Arapahoe Credit Union is a Colorado-based, member-owned credit union offering comprehensive financial services including auto loans, credit cards, mortgages, and savings products at non-profit rates.
Data compiled from public sources · Rating from CreditDoc methodology
Arapahoe Credit Union (ACU) is a not-for-profit, member-owned credit union serving Colorado residents. The organization operates under the credit union cooperative model, meaning profits are returned to members rather than shareholders. ACU holds NCUA insurance and maintains a routing number (307076342) for electronic transactions.
ACU offers a full spectrum of financial products including auto lending (as low as 5.49% APR), credit cards (Platinum at 9.9% APR), home mortgages in partnership with Colorado Home Mortgages, home equity lines of credit (from 6.75% APR variable), credit builder loans (4.9% APR), certificates of deposit (12-month at 2.75% APY), and various savings accounts. They also provide skip payment programs for borrowers needing temporary payment relief and customizable overdraft protection options.
ACU distinguishes itself through competitive rates compared to national averages and access to a cooperative network of 30,000 free ATMs and 5,000 branch locations nationwide. They emphasize member support through a "Support Desk" offering forms, explanations, and advice. The organization positions itself as Colorado's most awarded home originator through their partnership with Colorado Home Mortgages. ACU also provides insurance and investment products through the Credit Union National Association.
A notable limitation is that their online banking system currently cannot connect to transaction history information, though they note this is being addressed. The credit union actively engages the community through annual meetings, scholarship programs, and volunteer opportunities. Members should note that access to the full branch and ATM network requires understanding the cooperative membership structure, and some products may have membership eligibility requirements typical of credit unions.
Yes. Arapahoe is a registered company, headquartered in Littleton, CO, founded in 1938.
Membership approval and account opening typically takes 1-3 business days. Loan decisions are usually faster than traditional banks.
CreditDoc Diagnosis
Arapahoe Credit Union is best for Colorado-based consumers who qualify for membership and seek competitive, member-friendly rates on auto loans, credit cards, and mortgages from a not-for-profit institution. The main caveat is that their online banking platform currently has transaction history connectivity issues, requiring members to use phone banking or in-person support for full account access.
Public data from the Consumer Financial Protection Bureau
Source: consumerfinance.gov | Last checked 2026-03-25
Member-owned credit union serving Colorado government employees and families since 1938, offering competitive loan rates, savings products, and digital banking services.
Best for: Current and retired Colorado state and city/county government employees seeking member-owned banking, Families of eligible government employees looking for relationship banking with competitive rates
Colorado Credit Union is a member-owned financial cooperative serving 8 Colorado counties with competitive rates on mortgages, auto loans, and savings products.
Best for: 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
Unable to verify. Website returns 403 Forbidden error, blocking access to company information needed for accurate profiling.
Best for: 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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