Certificate
1.00%$25-12 Month Starter Certificate
0.75%$50k-180 Day Jumbo Certificate
0.50%$5k-6 Month Certificate
0.50%$50k-90 Day Jumbo Certificate
0.40%$50k-60 Day Jumbo Certificate
0.30%*$10k*-3 Month Certificate
OTHER TIERS: 0.11% → $500 - $10k
0.30%$50k-30 Day Jumbo Certificate

Credit Union Of Denver IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.55%$1k-7 Year IRA Certificate
2.40%$1k-5 Year IRA Certificate
2.25%$1k-1 Year IRA Certificate Special
1.75%$1k-2 1/2 Year IRA Certificate
0.50%$1k-6 Month IRA Certificate
Locations


Credit Union Of Denver Locations
Branch Office1 DENVER FEDERAL CTR BUILDING 67 ROOM 100LAKEWOOD, CO 80225
Branch Office9305 W ALAMEDA AVELAKEWOOD, CO 80226
Branch Office900 AURARIA PKWY UNIT 263DENVER, CO 80204-5800

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.