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Routing # 307075259


Mortgage Loans

Yes. We have several mortgage solutions. Call us at 303.202.5659 | 800.280.0234 or email us at to discuss options that will best suit your needs.

We offer many options to make your equity work for you with great rates. For a full list of our mortgage products click here.

Your LTV is the relationship between the current outstanding balance of your loan(s) and the collateral’s value. This relationship helps us decide how much you can borrow. This can be applied to any loan type that is tied to a piece of collateral.

Use this formula to get an idea of your LTV: (A + B)/C = LTV

A = The amount of money you need
B = The outstanding balance of all loans applied to the collateral
C = Your home’s estimated value

The Loan to Value (LTV) is the outstanding loan amount divided by the appraised property value or purchase price.

For a home: Use our Home Value Checker to find an estimated value of the property. Just type in your address.

For an Auto: Go to NADA to find values based on condition of vehicles. 

Apply for a Loan

Let us know if you have any trouble with this or have any other questions, we are always here to help.

Your first mortgage payment is usually 30 days after closing. The actual date of your first payment will be included in your closing documents.

To expedite the mortgage loan process, have the following items available:

  • Information on all assets—401(k), cash deposits, Term Certificates, etc.
  • W2s from the last two years
  • Signed federal tax returns for the last two years (with schedules if you are self-employed or received rental income)
  • List of current debts to include: credit cards, child support, auto loans, installment debt, etc.
  • Two most recent pay stubs
  • Most recent property tax bill (if available)
  • Most recent mortgage loan statement
  • Copy of your current homeowner’s insurance policy


A Home Equity Line of Credit is a form of revolving credit, like a credit card, in which your home serves as collateral. And since your home is most likely your largest asset, why not put it to work for you and take advantage of all the benefits a Credit Union of Denver HELOC offers! Access to your money is easy and our Equity loans are flexible enough to fit your specific needs for home improvements, bill consolidation, college tuition, a family vacation or whatever you can dream up!

Much like a credit card that allows you to borrow against your spending limit as often as needed, a HELOC gives you the flexibility to borrow against your home’s equity.

For example, say you have a home worth $400,000 with a balance of $250,000 on your first mortgage and you want to access up to 80% of your home’s value (based on Combined Loan To Value – CLTV) stats. You can establish a HELOC with up to a $70,000 limit:

  • Home Value at $400,000 x 80% = $320,000.
  • 80% minus what you owe is $320,000 – $250,000 = $70,000.
  • $70,000 would be the amount you could use, for this 80% CLTV example.

However, Credit Union of Denver has higher combined loan to value options, up to 100%, if you want to borrow a higher amount. Use our Home Value Checker to see what your home may be worth.

A HELOC has two phases. First is the draw period, followed by the repayment period.

During the draw period, you can borrow from the credit line by checkbook or card. The length of the draw period for Credit Union of Denver is 10 years.

Payments on a HELOC are not much different than a credit card. Minimum monthly payments are required. The re-payment terms are at least a 1% payment on the outstanding balance. This is true for the entire 20 year term. During the repayment period, or last 10 years of the HELOC, you can no longer borrow against the credit line. Instead, you pay it back in monthly installments that include principal and interest. If you don’t pay off the total due in that last 10 years, it will end up having a balloon payment for the balance owed.

After you qualify for a certain amount, use your HELOC for things like: home improvements, education, debt consolidation, medical bills, or a much needed vacation. The choice is yours!

Simply use your issued Credit Union of Denver MasterCard® with your HELOC and checks (if you elect them) to access your equity funds.

For any tax implications, please consult your tax advisor.

Consumer Loans

No, you can apply for a loan online and by phone without being a member; however, you must be eligible for membership. Prior to the loan being funded, you will need to establish a Credit Union of Denver membership and a Savings Account with an initial deposit of $5.00.

There are no fees involved when applying for a Credit Union of Denver loan.

We require copies of your tax returns from the two most recent years and a Profit & Loss report completed by an accountant.

No, you can pay off any Credit Union of Denver loan without incurring a prepayment penalty.

Yes, our loans are available to members residing in any of the 50 US states and territories. Mortgages are restricted to Colorado.

MasterCard Debit & Credit Cards

MasterCard Debit Card is available to members with a Credit Union of Denver Checking Account. The purchase amounts are deducted from your Checking Account.  It allows access to ATMs that provides transactional assistance with your Savings or Checking Account at ATMs. Plus, it allows you to make purchases everywhere MasterCard is accepted.

A MasterCard Credit Card provides access to a line of credit and allows you to make purchases and cash advances everywhere MasterCard is accepted.

Credit Cards can be received in approximately seven to ten business days from the ordered date.

Debit Cards are available immediately during business hours Monday through Friday 9:00 am to 4:30 pm at our Alameda Branch or can be mailed out and received within 3-5 business days (depending upon USPS).

Yes, if they are a joint owner on your account.

If your card has been declined, please call our Card Department during business hours at 303.963.1340 | 800.279.3288. (Monday – Friday, 8:30 am to 5:00 pm, or Saturday 9:00 am to 12:30 pm MST)

After Hours contact MasterCard directly at:

  • For Debit Cards 888.918.7746
  • For Credit Cards 800.449.7728

In the event any of your MasterCard(s) are lost or stolen, please call one of the following numbers immediately.

  • MasterCard Lost/Stolen Debit or Credit 800.449.7728
  • During business hours contact us at 303.963.1340 | 800.279.3288
    (Monday – Friday, 8:30 am to 5:00 pm, or Saturday 9:00 am to 12:30 pm MST)

Yes, deposits made at ATMs may have a 2-business day hold placed on them; however, the first $100 of your deposit will be available immediately.

You must first contact the merchant and attempt resolution, prior to contacting MasterCard. Assistance on Credit Card transactions are handled directly by MasterCard at 866.820.5890.

You must first contact the merchant and attempt resolution, prior to contacting our cards department. Further assistance with your particular situation will require submitting a dispute form to C·U·D Cards Department. Disputes must be submitted within 60 days of the statement date when the charges occurred. For assistance and questions, please phone our Card Department at 303.963.1340 | 800.279.3288.

View your statements through cudonline: go to the section below your account summary, listed as Credit Cards/HELOC.  There is a blue button that says Card Service/Make a Payment. Selecting it will take you to the MasterCard site for viewing your transactions, making payments, viewing rewards and to access to your Statements. You can also place a travel notice on your cards should you have a trip planned outside of your frequented area. 

Please Note: Your MasterCard Credit Card or HELOC account is linked to your primary account but may have different ownership. For example; John Doe could have a joint account with Mary but the MasterCard is in John’s name only. Due to privacy concerns, please take the time to check your ownership so that you will be able to limit the view of your MasterCard from your prime account joint owner if you so choose. You may contact us at 303.239.1150 | 800.279.3288 if you are unsure about the ownership and potential restrictions. 

If the ownership is the same on the card account as it is on the prime account, both parties will be able to see the card linked within cudonline and will be able to access the card information without a separate login.  

If you’re having issues viewing your MasterCard eStatements when using your iPad all you have to do is tap on your iPad’s settings icon, locate the browser you wish to edit and under the general section turn off the pop-up blocker temporarily. This will allow your MasterCard eStatements to be displayed.

  1. During normal business hours: please contact us using the secure email portal or call us at 303.963.1340 | 800.279.3288,
  2. Outside normal business hours: please contact MasterCard Customer Service at 800.654.7728. (Note:  MasterCard Customer Service can only reactivate your card one day at a time, so you may need to call back each day if you are gone over a weekend or holiday)

Contactless Card

We have gone to issuing contactless credit and debit cards to provide a better, faster checkout experience for our members when using tap-enabled contactless merchant terminals.

The only difference with the use of the card is that you will be able to Tap & Go when using your card at participating stores that have contactless readers. All other attributes are the same. Your old card will be deactivated shortly after the reissues have been distributed. You will be notified by email regarding the date.

Do I have to activate my contactless card? Yes, when you receive your contactless card in the mail, you'll need to call the number listed on the sticker to activate it and set up your PIN. 

Once you receive your new contactless Platinum Card, you will need to call the number listed on the sticker to enable your card and to set up a PIN. This New Platinum Card will have a new number associated with your line of credit. You will need to review your account to transfer over any automatic payments or debits associated with your old card number.

Contactless cards have a wave-like symbol that looks similar to a wi-fi symbol on the front of your card. This indicates that you can pay for purchases by tapping your card at checkout with participating retailers, such as Costco and Target.

Contactless cards use radio-frequency identification (RFID) technology. This allows the card to communicate with the card reader when the card is held near the reader during a transaction. When you hold your contactless card near the contactless reader, it securely authenticates your card information.

Contactless payments are secure. You enjoy the same 100% fraud protection on contactless payments as your normal Chip & PIN transactions. For security purposes, you'll occasionally be asked to enter your PIN when making a contactless payment.

Contactless payment cards have radio frequency identification tags in them which can be read from a distance by using a scanner. The same RFID technology ensures the operation of building access cards and transport cards. 

Preventing Credit Card Scanning - options

  1. Buy an RFID card sleeve (we can send you one for free) or RFID wallet that blocks RFID transmissions.
  2. Stack your cards together to mitigate some of the scanner's ability to read information.

Card Alerts

We do not charge a fee for this benefit. If you elect to receive e-mail consumer-selected alerts, there is no cost to you. If you elect to receive SMS/Text message alerts, alerts will be sent to your mobile phone and standard text message and data rates may be assessed by your mobile carrier. Please note, acceptance of messages received is the sole liability and responsibility of the cardholder.

For Debit Card Alerts, you can register your card(s) through My MasterCard or through Member Alerts on your mobile app.

  1. Click ‘Register or Return’
  2. Enter the requested information
  3. Select any alerts you would like to receive
  4. Click submit
  5. You will receive a text message to complete your registration and you must reply yes.

Typically, responses arrive within one minute, but timing may vary. You may experience delays or failures in delivery of an alert because of any of the following circumstances: (1) merchant delay in processing a transaction; (2) delays and/or failures attributable to network operators and telecommunications providers; (3) if your mobile device is off or out of operating range of a carrier with an appropriate signal for SMS and/or data services; (4) a variety of other wireless service and coverage conditions; (5) active or passive filtering of e-mail messages; and (6) insufficient space in the email account that is to receive email messages.

Your mobile phone may be blocked from receiving third-party text messages. Check with your carrier and ask them to remove the block from your phone.

No. Text message alerts can only be sent via U.S. carriers and will only be receivable in the U.S. If you live or travel outside of the U.S., you will need to specify an email address to begin receiving alerts to that email address.

Yes. If you are an authorized user, you can enroll as many mobile numbers and email addresses for an account as you wish. You may create a unique 10 character alphanumeric registration nickname per registration to assist you in identifying the card for which the alert is triggered.

In most cases, your existing alert settings will be transferred to your new card number. Please review your settings online to ensure you continue receiving text messages or emails about potentially fraudulent activity.

Text messages are unique in that they can only hold 160 characters. Some commands require multiple messages to return all of the necessary information.

Yes. Our first priority is to protect your personal information. If you ever receive a text message asking for your member number, account numbers or other personal information, DO NOT RESPOND!

In order to receive alerts to your new phone number or through e-mail, you will need to re-register your card with the new mobile number or email by changing them within your saved registration.

Send a text that says STOP to 26499 for debit alerts. You will receive an opt-out confirmation.

You can also unsubscribe to this service by deactivating your registration on this site.

CURewards® Mall

CURewards Mall is a program that allows you to earn extra Mall points by using your Platinum or Secured C∙U∙D MasterCard. Redeem points for gift cards, retail items or travel.

Earning is easy. Points are earned in 2 different ways:

Every time you use your Credit Union of Denver MasterCard credit card you earn 1 base point for each $1 spent.

When you go into the CURewards Mall and select participating retailers listed, you may earn multiples for purchases made at those retailers you select. Example: Target offers 2 points per $1 spent. You add it to your preferences and shop at Target to earn the extra points.

Just remember to click on the links in each offer or use your card when shopping in participating retailers’ stores. Extra points are optional and are based on participation of the retailers.

Simply view the list of “In-Store Mall” retailers or shop directly through the website at the Online Mall retailers.

No, just make sure you use your credit card and sign for your purchases when you shop and you’ll automatically earn Mall points.

Participating in CURewards Mall is free for CURewards members.

Simply visit the CURewards Home Page, sign in and look for the featured offers.