Alameda Branch Lobby Re-Opened  – New Hours & Other Changes


Another Free Benefit for Members!

Credit Score & More - What's your credit score?

Wondering what your credit looks like? Wonder no more!

Check it out within online banking. Credit Score & More!

This optional free benefit is available from within cudonline and our mobile banking app. Your credit score is more than just a number – it’s a way for lenders to determine whether you are eligible for a loan, for rental properties and insurance agencies to give you access or rates based on your credit worthiness. Managing your credit is an important part of your financial well-being. It will guide your financial picture on how much interest you pay, which effects your payments, which affects your budget, etc.

Here is what this program provides –

    • Your Credit Score (TransUnion Vantage Score)
    • This is a soft pull & will not affect your score
    • Views to your entire credit bureau report
    • Allows for credit report disputes through TransUnion
    • Compares rates and looks for opportunities to save money
    • Updates you when your score changes
    • Protects and manages your credit with this monitoring tool
    • Protects your identity – see if anyone is using your info through alerts

See more information in our blog on Smart Stuff.


HELOC – Don’t Move, Improve!

Limited Time Offer - Home Equity Line of Credit. Model of a house being remodeled

The Colorado housing market is one of the hottest in the nation! You may have more value in your home than you realize. Take advantage of your increased value and save big with our low interest rate HELOC for a whole year! A Home Equity Line of Credit (HELOC) is a form of revolving credit 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 C•U•D 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 may need!

FOR A LIMITED TIME – Special rate extended through September 30, 2020 – We have rates as low as 2.99% APR* up to 80% CLTV**, as well as 4.49% APR up to 90% CLTV.

Credit Union of Denver is your trusted financial resource that has your best interests at heart. We will be on your side to help you through each and every step of the way!
To speak to a Loan Specialist, please call 303.202.5659 or 800.280.0234

* 2.99% & 4.49% APR (Annual Percentage Rate) are special promotional rates & are good on new HELOC loans opened or applications submitted March 1, 2020 – September 30, 2020. With approved credit. 2.99% APR not to exceed a **Combined Loan to Value (CLTV) of 80%, 4.49% APR not to exceed 90% CLTV, both have a term of 20 years. Special rate is good for 12 months from closing date. Variable annual percentage rate (VAPR) will apply after promotional period ends and is based on credit worthiness at time of application. Best rate is 0.50% [“Margin”] below Wall Street Journal Prime Rate “Index”] subject to the floor rate of 6.00% and ceiling rate of 18.00%. No closing costs in most cases, but an appraisal and/or title insurance may be required at member expense. Not available on refinance of current CUD mortgage loans. Owner occupied and Colorado properties only. Equal Housing Lender. NMLS: #417000.HELOC disclosures.

Woman and daughter putting money into Piggy Bank. Youth Account Promotion.

Our Youth Account is specially designed for our young members’ ages 0-17 years old. We offer an above-market rate (2.01% APY*) on balances up to $1,000.00. If you open a Credit Union of Denver Youth Account before June 30th, 2020, both the Member and the Youth Account Owner, who meet the qualifications, will each receive a $25 deposit into their accounts within the established time allowed by the promotional time frame.

Qualifications are:

  • Must open a Youth Account (0-17 years old) with a minimum of a $5 deposit.
  • Generate an automatic reoccurring monthly deposit in the first 60 days of at least $10 for a minimum of two consecutive months.
  • Deposits need to remain in the account for at least 60 days before the $25 bonuses will be deposited, after qualifications are met.

Please contact our member service department to arrange for an appointment to open your new youth account(s) today at 303.239.1150 or 800.279.3288. You will need the social security number and birth date of the youth account holder and a government issued ID for the joint account holder that is a parent, grandparent or legal guardian. Don’t forget to check out our checking accounts to introduce your teen on how to manage their money.

The month following their 18th birthday, the Youth Account will change to a standard savings account, earning the prime share rate at that time.
Please Note: The child must be the primary account holder. Only one Youth Account per child. You may read all of the qualifications here.

*APY = Annual Percentage Yield. Federally Insured by NCUA.

Refer Friends and Family to Credit Union of Denver - picture of man telling you a secret

BONUS:
If your teen signs up for a C∙U∙D Rewards Checking account, YOU will receive $25.00, and THEY will receive $25.00*! It’s our Friends and Family Referral Program!  For a limited time, you can combine Friends & Family incentive with our Youth Account Promotion. Double your “Seeing Double” benefits*!

Help your teen sign-up for one of our rewarding checking accounts and uses it for at least 6 transactions within the first 60 days. We know it will be a great move for your teen. We just need you to let us know you referred someone by completing this Friends and Family form and return it to C•U•D through the mail, fax or our secure portal.

Sounds pretty simple, right? We want it to be easy for you so you both can enjoy the extra cash in your accounts.

This is a great opportunity to teach your teen about finances with their own Rewards Checking Account!

* Referred new member must open a checking account and have at least six (6) debit card and/or check transactions within the first sixty (60) days. Member must submit a legible form for participation consideration. If qualifications are met: $25 will be deposited into both members’ accounts after 60 days of the checking account open date. Both accounts must be in good standing. A 1099-INT will be issued for the new member account. If combining with Youth Account Seeing Double promotion, the account holder must meet those qualifications to take advantage of the Double Seeing Double offer.


Love my Credit Union Membership Rewards

More Credit Union Rewards…Take advantage of exclusive discounts and benefits on products and services you use every day! Need Insurance? Tru Stage Insurance is offered at group rates: Auto, Home, Life, Accidental Death or Dismemberment, etc. TurboTax discounts and Sprint offers $200 refund for each line you move over to them! No limit on the lines! This is only for credit union members. Plus, bonus money, when you renew the following year, you get another $200! Don’t miss out on all the rewards.

Check out how you can take advantage of these deals! Follow the links and read about all the Member discounts and benefits with Love My Credit Union, courtesy of Credit Union of Denver!

Click here to save on TurboTax software!

Sprint Credit Union Member Cash Rewards

Click here to save with Sprint!

TurboTax Banner Discount - Young child with falling money

Take advantage of your Credit Union of Denver Member discount! Download your tax docs today!


What’s better than Free? Getting PAID!

Cashback Rewards Checking

This outstanding checking account helps you earn the most on the account you use the most!
If you meet the minimum requirements, you can earn up to 5% of your debit card transactions up to $5 each month, plus receive up to $25 of ATM fees refunded each month.

  • Earn Up to 5% of Debit Card Transactions up to $5 monthly
  • Receive up to $25 in ATM fees refunded monthly
  • No Minimum Balance
  • Free CUDeals – Additional Cashback Rewards using your debit card
  • Free Direct Deposit
  • Free Debit MasterCard® Instantly Issued in house
  • Debit Card Enhancements Include:
    • Identity Theft Resolution | Assisted Restoration
    • Extended Warranty Insurance
    • Price Protection
    • Satisfaction Guarantee
  • Free MoneyDesktop Financial Tool
  • Free Mobile Banking with Text Alerts
  • Free Mobile Deposit Capture
  • Free Online Banking with Free eStatements
  • Free Bill Pay
  • Free Call24
  • Overdraft Options Available
  • One (1) NSF Fee Refund per calendar year
  • Unlimited in-branch teller transactions at over 5,600 Shared Branches across the U.S.
  • Access to over 30,000 Free ATMs nationwide including most 7-elevens
  • Only a 1% Foreign Transaction Fee

To earn 5% of your debit card transactions up to $5 and up to $25 in ATM fee refunded, members must utilize Direct Deposit (if employer does not offer, an electronic deposit will suffice, i.e. mobile deposit or an electronic transfer from another financial institution), eStatements and have 15 Debit Card transactions required monthly (online or at retail establishments). The good news, it’s free – no fees to have the account & no penalties for not hitting the requirements. If you don’t meet the requirements, you’ll have the whole next month to reach the rewards again! Your monthly eStatements will spell out if you have made the requirements or not.

Apply Today!

Existing members, select button below based on existing account ownership. If you would like to open a checking account with different ownership, please choose the New Member button above, which will prompt you to also open a new prime share. If you have more than two owners, contact the credit union at 303.239.1150 or 800.279.3288.

*The timing of debit card transactions hitting your account are not in the control of the credit union. A Prime Share (savings) account with a $5.00 deposit is required for membership prior to opening a checking account.
CUDeals – terms and conditions  have all the details.

1st Place Mortgage. No closing costs in most cases. House on a key.

We offer a First Place Mortgage, an innovative C•U•D product developed to allow you to use the equity in your home without paying the higher closing costs of refinancing. If you have sufficient equity in your home the First Place Mortgage is a great alternative for that extra cash you need to pay off bills, take a vacation or just lower your 1st mortgage rate.

The First Place Mortgage will take the place of your first mortgage you have elsewhere.
To get started, call our C•U•D Loan Specialists at 303.202.5659 or 800.280.0234.

    • Fixed Rate
    • $0 Closing Costs, in most cases (appraisal and/or title insurance may be required)
    • Terms available up to 30 years
    • No pre-payment penalty
    • LTV (Loan to Value) no more than 80%. Maximum loan amount $1,000,000
    • Payments include principal and interest only (escrow may be required)

 


Bring Your Auto, Motorcycle or RV Loan over to C•U•D and Get Paid!

Auto Refi promotion - happy dog with it's head out of a car window

Bring over your qualified auto loan* from another bank and you’ll receive:

$200 Cash 
plus
an opportunity to take a 2 month payment vacation
&
at least 2% APR off your rate*

Plus Enjoy
• Great Low Rates
• Up to 72 month terms†
• 100% financing
• Easy payment options
• Easy to apply with our 24 hour online loan application
Call us at 303.202.5659 | 800.279.3288 or apply online

*2% off your current APR (Annual Percentage Rate) for auto or motorcycle loans from outside C•U•D. Floor rate applies, see current rates.
†Terms up to 72 months. With approved credit. Rate discount and $200 valid on loans over $7,500. 2 months no payment is equal to 60 days no payment and interest will accrue from date of loan closing. $200 to be deposited into savings account within 30 days of closing. Expires December 31, 2020. Credit Union of Denver reserves the right to withdraw this offer at any time without notice.

RV refinance - Get $200 cash and a 2 month payment vacation. RV in Spring pasture.

Credit Union of Denver is helping you save money and we’re putting cash in your pocket! Bring over your RV loan from an outside financial institution and you will receive:

$200 Cash 
plus
an opportunity to take a 2 month payment vacation
&
at least 2% APR off your rate*

Plus Enjoy
• Great Low Rates
• Up to 240 month terms
• 100% financing
• Easy payment options
• Easy to apply with our 24 hour online loan application
Call us at 303.202.5659 | 800.279.3288 or apply online

*2% off your current APR (Annual Percentage Rate) for tow behind camper/travel trailer, motor home, and truck camper loans from outside C•U•D. Floor rate applies see current rates, terms up to 240 months depending upon loan amount. With approved credit. Rate discount and $200 valid on loans over $7,500. 2 months no payment is equal to 60 days no payment and interest will accrue from date of loan closing. $200 to be deposited into savings account within 30 days of closing. Expires December 31, 2020.  Credit Union of Denver reserves the right to withdraw this offer at any time without notice.