Denver Community Credit Union Adds An Impressive 17-Month CD Special


Deal Summary: 17-month CD Special, 2.00% APY, $100 minimum deposit, available April 21 through May 7, 2022.

Availability: Easy membership requirement in Colorado

Denver Community Credit Union (Denver Community) is celebrating its upcoming rebrand by offering a limited-time 17-month CD Special earning an impressive 2.00% APY. The minimum opening deposit is only $100, with no stated balance cap. According to the fine print on the landing page, the 17-month CD Special is available April 21 through May 7, 2022, but Denver Community “reserves the right to terminate or modify this offer at any time.”

The 17-month CD Special is also available as an IRA CD Special, earning the same 2.00% APY with the same deposit requirements.

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

A penalty may be imposed if you withdraw any of the certificate funds before the maturity date or the renewal date, if this is a renewal account.

The amount of the early withdrawal penalty for your account is 90 days’ interest for a term of 12 months or less, and 180 days’ interest for a term over 12 months.

Funding and Accessing Maturing Funds

According to CSR, transferring funds already in your share savings account is the easiest way to fund a CD Special. Funds can be placed into a share savings account by ACH, wire, or check. Denver Community also participates in the CO-OP Shared Branch network, providing members with “access to over 3,500 credit unions with more than 5,600 branches, nearly 30,000 surcharge-free ATMs nationwide.”

Maturing funds can be distributed by a check to the address on file, wire transfer, or transferred to a Denver Community savings or checking account.

There is a seven day grace period before a 17-month CD Special will renew as “a 12-month term upon maturity at the rate of the 12-month certificate of deposit at the time of maturity.”


Headquartered in Denver, Colorado, Denver Community Credit Union’s field of membership (FOM) provides a way for almost any Colorado resident (18 years or older with a valid Social Security number) to join.

Easy Membership: Any Colorado resident who joins Consumer United Association (CUA) is eligible to join Denver Community.

As stated on CUA’s website,

To join one of our participating credit unions as part of your member benefits, you will need a copy of your paid invoice, which you can find in your CUA member account.

Residency: Individuals who live or work in the Colorado counties of Adams, Araphoe, Boulder, Denver, or Jefferson are eligible to join.

Relationship: Family members of current Denver Community are also welcome to apply.

Joining Denver Community and/or opening a CD Special can be done online, or at any of five Colorado branches located in Denver (4) and Littleton.

A $5 share deposit is required to become a member.
This $5 deposit will represent your ownership in your not-for-profit credit union.

According to the online application, “a debit or credit card will be required to fund your membership.”

Denver Community participates in both the CO-OP Shared Branch network and ATM network.

Credit Union Overview

Denver Community Credit Union has an overall health grade of "A+" at, with a Texas Ratio of 1.40% (excellent) based on December 31, 2021 data. In the past year, Denver Community has increased its total non-brokered deposits by $36.43 million, an excellent annual growth rate of 10.21%. Please refer to our financial overview of Denver Community Credit Union (NCUA Charter # 68616) for more details.

Established in 1934 to serve the residents of West Denver, Denver Community Credit Union is rebranding as Zing Credit Union. The website and digital banking functions will update on April 28, 2022, with the mobile apps updating in early May 2022. As stated in a CUInsight press release this week,

Denver Community Credit Union is rebranding to Zing Credit Union. This big change has been years in the making and is a strategic move to be more inclusive to communities and potential members outside of the City of Denver. We began considering a rebrand in 2017. Interviews and focus groups guided the decision. This is a decision that was not taken lightly and was evaluated for the future opportunities a name change offers.

Our culture and values are not changing. Caring about making a lasting impact and maintaining a local focus will remain pillars of our organization. We chose the name Zing Credit Union because we feel it aligns with our culture and values, and it reflects our staff’s energy for serving our membership and community.

Denver Community/Zing Credit Union is currently the twelfth largest credit union headquartered in Colorado, with nearly 36,000 members and assets in excess of $445 million.

How the 17-Month CD Special Compares

When compared to similar length-of-term CDs tracked by which are available within the FOM and have minimum deposit requirements of $10k or less, no credit unions or banks have a higher rate than currently offered on the Denver Community Credit Union 17-month CD Special. The following table compares the 17-month CD Special to the two highest-rate CDs from other credit unions and to the other two highest-rate CDs from banks.

The above information and rates are accurate as of 4/22/2022.

To look for the best CD rates, either nationwide or state-specific, please refer to our CD Rates Table page.

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

  |     |   Comment #1
It's about time these CUs started raising rates, compared to treasuries.
  |     |   Comment #2
Yeah, true...but still can't beat that 2.713% current yield coming up on the
2 year T-Note auction for next week. Which could be moot if the Fed REALLY does raise rates
by 50 bps. The real test is if we'll see the banks & CUs follow suit with their deposit rates after that....
Top 5-Year CD & IRA CD Rates at Denver Community Credit Union - Local Only

Denver Community Credit Union is offering is offering two competitive 5-year CD and IRA CD rates. The maximum rate is 2.35% APY for a $50K minimum deposit. For a $100 minimum, it's 2.10% APY. These rates are listed in the credit union's deposit rates page as of 3/6/2012.

A nice feature is listed at the bottom of the rates table for IRA CDs. It states that "Contribution and rollover deposits are allowed at anytime when invested in a IRA share certificate with any term of 36 months or greater with a...

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5.61% 60-Month / 5.52% 48-Month CD at a Colorado CU (Denver Community)
Denver Community Credit Union is offering some competitive rates on its long term share certificates. The best rates are for a minimum deposit of $50K. These include a 5.61% APY 60-month CD, a 5.52% APY CD with terms from 48 to 59 months, and 5.46% APY CD with terms from 36 to 47 months. Rates of about 0.25% lower are available with only a $100 minimum deposit. These same rates also apply to IRA certificates.

Membership is open to anyone living, working, volunteering, worshipping, or attending school in the City or...

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