Member-owned credit union serving Colorado government employees and families since 1938, offering competitive loan rates, savings products, and digital banking services.
Data compiled from public sources · Rating from CreditDoc methodology
Affidian Credit Union was originally founded by the Denver Police Department in 1938 and has evolved into a community-focused financial institution serving current and retired employees of the State of Colorado, City/County Government Employees, and their families. The credit union has grown to over 14,000 members with assets exceeding $350 million. As a federally regulated institution under the National Credit Union Administration (NCUA), Affidian operates with a member-first philosophy emphasizing accessibility and competitive rates.
Affidian offers a comprehensive range of consumer banking products including always-free checking accounts, savings accounts, certificates of deposit (CDs), auto loans, home mortgages, home equity lines of credit (HELOCs), and credit cards. 80% APY. The credit union provides digital banking capabilities and maintains multiple physical locations across Colorado with extended hours.
What distinguishes Affidian is its member-ownership structure where 100% of the institution is owned by its members, not external shareholders. Members have democratic voting rights at annual meetings to elect the Board of Directors. As a credit union rather than a traditional bank, Affidian returns earnings to members through competitive dividend rates on savings, lower loan rates, and free member services.
All board members are credit union members elected by the membership, ensuring member interests drive decision-making. Affidian is best suited for Colorado government employees, their families, and eligible community members seeking relationship-based banking with competitive rates. The credit union's long 86-year history and member testimonials suggest strong customer satisfaction and stability.
However, membership eligibility appears restricted to specific employee categories and their families rather than being open to the general public, which may limit accessibility for some consumers.
Yes. Affidian Credit Union is a registered company, headquartered in Denver, CO.
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CreditDoc Diagnosis
Affidian Credit Union is best for Colorado government employees and their families seeking competitive consumer banking with a member-ownership advantage and democratic governance structure. The primary caveat is eligibility—membership appears restricted to specific government employee categories rather than being open to the general public, making it inaccessible to most consumers despite strong product offerings.
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