FAQs in Alphabetical Order

Have questions about your accounts, technical assistance with online or how a product or service works? You’ve come to the right place. We’ve compiled a list of our members’ most frequently asked questions. If you don’t find the answer you are looking for, please contact us.
Technical questions are listed first followed by General account questions and then those associated with MasterCard in alphabetical order.

Apple Pay

I am having issues setting up my Apple Pay. What do I need to do to set this up?
Add your Credit Union of Denver cards to Apple Pay through the passbook app on your iPhone6 or 6+, or Apple Watch. Then, pay for purchases by holding your iPhone 6 near a contactless reader with your finger on TouchID™. No need to open an app or even wake your phone.

How do I use the Apple Pay App?
For step by step instructions and more details click here.

Apple Pay Terms and Conditions with Credit Card Agreement for Mobile Wallet:
Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
Credit Union of Denver does not provide, endorse, nor guarantee any third-party product, service, information or recommendation listed above. The third parties listed are not affiliated with Credit Union of Denver and are solely responsible for their products and services. All trademarks are the property of their respective owners.

Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

Bill Pay

When I log into bill pay the screen reads my session is timed out
If you are using a Mac, we suggest to not use Safari as a web browser. Please use another browser such as Google Chrome or Fire Fox.

If you have changed browsers and the problem persists, make sure you have enabled 3rd party cookies.

Each browser has a different set of instructions. To enable cookies please follow the instructions below.

Enable third party cookies for Internet Explorer:

  1. Click on Control Panel
  2. Choose Internet Options
  3. On the General tab, click the Delete button under the Browsing History to remove cookies
  4. Click on the Advance tab
  5. Under the Browsing title, click on the box next to Enable third-party browser extensions
  6. Click Ok

Enable third party cookies for Safari in Mac OS X:

  1. Start Safari
  2. From the Safari drop down list select Preferences
  3. Click the Privacy icon
  4. Next to Block cookies, select the from third parties and advertisers radio button.
  5. Close the preferences window.

Can I send out international bill payments?
No, Credit Union of Denver cannot process any bill payment outside of the US.

Can I send Money to a person’s account at another financial institution?
Yes, simply set the person up as a Payee and enter their account number and routing number in bill pay.

Do all bill payments go electronically?
No, only payments going to payees who accept electronic payments go electronically. If the payee does not accept electronic payments, the payment will be sent as a physical check.

Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today


I am having issues viewing and/or printing my eStatements. What do I need to do to view or print them?
It is important to be using the most up to date browser when trying to retrieve and review your eStatements. The system has been updated so your computer browser will need to be updated as well. Please click here for step by step instructions to access your eStatements with the most popular browsers.
If after you try these steps and it still does not solve your issues, please contact us on our secure email or call us at 303-239-1150 or 1-800-279-3288.

I am a new user and I need a Call 24 PIN. How can I get one?
A Credit Union of Denver representative will need to set up a Call 24 PIN for you. For assistance please contact us on our secure email or call us at 303-239-1150 or 1-800-279-3288.


Mobile Banking

How can I use the mobile app?

For Devices using Apple IOS or Android

  1. Download the Credit Union of Denver app (available at your app store). Open the application.
  2. At the login screen, enter your User ID and Password.
  3. After entering your User ID and Password, an email will automatically be sent to your primary email address containing a security code. Check your email for the code and enter the code on the “Security Code” screen. Enter.

**Please note: If you don’t have your current email address on file with Credit Union of Denver, please update it through cudonline prior to setting up mobile banking.
To avoid errors for new users, or if you are having issues using your mobile app, make sure you are using the most updated version of the application. Please visit your app store for more information and to update.

What happens if I get locked out of mobile banking?
For your security, your account is locked if you have incorrectly entered a password too many times in a row.

To reset your password using your mobile app

  1. Click on the forgotten password at the login screen.
  2. Enter the required fields and click Reset Password, this will send a temporary password, sent to the email address on file.
  3. Use the temporary password to login into the mobile app,

The app will prompt you to change the temporary password to a permanent password of your choice.

To reset your password over the phone
303.239.1150 or 800.279.3288

To reset your password via our secure email portal
Email us through the secure portal

Is there a cost for mobile banking?
C·U·D does not charge a fee. Depending on the terms of your contract, your wireless carrier may charge you for using web-enabled features on your device.

What limitations does mobile banking have?
Unlike cudonline, mobile banking cannot view check images, prior statements, or tax information. You also cannot setup a new Bill Pay Payee.

What can I do to protect my phone or mobile device and keep my information safe?

  1. Treat your smart phone like a computer and protect it with anti-virus software.
  2. Use the Keypad lock or phone lock function of your mobile device when not in use.
  3. Delete text messages, e-mails, and other sensitive information before loaning out or selling your mobile device.
  4. Avoid storing passwords or other sensitive information on your mobile device where it could be discovered if your device is lost or stolen.
  5. Never disclose via text message, phone call or e-mail your personal or financial information,
    • Account numbers
    • Passwords
    • Social Security Number
    • Date of Birth
  6. Be cautious when using public hotspots.
  7. Consider your WiFi and Bluetooth connection settings (even at a trusted retailer), fraudsters can spoof the name of reputable hotspots.
  8. Download the most recent versions of apps and keep them updated.
  9. Sign off when you are finished using the Credit Union of Denver app rather than just closing it.

Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

Mobile Deposit Capture

Are my funds available immediately?
No, funds are not available immediately. Once the deposit has been completed using the mobile application, that information is sent to the credit union electronically. The electronic deposits will be posted by Credit Union of Denver on the next business day at 9:30 am or 2:30 pm. Once the deposit has been posted to your account the funds are still subject to Credit Union of Denver’s and Regulation CC check holds. Please keep the check for 90 days.

Should I keep the check?
Yes, you should keep the check for 90 days.

How can I check the status of my mobile deposit?
The deposit will not appear in your online banking transaction history until it has been posted. To check the status of the mobile deposit, go into your mobile application, then click on mobile deposit and finally click on mobile deposit history. Here you can see if your deposit is pending, accepted, or rejected.

When I click on the mobile “deposit” I get this error, “You do not currently have access to use mobile check deposit.” Why can’t I access mobile deposit?
Yes, unfortunately there are some accounts that are restricted from mobile deposit. If you have received this error message your account has been restricted. Restricted accounts include:

  • Accounts less than 30 days old
  • Business Accounts
  • TTM Accounts
  • Accounts deemed ineligible by C·U·D

If you do not fall under any of the categories listed above and you are still getting the same error or any other error, please contact us at 303.239-1150 or 800.279.3288.

Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

Online Banking

What Browsers are supported with your online banking provider?
C·U·D Online Banking (cudonline) is compatible with these Browsers:

The current release on:

  • Microsoft Internet Explorer®
  • Apple Inc. Safari®
  • Mozilla Firefox®
  • Google Chrome
  • Opera®

Please consult your operating systems website to confirm you have the latest in technology downloaded.
Cookies and JavaScript must be enabled, Java must be updated.

cudonline is compatible with the following Operating Systems:

  • Windows 7 and above
  • We support the most common versions of Apple MAC OSX

Our mobile banking app is compatible with the following Mobile Operating Systems:

  • Android version 2.3 or above
  • IOS 8.0 and above

Other browsers and operating systems may be used; however, they are not supported by C•U•D and some features may not function properly. For maximum security, always use the latest version of a browser. Beta versions of browsers and operating systems are not recommended or supported. Additionally, if a browser or operating system is no longer supported by the vendor, it is not supported by C•U•D.

My user ID has been replaced with a series of random scrambled letters and numbers. Is there something I am doing incorrectly?
This is a way to inform you that you have input the wrong user ID.

I’ve forgotten my User ID, how can I access cudonline?
Use your account number as your User ID. You may personalize your User ID within cudonline by clicking on the “User Options” tab and then “Change User ID”.

I’ve forgotten my password, how can I access cudonline?
Use this password reset tool, or contact us by using this secure email link, or call us at 303.239.1150 or 800.279.3288.

Mobile App password reset
Click on the “Forgotten Password?” link at login screen of your mobile app, enter the required fields and click “Reset Password”, this will send a temporary password, sent to the email address on file. Use this temporary password to login into the mobile app, the app will prompt you to change the temporary password to a permanent password of your choice.

Important: We do not have access to your password. In the case of a forgotten password, please use our password reset tool or contact us to reset your password.

How can I find and review C•U•D disclosures?
Simply view C•U•D disclosures.

How can I change my address?
You can change your address by logging into your account and clicking on user options and then click change address. Or you may complete and sign this form.  Once the form is completed you can

  • Fax 303.239.1108,
  • Mail Credit Union of Denver, P.O. Box 261420, Lakewood, CO 80226,
  • Scan and send through our secure email portal.

How do I transfer funds?
Once you have logged into your account online, hover your cursor over “Accounts” then click on transfers.

Where can I find history prior to 90 days online?
To find history older than 90 days online you will need to access eStatements. To find eStatements, log into your account then hover over accounts and click on eStatements.

Can I use the Quicken “Direct Connect” method to export data from C·U·D account?
No, unfortunately the only way to export data from your C·U·D account is to use the export feature within cudonline banking.

I’ve opened Quicken and tried to connect to you to download my files; it does not work. How can I do this?

  1. To export your transactions, hover cursor over Accounts, then click on Export.
  2. Choose the account you would like to export history.
  3. Select Quicken Web Connect as your Export format, and click the Download Data button. Do this for each account you wish to export.
  4. Open Quicken. The exported history items will be automatically uploaded.
    Our Online Banking Export feature is compatible with the most current version of Quicken as well as QuickBooks.

How do I export transaction history from MyMasterCard to Microsoft Excel?

  1. First make sure to login to your MyMasterCard Account.
  2. Click on “View Transactions”.
  3. Under Transaction History you will find two drop down menus, click on the one that says, “I want to…” and “Select Export to Excel”.

It takes so long to download data, my session times-out and I have to start all over. How do I fix this?
We suggest that you increase the time limit on your connection with us. To increase the time limit click on User Options in cudonline and then select Change your timeout. If you need longer than the maximum time, link back to the main screens of cudonline.


Online Banking – Error Messages
When experiencing an error message, try the following steps before contacting us:

  1. Clear the cache, reload, or refresh.
  2. Close the browser.
  3. Retry.
    After trying this and you still continue to receive the error message, contact us by using this secure email portal, or call us at 303.239.1150 | 800.279.3288.
    Important:  When reporting problems to us, please have as much information ready as possible (e.g. when the problem occurred, browser version, etc.).

To show us the exact error message that you are receiving, display the error message on your screen and take a screenshot on your device.


Can I email C•U•D with personal information?
To email C·U·D, please use our secure email portal and send us a message.
Do not send us any personal information using an unsecured email like your personal email platform. Always protect information like,

  1. Account numbers
  2. Passwords
  3. Social Security Number
  4. Date of Birth

Unsecured emails are not protected and your information may be compromised.
I’m worried I may be a victim of identity theft. What do I do?
Phone C•U•D immediately at 303.234.1700 | 800.279.3288.

Our education page offers information on identity theft and what to do if you think you’re a victim.

Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today


Are my funds federally insured?
Yes. Your deposits are insured to at least $250,000 by the National Credit Union Administration (NCUA), an agency of the federal government. IRA accounts are separately insured up to $250,000 by NCUA.

What is Regulation D?
Regulation D is a federal regulation that limits the number of electronic transfers from money market and savings accounts. Under Regulation D, a maximum of six transfers per month from a savings or a money market are allowed. These transactions include phone requests, Overdraft, Online Banking, email requests and faxed requests. There are no limitations on ATM, in-branch or shared-branch transactions. Please Note: This is a regulation mandated by the federal government. This is not a Credit Union policy.

How do I remove a joint owner from my account?
The primary member and the joint owner being removed must complete a Joint Owner Removal form. To obtain this form please visit one of our main branches or you may contact us directly at 303.234.1700 or 800.279.3288.

How do I change my name on my account?
Once you have changed your name with Social Security, you must complete a Name Change form. In conjunction with your name change form you must also return the form with your new government-issued ID supporting documentation confirming the change (marriage certificate, divorce decree etc.).  To obtain this form please visit one of our main branches or you may contact us directly at 303.234.1700 or 800.279.3288.

How can I change my address?
Your address can be updated through C·U·D online under User Options>Change Address. You can change your address by completing an Account Update form or in person at one of our main branches.

What are the minimum balance requirements for C·U·D Checking and Savings Accounts?
C·U·D does not have minimum balance requirements on our Checking account. You must open a Savings account with a minimum of $5.00 before obtaining subsequent deposit or loan products.

How can I make deposits to my account?
You can make deposits in person, by mail, or by ATM. You can also make deposits conveniently through payroll deduction, Direct Deposit and for select accounts, by Mobile Deposit.

How can I withdraw money?
You can make cash withdrawals in person at any Main Branch, CO-OP Shared Branch or ATM. If you have a C·U·D checking, you can also withdraw money by using your free debit card.

How do I put a stop payment on a check?
A stop payment request may be made in person or via phone through our Call Center at 303.234.1700 | 800.279.3288. There is a fee for this service.

Who do I call if my checks are stolen?
If you discover your checks have been lost or stolen, please contact our Call Center at 303.234.1700 | 800.279.3288.

Can I order personal checks online? What types of check styles do you offer?
After your initial order of checks, you can reorder checks or view styles online.
If you would like information on check styles or prices offered, phone our Call Center at 303.234.1700 | 800.279.3288

How long will it take to receive my checks?
It usually takes between four to seven business days to receive personal checks.

Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

Applications and Forms

Where can I find frequently used applications and forms?
Visit our forms page for printable and online applications and forms. Or, phone our Call Center at 303.234.1700 | 800.279.3288 or visit any Credit Union of Denver branch.


Call24 – Automated Telephone Banking Service
What is the phone number for Call24?
To use this service call 303.231.9014 or 800.951.9014

How do I sign up for Call24 and obtain an access code?
You can sign up for Call24 by visiting a Credit Union of Denver Branch or phoning our Call Center at 303.234.1700 or 800.279.3288.
Call24 Quick Reference Guide

How do I reset or change my access code (Call24 PIN)?
If you have forgotten your Call24 PIN, please contact the credit union.
If you would like to change your access code (Call24 PIN), please call 303.231.9014 or 800.951.9014, carefully listen to the prompts for guidance. Use the reference guide for faster access.

Are the transactions I make in “real-time?”
All transactions made during business hours take effect immediately. Transactions made after business hours, on a weekend or on a holiday will be posted on the next business day with an effective date of the actual transaction date.

How many transfers can I make each month through Call24?
A total of six electronic withdrawals or transfers per month are allowed from all Savings and Money Market Accounts. However, unlimited withdrawals and transfers can be made through an ATM or in person at a Credit Union of Denver Branch or a shared-branch.

Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

Consumer Loans

Do I have to be a member to apply for a loan?
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.

How can I apply for a loan?

Is there a fee charged to apply for a loan?
There are no fees involved when applying for a Credit Union of Denver consumer loan.

What are the minimum qualifications for a loan approval?
You must be employed or have a verifiable source of income, the ability to repay the debt and a stable credit history.

What type of income verification is required for self-employed individuals?
We require copies of your tax returns from the two most recent years and a Profit & Loss report completed by an accountant.

Are there any prepayment penalties for paying off a consumer loan?
No, you can pay off any Credit Union of Denver loan without incurring a prepayment penalty.

Are Consumer Loans offered in all 50 states?
Yes, our loans are available to members residing in any of the 50 US states and territories. Mortgages are restricted to Colorado.

How long does it take to fund the loan?
If you are requesting a MasterCard® or Personal loan, funding can usually take place within two business days provided all required documents are received and signed. Vehicle Loan funding, depending on the type of purchase or refinance, can generally be completed within a couple days provided all appropriate documents are received and signed.

Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

CURewards® Mall FAQs

What is the CURewards® Mall?
CURewards Mall is a program that allows you to earn Mall points, by shopping at your favorite brand-name retailers within the CURewards Mall network. So stock up on clothing, electronics, entertainment, home and garden gear and more, and you’ll earn Mall points with each purchase!

How do I earn points through the CURewards Mall?
Earning is easy. Every time you use your C·U·D MasterCard credit card at the participating retailers listed on the CURewards Mall website, you’ll earn Mall points. Just remember to click on the links in each offer, or use your card when shopping in participating retailers’ stores.

When will I Receive my Mall Points?
Mall points can take up to 30 days to be credited to your account after the date of purchase.

Will I earn base points (i.e. 1 point for $1.00 spent) plus Mall points when I shop in the CURewards Mall?
C·U·D cardholders who shop in the CURewards Mall will still earn base points awarded through the CURewards program for signature-based purchases plus bonus points from the Merchants with whom they shop.

How do I Find a Participating Retailer?
To find a retailer where you can earn Mall points, simply view the list of “In-Store Mall” retailers or shop directly through the website at the Online Mall retailers.

Do I need to do anything extra when shopping in-store?
Nope! Just make sure you use your credit or debit card and sign for your purchases when you shop and you’ll automatically earn Mall points.

What is the cost to participate?
Participating in CURewards Mall is free for CURewards members. It’s just our way of saying thank you.

How do members stay up to date on newly added offers?
Simply visit the CURewards Home Page (located under “Member Connect” at the top of this page), look for the CURewards Mall section in the far left corner and click on the “New Mall Offers” button in this section to see all the newly-added offers. While on the website you can also sign up to receive emails with special offers.

Direct Deposit

Do you offer payroll deduction or direct deposit?
Yes, we can receive payroll deduction and direct deposit from participating employers and government institutions.

What is the Routing and Transit Number my employer can use to begin my direct deposit?
307075259. It is the first nine digits on the bottom of your check.

Can I request part of my direct deposit to be distributed to other Credit Union of Denver accounts?
Yes, you can request direct deposit funds to be distributed to an unlimited number of Credit Union of Denver accounts on which you are a joint owner or co-borrower.

When will my direct deposit distributions take place?
The distributions will take place after we receive your direct deposit. This usually takes two pay periods to begin.

If I am on direct deposit or payroll deduction, how long after I am paid will the funds be deposited into my account?
Your funds will be deposited as soon as we receive the fund from your employer or funding source.

Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

MasterCard Debit and Credit Cards

What is the difference between a MasterCard Debit Card and a MasterCard Credit Card?
MasterCard Debit Card is available to members with a C·U·D 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.

How long does it take to receive my MasterCard Debit Card or MasterCard Credit Card?
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).

Can I order an additional Debit Card for my spouse?
Yes, as long as he/she is a joint owner on your account.

What do I do if my Debit Card or Credit Card is declined?
If your card has been declined, please call our Card Department during business hours.

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

What do I do if my Debit Card or Credit Card is lost or stolen?
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 or 800.279.3288
    (Monday – Friday, 8:30 am through 5:00 pm, or Saturday 9:00 am through 12:30 pm MST)

Do deposits made at ATMs have a hold placed on them?
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.

How do I dispute a transaction made with my MasterCard Debit Card?
For assistance with your particular situation, please phone our Card Department at 303.963.1340 | 800.279.3288.

How do I dispute a transaction made with my MasterCard Credit Card?
Assistance on Credit Card transactions are handled directly by MasterCard at 866.820.5890

I am traveling and my MasterCard is not working

  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)

My MasterCard is lost or stolen.
To report your MasterCard lost or stolen call MasterCard at 800.449.7728.

How do I export transaction history from MyMasterCard to Microsoft Excel?

  1. First make sure to login to your MyMasterCard Account.
  2. Click on “View Transactions”.
  3. Under Transaction History you will find two drop down menus, click on the one that says, “I want to…” and “Select Export to Excel”. 

Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today


What is a credit union?
Credit Unions are not-for-profit, member-owned financial cooperatives. Unlike for-profit banks whose purpose is to increase the wealth of their stockholders, often at the expense of their customers, credit unions’ purpose is to give our members the best value and service possible.

How is a credit union different from a bank?
Banks are for-profit companies that exist to generate high levels of profit for their stockholders. Bank stockholders elect a paid board of directors to run the bank and to financially benefit stockholders, not the bank’s depositors. Credit unions are not-for-profit organizations that were founded on the idea of “people helping people”. They are member-owned and exist to serve their members, with a volunteer board of directors.

Ways you can become a member?

  • If you live or work in Adams, Arapahoe, Boulder, Denver, Douglas or Jefferson counties.
  • If you work for most federal government agencies, RTD or Yellow Cab.
  • If you attend one of our many affiliated schools including Metropolitan State, Community College of Denver and Art Institute of Colorado and many others.
  • If you join Consumers United Association.
  • For a full list of our affiliated groups click here.

Are my family members able to join?
If you are an immediate family member or a household family member of an existing Credit Union of Denver member, you are also eligible for membership.

  • Immediate family members:
    • Spouse
    • Children
    • Adoptive children
    • Siblings
    • Parents
    • Grandchildren
    • Grandparents
    • Stepchildren
    • Stepsiblings
    • Stepparents
  • Household family members:
    • Persons living in the same residence, maintaining a single economic unit.

What happens if I stop working for my employer who offers the Credit Union benefit?
Once a C·U·D member, always a C·U·D  member! We can help you transfer your Direct Deposit, 401k or any other products or services associated with your ex-employer. Call the Call Center 303.234.1700 | 800.279.3288.

Is there a minimum deposit required to become a member?
Yes, a minimum deposit of $5 is required to open a Credit Union of Denver Savings Account and to establish your membership.

How long does it take to process my membership application?
Provided we have all necessary documents, processing normally takes just one or two business days upon receiving your application.

As an employer, how can I join your field of membership?
Contact our Business Development Department Manager Dario Damian at 303.963.1306

Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today


What is MoneyDesktop and is it safe?
MoneyDesktop is a financial aggregate. In other words, it pulls together all your financial information into one location so you may view your entire financial picture. This in turn help you know where your money is and if the balances are changing in the right direction.  The security on this associated site is provided at a military grade level.

Mortgage Loans

Can C·U·D help me purchase a home?
Even though C·U·D does not offer First Mortgage to purchase a home, we are proud to team with Centennial Lending.

How can I use the equity in my home?
We offer many options to make your equity work for you with great rates. For a full list of our mortgage products click here.

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

When do my mortgage payments start?
Your first mortgage payment is usually 30 days after closing. The actual date of your first payment will be included in your closing documents.

What documents should I have to expedite the mortgage loan process?
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

Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

Routing and Transit Number

What is Credit Union of Denver’s Routing and Transit Number?
 307075259. It is the first nine digits on the bottom of your check.

Transaction Locations

What is the CO-OP Shared Branch?
The CO-OP Shared Branch allows you to access your Credit Union of Denver accounts at participating non-Credit Union of Denver branch locations nationwide. You can make deposits, withdraw cash, make loan payments, and transfer funds between accounts and more. Learn more about the CO-OP Shared Branch and find a location near you.

What are your Branch hours?
Please view a complete listing of our branches for operating hours.

What is required to perform transactions?
You simply need to provide your member number and a valid government-issued identification with photo and signature in a branch. You can also conduct transactions through cudonline banking, our Call Center and Call24 – our automated telephone banking service.

Experience Smart Banking – Call 303.239.1150 or 800.279.3288 today

Wire Instructions


To have funds wired from another institution to the Credit Union of Denver, the information below is required tin order to facilitate the wire:

  • Routing Number for Credit Union of Denver:    307075259
  • Your Account Number:    1234567 (example)
  • Suffix you want funds deposited into:    00 – Savings,    06 – Checking,   40 – Money Market
  • Required Beneficiary Information:   Name, account number, address, city, state and zip code where funds are to be deposited once received by the Credit Union (e.g. Joe Smith, 9305 Alameda, Lakewood, CO 80226

***If you do not specify an account number suffix, the funds will be deposited into your savings account.***

If you have any questions please call 303.234.1700 or 800.279.3288.


To have funds wired from Credit Union of Denver to another institution, the following information is required to facilitate the wire:

  • Photo Identification
  • All wire instructions from beneficiary and beneficiary financial institution
  • Beneficiary name and physical address
  • Must come in person to submit request

All information must be submitted and verified prior to 12:00 pm MST in order for the wire to go out on the same day.