No stored Google rating available.
Member-owned Colorado credit union founded in 1938, serving 14,000+ members with NCUA insurance. Offers checking, auto loans, mortgages, HELOCs, and savings products.
Data compiled from public sources
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. Over 85 years, the organization has grown to approximately 14,000 members with assets exceeding $350 million. As a not-for-profit, member-owned credit union regulated by the NCUA, Affidian operates under a cooperative model where members are part-owners entitled to democratic participation in governance.
Affidian offers a comprehensive range of consumer financial products including always-free checking accounts, auto loans (advertised at 4.50% APR with 90 days no-payment promotion), mortgage loans with personalized guidance, home equity lines of credit (HELOCs at prime minus 2.00%), credit cards, and savings products including certificates of deposit (5-month CDs at 3.80% APY). The credit union emphasizes rate claims to verify, no-fee services, and accessibility through multiple Colorado locations including Denver, Aurora, and Lone Tree.
Affidian distinguishes itself through its member-ownership structure, where earnings are returned to members as competitive dividend rates on savings and lower loan rates rather than distributed to external shareholders. The organization emphasizes community connection and personal service, with member testimonials citing rate claims to verify, family-like treatment, and high listed staff at local branches. Their governance structure includes a Board of Directors elected by members at annual meetings, maintaining democratic control over organizational direction.
As a listed credit union with eligibility restrictions tied to Colorado government employment categories, Affidian's membership access is limited compared to community banks. While the website showcases positive member experiences and competitive product rates, detailed fee schedules, specific eligibility requirements, and comparative rate information are not fully listed on the homepage. The organization's focus on a specific member demographic (government employees) means it is not accessible to the general public, which represents a significant limitation compared to conventional financial institutions.
This is state-level context for Credit Unions consumers in Denver, CO. It does not confirm that Affidian or this specific location is licensed.
State regulator
Colorado Department of Regulatory Agencies - Division of Banking
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Affidian offers 12 services including Checking accounts (always-free, no monthly fees), Savings accounts and share accounts, Certificates of deposit (CDs) with promotional rates, Auto loans (4.50% APR starting rate with 90-day no-payment promotion), Mortgage loans with expert guidance for home purchase and refinance, and 7 more.
Affidian has profile signals associated with Colorado state government employees and their families seeking member-owned financial institution with rate claims to verify, City and county government workers in Colorado looking for personalized banking with local branch relationships, Homeowners interested in HELOC products for equity access without long-term mortgage commitments, Vehicle buyers wanting competitive auto loan rates with deferred payment options.
Key strengths: Not-for-profit member-owned structure means earnings return to members as rate claims to verify and lower fees, not shareholder profits; Auto loan rates starting at 4.50% APR with 90-day no-payment promotional period—competitive incentive for vehicle financing; HELOC products at prime minus 2.00%, providing flexible home equity access for debt consolidation and home improvements. Areas to consider: Membership restricted to current/retired Colorado state employees, city/county government employees, and their families—not open to general public; Limited branch network (only three locations mentioned: Denver, Aurora, Lone Tree) compared to regional or national banks.
In the Credit Unions category, comparable providers include Affidian Credit Union, Colorado Credit Union, The District Credit Union. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Affidian Credit Union is profile signals for Colorado government employees and their families seeking competitive loan rates and member-owned banking without external shareholder extraction. The primary caveat is membership eligibility—this credit union is not open to the general public and serves a specific employment demographic, making it inaccessible to most consumers regardless of creditworthiness or financial profile.
Member-owned credit union serving Colorado government employees and families since 1938, offering competitive loan rates, savings products, and digital banking services.
Google rating from 120 reviews
Profile signals: Current and retired Colorado state and city/county government employees seeking member-owned banking, Families of eligible government employees looking for relationship banking with rate claims to verify
Colorado Credit Union is a member-owned financial cooperative serving 8 Colorado counties with rate claims to verify on mortgages, auto loans, and savings products.
Google rating from 45 reviews
Profile signals: Colorado residents in the 8-county service area (Adams, Douglas, Jefferson, Arapahoe, Weld, Denver, Broomfield, Boulder) seeking competitive mortgage or auto loan rates, Members prioritizing free checking with no minimums and free mobile banking/deposit capabilities
Review this provider profile and compare source-linked details before choosing what to do next.
Google rating from 130 reviews
Profile signals: Consumers in Aurora, Colorado looking for payday alternative lending services, People who prefer working with a local payday alternative lending provider
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