Credit Union of Denver logo

Credit Union of Denver in Lakewood, CO

4.3/5

Credit Union of Denver is a member-owned financial cooperative offering checking, savings, loans, and credit products with a 95-year history serving the Denver area.

Data compiled from public sources · Rating from CreditDoc methodology

Credit Union of Denver Review

Credit Union of Denver has been operating for 95 years as a member-owned credit union, establishing itself as a community-focused financial institution in the Denver market. The organization provides a full spectrum of consumer banking services including deposit accounts, lending products, and digital banking solutions. Their product lineup encompasses savings accounts (including money market and certificate of deposit options), checking accounts with rewards, auto loans, personal loans, home equity lines of credit, second mortgages, credit cards, and skip-a-pay payment assistance.

The credit union distinguishes itself through competitive rate offerings, community involvement (evidenced by charitable initiatives like pet calendar donations and children's hospital blanket drives), and a strong emphasis on digital banking capabilities including mobile deposit, biometric login, Zelle integration, and financial wellness tools. Their routing number 307075259 and extensive branch and ATM network provide accessibility to members. However, as a credit union, membership eligibility may be required, and their service area appears to be primarily Colorado-based, limiting convenience for non-local members despite digital banking options.

Services & Features

Auto loans (new and used vehicles at 4.95% APR)
Branch and ATM locator services
Certificates of deposit (6-month terms at 3.65% APY; IRA certificates)
Checking accounts with rewards (Interest Rewards Checking up to 5.00% APY)
Financial wellness tools (credit score access, financial planning, account snapshots)
Home equity lines of credit (80% LTV at 6.25% VAPR starting)
MasterCard credit card (Platinum with no-fee balance transfers)
Mobile banking (deposit, transfers, Zelle, biometric login)
Payment assistance (skip-a-pay program)
Personal loans (unsecured at 8.49% APR)
Savings accounts (Money Market accounts, Youth Savings accounts)
Second mortgages (80% CLTV at 8.09% APR)

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Competitive rates on savings products (5.00% APY on Interest Rewards Checking up to $10,000; 3.65% APY on 6-month certificates)
  • Low auto loan rates starting at 4.95% APR for both new and used vehicles
  • No-fee balance transfer feature on MasterCard with rates as low as 10.99% VAPR
  • Comprehensive mobile banking with biometric login, mobile deposit, and Zelle integration
  • Free credit score and report access through digital banking platform
  • Financial wellness tools including savings goal tracking and financial planning features
  • Skip-a-pay payment assistance program exclusively available to digital banking members

Cons

  • Membership eligibility requirements typical of credit unions may restrict access compared to banks
  • Service area appears limited to Colorado region based on Denver-centric marketing and branch/ATM locator functionality
  • Limited information on website about membership eligibility criteria or account opening requirements
  • HELOC rates starting at 6.25% VAPR are higher than personal loan rates, potentially limiting home equity product appeal
  • No mention of business banking or commercial services despite offering personal and consumer products

Rating Breakdown

Value
5.0
Effectiveness
4.5
Customer Service
3.9
Transparency
3.5
Ease of Use
4.5

Frequently Asked Questions

Is Credit Union of Denver legitimate?

Yes. Credit Union of Denver is a registered company, headquartered in Lakewood, CO.

How long does Credit Union of Denver take to show results?

Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.

Quick Facts

Headquarters
Lakewood, CO
BBB Accredited
No
Starting Price
Contact provider
Setup Fee
None
Money-Back Guarantee
No
Visit Credit Union of Denver

CreditDoc Diagnosis

Doctor's Verdict on Credit Union of Denver

Credit Union of Denver is best for Colorado-based consumers seeking competitive deposit and loan rates with strong digital banking infrastructure, particularly those valuing community-focused financial institutions. The main caveat is that membership may have eligibility restrictions and the credit union's primary service area appears limited to Colorado, making it less convenient for members outside the region despite robust online banking options.

Best For

  • Denver area residents seeking competitive savings and loan rates with strong digital banking capabilities
  • Auto loan shoppers comparing rates in the Colorado region
  • Credit union members prioritizing community involvement and charitable initiatives
  • Digital banking users wanting advanced mobile features like biometric login and mobile deposit
Updated 2026-04-29

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