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Routing # 307075259
Rewards Checking Landing Page 01-2024

C·U·D Rewards Checking Accounts

We PAY YOU to Use Your Debit Card!

Don't Pay Big Banks to Use Your Money

Get Paid to use your debit card

What's better than free? Getting paid to use your debit card! Choose how you want to get paid: 5.00​% APY2 with Interest Rewards Checking or $5 cashback each month with Cashback Rewards Checking!3 Plus, whichever account you choose you can receive up to $25 in refunded ATM fees each month when the requirements are met. (Don't worry, the monthly requirements are a piece of cake!). 

Monthly requirements1 for Rewards Checking Accounts:

  1. Receive a Direct Deposit, Mobile Deposit, or Electronic Transfer from another institution
  2. Receive eStatements 
  3. Use your Credit Union of Denver Debit Mastercard® at least 15 times monthly, online or at retail establishments

Easy, right? The good news, it’s free – there is no minimum balance or monthly account fees and there are no penalties for not hitting the requirements. If you don’t meet the requirements, don't sweat it, you have the whole next month to reach the rewards again!4 Your monthly eStatements will spell out if you have met the requirements. 

Choose Your Rewards Checking Account. 5%25 Interest Rewards or $5 Cashback Rewards.

Learn More   New Member(s) Get Started 

Existing Member Get Started 

If you have any questions, please give us a call at 303.234.1700 | 800.279.3288.

Here are just a few other options for saving or improving your financial future.

Asian women on her cell phone holding a cup of coffee

Certificates

Best Rate: 3.95% APY5

Rates based on a set term so you can find the Certificate that best suits your budget and savings timeframe.

  • 12-month term earning 3.70% APY with $1,000 minimum to open
  • Competitive dividend rates compounded monthly
  • Other options include differrent terms and minimums
  • Terms range from 3 months to 60 months
  • $500 minimum to open for 3-month term
  • Starter Certificates
    • Only $25 minimum to open
    • 12 & 24-Month term options
    • Deposit more anytime

Learn More 

Young couple hiking in mountains next to their Jeep.

Auto Refi

Do you have an auto loan over $10,000? If so, we have an amazing Auto Refi promotion that can save you money each month with at least a 3% APR6 reduction of your current interest rate, plus you can take a 3 month payment vacacation and receive $300 cash!

Learn More 

Financial Checkup. Credit Score & More.

Credit Score & More

Financial Checkup offers a complete view of your financial health, covering spending details, cash flow, and analyses and debt-to-income ratios. Our Credit Score & More solution is more than a tool; it’s your secret weapon for effective financial management.

Learn More

Mobile Banking Provides Convenient Banking

We pride ourselves in offering a robust mobile and online banking experience, therefore there is usually no need to physically come into a branch, however, we do have a branch located inside the Tivoli on the Auraria Campus, as well as an additional branch in Lakewood.

Plus, we are part of the CO-OP Shared Branching Network, so you will have access to over 5,600 shared branch and 30,000 free ATMs nationwide as a Credit Union of Denver member!

*1 Monthly Account Requirements: At least 15 debit card transactions, Direct Deposit or Automatic Credit electronically posted to the account and be enrolled in eStatements to receive higher interest rate or cashback & ATM fee refunds. If the Account Requirements are met, the rewards noted will be applied. 

2 APY = Annual Percentage Yield. Rates are variable and subject to change at any time. Rates current as of 05/19/2025. Fees incurred on account can reduce earnings.

3 Up to 5% of the net purchase amount on debit card purchases with a maximum reward of $5 per calendar month. Fees incurred on account can reduce earnings.

4 The timing of debit card transactions hitting your account are not in control of the credit union.

Foreign Transaction Fee for all debit and credit card transactions made in foreign countries, in foreign currencies, or initiated by phone or Internet with parties located outside of the U.S. 1% fee is calculated on final settlement amount in US dollars.

$5 Membership Savings Account is required.

Applicant(s) must clear check reporting agency. The credit union also retains the right to obtain a Credit Bureau report on each applicant.

For all Checking Account disclosures, see our Membership Booklet and Truth in Savings information. Request a copy in a branch or by calling 303.234.1700. Federally Insured by the NCUA.

5 APY = Annual Percentage Yield. The APY rate is variable and calculated on the dividend/interest rate and frequency of compounding over an annual period. Rates are Current as of 05/19/2025. Rates are subject to change at any time. Fees could reduce earnings on the account. Early withdrawal penalties may apply on Certificates.

6 3% off your current APR (Annual Percentage Rate) for auto, truck, or motorcycle loans from outside Credit Union of Denver (C·U·D). With approved credit. Auto refi floor rate is as low as 5.48% APR | Motorcycle as low as 6.99% APR.  Not all borrowers will qualify for best rate. Rates are current as of 05/19/2025 and subject to change. Terms vary by vehicle type and amount financed. Rate discount & $300 valid on loans over $10,000. 3 months no payment is equal to 90 days no payment & interest will accrue from date of loan closing. $300 to be deposited into savings account within 30 days of closing. C·U·D membership of $5 is required. C·U·D reserves the right to withdraw this offer at any time without notice & current C·U·D loans not eligible for offer.