Best Free Checking Account Around!

Checking Campaign BANNER 1-2017-01

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 3.0% APY* on balances up to $10,000 and receive up to $25 of ATM fees refunded monthly.

  • Earn Up to 3.0% APY on balances up to $10,000 monthly
  • Receive up to $25 in ATM fees refunded monthly
  • No Minimum BalanceEarns Interest + Rewards
  • 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 MasterCard SecureCode protection against unauthorized users with online shopping
  • 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 year
  • Unlimited in-branch teller transactions at over 5,300 Shared Branches across the U.S.
  • Access to over 30,000 Free ATMs nationwide including most 7-elevens

To earn 3.0% APY and ATM fee refunds, 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). Use of eStatements and 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 will still earn .05%APY interest. However, you 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!

*APY (annual percentage yield, compounded monthly). 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.

Save with Auto Aves & Credit Union of Denver!

Automotive Avenues and Credit Union of Denver are teaming up for our members with a special deal. If you shop and purchase at Automotive Avenues during the months of July and August and finance with C·U·D, you will receive 1/2% off your qualified rate and receive $200 in your account.  Now is the time to act. If you have been thinking of getting an upgrade or even a new car, check with our long time friends over at Automotive Avenues. They are not commissioned paid and they can search for the right vehicle for you. They make the process simple and hassle free. Give them a call to start the process before you ever step foot on the property. Their inventory has over 200 cars, trucks and SUV’s to choose from. So even if you don’t know what you are looking for, they can help you narrow it down. Have fun and good luck shopping!

Transfer Credit Card Debt to C•U•D and SAVE!

Our balance transfer promotion is good for all credit tiers with approved credit.
4.99%apr is good for 12 months from date of transfer. Take advantage of this promotion from now through December 31, 2017.
Balances must be from outside of Credit Union of Denver and on new card accounts opened after July 1st.

Our Black Platinum MasterCard® includes:

  • NO Balance Transfer Fee
  • NO Annual Fee
  • NO Cash Advance Fee
  • Cash Advance Rate is Same Rate
  • NO Over the Limit Fee
  • NO Kidding!

Current rates range from 7.99% to 14.99% Variable Annual Percentage Rate.
When you compare us to others in the area, it will show how we put our members first with our products and services.
Give us a call with any questions or go online to apply.

* APR (annual percentage rate). Promotional rate is offered on transferred balances now through 12/31/17 and will apply toward balances transferred for 12 months from transfer date. Good on all credit tiers with approved credit. After the promotional period, your VAPR (variable annual percentage rate) will be based on your creditworthiness and set margin at the time of approval. Your new rate will be the margin plus Wall Street Prime Rate. Wall Street Prime Rate is subject to change. As of 07/1/17, current rates range from 7.99% to 14.99% based on credit worthiness. New credit card accounts are eligible to receive this promotion. Credit Union of Denver reserves the right to revoke or change this promotion at any time without notice. Membership at Credit Union of Denver is required.
Click here for Credit Card Promotion disclosures.

Refinance Your Auto or Motorcycle Loan over to C•U•D and

Bring over your auto loan from another bank and you will receive:

at least 2% off your rate
$200 cash 
an opportunity to take a 2 month payment vacation.

Plus Enjoy
• Great low Rates
• Save at least 2% APR off your current rate*
• 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

Fine Print:
*2% off your current APR (Annual Percentage Rate). With approved credit, at least 2% off current auto or motorcycle loan rate from outside C•U•D. Floor rate applies on autos and motorcycles. Terms up to 72 months. At least a 2% rate discount and $200 valid for loans over $7,500. 2 months no payment is equal to 60 days no payment from date of loan closing. Expires September 30, 2017.  Credit Union of Denver reserves the right to withdraw this offer at any time without notice.

Credit Union Magic Minute!

Our members have a chance to win an all-inclusive, 3 day/2 night trip to Chicago for two, as well as a 60-second mad dash through the fully-stocked CURewards® warehouse – just for using your CURewards Credit Union of Denver Platinum MasterCard®. All you have to do to be eligible is register on the CURewards website and keep your credit card engaged at least three times a week.

You’ve seen it on TV, right? Someone racing down aisles like a person possessed, grabbing items right and left. Trying to beat the clock. And you may have wondered how it might feel to be that person. Well, maybe it’s time to find out.

As if a no-holds-barred shopping spree weren’t enough, take note. You’ll be running through a Rewards warehouse located in one of the most magical cities in the country – Chicago, Illinois. And it won’t cost you a dime. The airfare, hotel room, meals, entertainment, thousands of dollars in merchandise, three days and two nights… it’s all on us. Check out this video!


Come to think of it, calling it a Magic Minute is not exactly accurate. It’s more like days of Magic Minutes, if not the trip of a lifetime.

Enter to win now!
Go to your credit union Rewards website to enter.
Visit for details.

C∙U∙D credit cardholders can register anytime between June 19 and September 24, and will be entered for the weekly drawing simply by using your CURewards Credit Union of Denver Platinum MasterCard  three times a week.

No purchase necessary to enter or win. Open to cardholders who are legal residents of the 50 U.S. states, D.C. or Puerto Rico, 21 or older, who are enrolled in a participating credit union CURewards program. Ends 9/24/17. Void where prohibited. See full rules and how to enter without purchase at Sponsor: PSCU, 560 Carillon Parkway, St. Petersburg, FL 33716.

Alternate eligibility is also available on
Details | Terms and Conditions

Imagine the Possibilities with our HELOC as low as 2.50% & 4.50% APR*

To help our members through the process of managing the damage sustained from the BIG hail storm, we have EXTENDED our HELOC low rate promotion thru August 31, 2017.

According to the FED, rates are on the rise, so lock in these low rates now to reserve your home equity line of credit!

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Make the Equity in Your Home Work for You and Take Advantage of our Limited Time Special Rate!

The Colorado housing market is on fire! 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 can dream up! 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  

*APR Annual Percentage Rate. * 2.50% & 4.50% APR (Annual Percentage Rate) are Introductory Rates good on new HELOC loans opened or applications submitted Mar. 1 2017 – August 31, 2017. With approved credit. 2.50% APR not to exceed a *Combined Loan to Value (CLTV) of 80%, 4.50% APR CLTV not to exceed 90%, both have a maximum term of 20 years. Introductory rates good for 12 months from closing. 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 C•U•D mortgage loans. Owner occupied and Colorado properties. HELOC disclosures.

Log in to your online banking – cudonline – and go to the Online Services tab at the top and select eStatements. Follow the prompts from there and you are done! Its simple and safe!

Good luck and thank you for going green with C·U·D!

Refinance Your RV – EXTENDED thru July 31st

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:

at least 2% off your rate
$200 cash 
an opportunity to take a 2 month payment vacation.

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

Fine Print:
* APR (Annual Percentage Rate). With approved credit, good for tow behind campers/travel trailers, motor homes, and truck campers. At least 2% off current loan rate from outside C•U•D. Floor rate applies, terms up to 240 months depending upon loan amount. At least a 2% rate discount and $200 valid for loans over $7,500. 2 months no payment is equal to 60 days no payment from date of loan closing. Offer expires September 30, 2017. Credit Union of Denver reserves the right to withdraw this offer at any time without notice.

First Place Mortgage – Designed for those with substantial equity in their home

Put your home’s equity to work for you.

Our First Place Mortgage, an innovative C•U•D product, will 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 and are looking for a shorter term, this is a great alternative for that extra cash you need to pay off bills, take a vacation or just lower your 1st mortgage rate.

This C•U•D exclusive will take the place of your 1st Mortgage.  Call our C•U•D Loan Specialists at 303.202.5659 or 800.280.0234.

  • Fixed Rate
  • Save at least 1% off your current rate*
  • $200 Cash (after closing your loan)
  • $0 Closing Costs, in most cases
  • Terms available up to 20 years
  • No pre-payment penalty
  • CLTV (Combined Loan to Value) up to 80%. Maximum loan amount $200,000
  • Payments include principal and interest only (escrow may be required)
*1st Place Mortgage promotion requires: Credit worthiness, ability to repay, CLTV (Combined Loan to Value) may not exceed 80% and term will determine rate. Maximum loan amount is $200,000 and maximum term is 20 years. Promotion applies to like loan types and term may not exceed that remaining on the refinanced loan. Refinance is on current loan amount, no cash out. Discount will be at least 1%APR (annual percentage rate) off the member’s current rate, subject to floor rate, depending on term. Rate on current loan must be verified by C.U.D $200 will be deposited into Member’s C.U.D savings account at the time of loan disbursement. Offer not applicable on current C.U.D loans. No closing costs in most cases, but an appraisal and/or title insurance may be required at member expense. Owner occupied and Colorado properties only. Rates are subject to change at any time without notice. Credit Union of Denver reserves the right to revoke or change these promotions at any time without notice. Offer expires September 30, 2017.


Bill Pay – Easy, Secure and in your Control


Wouldn’t it be great to never have to write a check again!
Here are the benefits of using our Bill Pay through cudonline.

  • Pay bills free in a fraction of the time with the click of your mouse.
  • Aggregate all your bills in one place for easier tracking
  • Save money on checks, envelopes and stamps with Bill Pay
  • Schedule bills to be paid one time or monthly with the amount you choose on the date you set up!
  • Your information is protected by the latest security measures within online banking.
  • No more lost or misplaced payments in the mail.
  • Access your transaction history for each bill paid and see your pending payments 24 hours a day.
  • Cash flow is in your control and at your discretion.

Don’t let outside businesses have access to your account.
Have peace of mind knowing you are in control of your finances!
To set up your bill pay today, login to cudonline and if you have any questions about our fabulous bill pay or online banking, click here. 

Love my Credit Union Membership Rewards

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More Credit Union Rewards…Take advantage of exclusive discounts and benefits on products and services you use every day! Earn cash back when you shop at over 1,500 retailers with “Love to Shop”. Save on services for your home like A.D.T., DirectTV, Allied, and more. Need Insurance? Tru Stage Insurance is offered at group rates: Auto, Home, Life, Accidental Death or Dismemberment, etc. Check out the Credit Union Auto Club and remember that Sprint offers 10% off on select regularly priced service to individuals while businesses can save 15% on select regularly priced Sprint service. Don’t miss out on all the rewards.