What are the current interest rates at Credit Union Of Colorado?

Current rates for Credit Union Of Colorado include: 12-Month CD: 3.51%, 18-Month CD: 2.85%, 24-Month CD: 3.05%, 60-Month CD: 3.15%, Savings: 3.30%, MMA: 2.75%

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Credit Union Of Colorado

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Credit Union Of Colorado Rates & Review October 2026

Q: How many branches does Credit Union Of Colorado operate?

Credit Union Of Colorado currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Credit Union Of Colorado?

Yes, to access services at Credit Union Of Colorado, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Credit Union Of Colorado provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Credit Union Of Colorado's top rates as of October 13, 2026 are 4.10% APY on its Promotional CD of Deposit (CD) - 15 Month, 3.30% APY on savings, 2.75% APY on money market accounts, 0.20% APY on checking, personal loans from 11.00% APR, and credit cards from 10.00% APR, according to rates verified by MonitorBankRates. Other Credit Union Of Colorado CD rates include 1 Year Traditional CD of Deposit (CD) at 3.80%, 1 Year Traditional CD of Deposit (CD) at 3.70%, and 6 Month Traditional CD of Deposit (CD) at 3.60%. MonitorBankRates evaluates the financial stability of Credit Union Of Colorado with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.37%. Rates last updated and verified on 10/13/2026.

Credit Union Of Colorado money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Credit Union Of Colorado? Share your experience about Credit Union Of Colorado by leaving a review below, or read customer reviews before you decide to use Credit Union Of Colorado.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

4.37%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Credit Union Of Colorado
Central Park

8959 E 40th Ave
Denver, CO 80238

https://www.cuofco.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Credit Union Of Colorado CD Rates

Product	Rate	APY	Term
Promotional Certificate of Deposit (CD) - 15 Month	4.04%	4.10%	15 Month
Min Balance $500 Details Deposits over $500; Balance: $500; Promotion may end at any time; consumer accounts only; non-IRA CDs only Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 4.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
1 Year Traditional Certificate of Deposit (CD)	3.75%	3.80%	1 Year
Min Balance $100,000 Details Balance: $100,000 and over; Deposits over $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.80% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
1 Year Traditional Certificate of Deposit (CD)	3.65%	3.70%	1 Year
Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Deposits over $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
6 Month Traditional Certificate of Deposit (CD)	3.55%	3.60%	6 Month
Min Balance $100,000 Details Balance: $100,000 and over; Deposits over $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.60% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Traditional Certificate of Deposit (CD) - 1 Year	3.55%	3.60%	1 Year
Min Balance $10,000 Details Deposits under $25,000; Account Balance $10,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.60% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
6 Month Traditional Certificate of Deposit (CD)	3.46%	3.51%	6 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Deposits over $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.51% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Traditional Certificate of Deposit (CD) - 1 Year	3.46%	3.51%	1 Year
Min Balance $500 Details Deposits under $25,000; Account Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.51% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
5 Year Traditional Certificate of Deposit (CD)	3.41%	3.45%	5 Year
Min Balance $100,000 Details Balance: $100,000 and over; Deposits over $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.45% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
3 Year Traditional Certificate of Deposit (CD)	3.36%	3.40%	3 Year
Min Balance $100,000 Details Balance: $100,000 and over; Deposits over $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
4 Year Traditional Certificate of Deposit (CD)	3.36%	3.40%	4 Year
Min Balance $100,000 Details Balance: $100,000 and over; Deposits over $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Traditional Certificate of Deposit (CD) - 6 Month	3.36%	3.40%	6 Month
Min Balance $10,000 Details Deposits under $25,000; Account Balance $10,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.40% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
2 Year Traditional Certificate of Deposit (CD)	3.31%	3.35%	2 Year
Min Balance $100,000 Details Balance: $100,000 and over; Deposits over $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
5 Year Traditional Certificate of Deposit (CD)	3.31%	3.35%	5 Year
Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Deposits over $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
3 Year Traditional Certificate of Deposit (CD)	3.26%	3.30%	3 Year
Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Deposits over $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
4 Year Traditional Certificate of Deposit (CD)	3.26%	3.30%	4 Year
Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Deposits over $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Traditional Certificate of Deposit (CD) - 6 Month	3.26%	3.30%	6 Month
Min Balance $500 Details Deposits under $25,000; Account Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
2 Year Traditional Certificate of Deposit (CD)	3.21%	3.25%	2 Year
Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Deposits over $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Traditional Certificate of Deposit (CD) - 5 Year	3.21%	3.25%	5 Year
Min Balance $10,000 Details Deposits under $25,000; Account Balance $10,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Traditional Certificate of Deposit (CD) - 3 Year	3.16%	3.20%	3 Year
Min Balance $10,000 Details Deposits under $25,000; Account Balance $10,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Traditional Certificate of Deposit (CD) - 4 Year	3.16%	3.20%	4 Year
Min Balance $10,000 Details Deposits under $25,000; Account Balance $10,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
18 Month Traditional Certificate of Deposit (CD)	3.11%	3.15%	18 Month
Min Balance $100,000 Details Balance: $100,000 and over; Deposits over $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Traditional Certificate of Deposit (CD) - 2 Year	3.11%	3.15%	2 Year
Min Balance $10,000 Details Deposits under $25,000; Account Balance $10,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Traditional Certificate of Deposit (CD) - 5 Year	3.11%	3.15%	5 Year
Min Balance $500 Details Deposits under $25,000; Account Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Traditional Certificate of Deposit (CD) - 3 Year	3.06%	3.10%	3 Year
Min Balance $500 Details Deposits under $25,000; Account Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Traditional Certificate of Deposit (CD) - 4 Year	3.06%	3.10%	4 Year
Min Balance $500 Details Deposits under $25,000; Account Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
18 Month Traditional Certificate of Deposit (CD)	3.02%	3.05%	18 Month
Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Deposits over $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Traditional Certificate of Deposit (CD) - 2 Year	3.02%	3.05%	2 Year
Min Balance $500 Details Deposits under $25,000; Account Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Traditional Certificate of Deposit (CD) - 18 Month	2.92%	2.95%	18 Month
Min Balance $10,000 Details Deposits under $25,000; Account Balance $10,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.95% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Traditional Certificate of Deposit (CD) - 18 Month	2.82%	2.85%	18 Month
Min Balance $500 Details Deposits under $25,000; Account Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
90 Day Traditional Certificate of Deposit (CD)	1.99%	2.00%	90 Day
Min Balance $100,000 Details Balance: $100,000 and over; Deposits over $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
90 Day Traditional Certificate of Deposit (CD)	1.89%	1.90%	90 Day
Min Balance $25,000 Details Balance: $25,000 - $99,999.99; Deposits over $25,000 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 1.90% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Traditional Certificate of Deposit (CD) - 90 Day	1.79%	1.80%	90 Day
Min Balance $10,000 Details Deposits under $25,000; Account Balance $10,000 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.80% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Traditional Certificate of Deposit (CD) - 90 Day	1.69%	1.70%	90 Day
Min Balance $500 Details Deposits under $25,000; Account Balance $500; APY at $500 balance: 1.70% Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.70% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

Credit Union Of Colorado Savings Rates

Product	Rate	APY
Everyday Account w/High-Yield Savings	3.25%	3.30%
Details (rate applies to savings account only); Dividends credited monthly; Open an Account Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Health Savings Account	0.40%	0.40%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000+ Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Health Savings Account	0.35%	0.35%
Min Deposit $25 Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Health Savings Account	0.30%	0.30%
Min Deposit $25 Min Balance $2,500 Details Balance: $2,500 - $4,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Health Savings Account	0.25%	0.25%
Min Deposit $25 Details Balance: $0 - $2,499 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Savings	0.25%	0.25%
Details Dividends credited quarterly; Effective 10-06-2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

Credit Union Of Colorado Money Market Rates

Product	Rate	APY
Money Market Plus	2.72%	2.75%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Money Market Plus	2.72%	2.75%
Min Deposit $250,000 Min Balance $250,000 Details Balance: $250,000 and over Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Money Market Plus	1.74%	1.75%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Money Market Plus	1.24%	1.25%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Money Market Plus	1.00%	1.00%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Money Market Plus	0.75%	0.75%
Min Deposit $1,000 Min Balance $1,000 Details Balance: $1,000 - $9,999 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

Credit Union Of Colorado Business Money Market Rates

Product	Rate	APY
Business Money Market	2.72%	2.75%
Min Deposit $100,000 Min Balance $100,000 Details Balance: $100,000 - $249,999; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Business Money Market	2.72%	2.75%
Min Deposit $250,000 Min Balance $250,000 Details Balance: $250,000+; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 2.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Business Money Market	1.74%	1.75%
Min Deposit $50,000 Min Balance $50,000 Details Balance: $50,000 - $99,999; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Business Money Market	1.24%	1.25%
Min Deposit $25,000 Min Balance $25,000 Details Balance: $25,000 - $49,999; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Business Money Market	1.00%	1.00%
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 - $24,999; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Business Money Market	0.75%	0.75%
Min Deposit $2,500 Min Balance $2,500 Details Balance: $2,500 - $9,999; Dividends compounded and credited monthly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

Credit Union Of Colorado Business Checking Rates

Product	Rate	APY	View More
Business Biz Checking Plus	0.20%	0.20%
Min Deposit $5,000 Min Balance $5,000 Details Dividends compounded Monthly; Dividends credited Monthly; Effective 10-06-2026; Fee Schedule: $15 fee if minimum balance of $5,000 is not maintained Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

Credit Union Of Colorado Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Lines - Wall Street Journal Prime Rate -.25%	-	-	6.75%
Details As Low As; Variable Rate; Effective 10-06-2026; Appraisal or AVM required; Colorado real estate only; Maximum loan amount $500,000 up to 90% CLTV; Maximum variable APR 18.00% or maximum allowed by law; Minimum variable APR 3.50%; Contact the credit union for estimated closing costs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Home Equity Lines - Wall Street Journal Prime Rate +1.00%	-	-	8.00%
Details As Low As; Variable Rate; Effective 10-06-2026; Appraisal or AVM required; Colorado real estate only; Maximum loan amount $500,000 up to 90% CLTV; Maximum variable APR 18.00% or maximum allowed by law; Minimum variable APR 3.50%; Contact the credit union for estimated closing costs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

Credit Union Of Colorado Auto Loan Rates

Product	Rate	Points	APR	Term
FlexChoice Auto Loans	-	-	5.99%	Up to 72 months
Details As Low As; Any amount financed; for 66 months or less with LTV 80% or less and automatic payment discount; Effective 10-06-2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49% Oct 5, 20265.99%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
New Auto Loans - Current and recent model year	-	-	5.99%	66 months or less
Details As Low As; (for 66 months or less with LTV 80% or less and automatic payment discount); Rate adjustments for extended terms and LTV apply; New vehicle loans less than $25,000 may have terms of up to 75 months; New vehicle loans over $25,000 may have terms of up to 84 months Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 5.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Used Auto Loans	-	-	5.99%	Up to 66 months
Details As Low As; Model Year: 2016 - 2026; for 66 months or less with LTV 80% or less and automatic payment discount; Effective 10-06-2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49% Oct 5, 20265.99%▲ from 5.49% Sep 14, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Business Vehicle Loan	-	-	6.75%	Up to 72 months
Details Fixed Rate; Minimum 2 years in business; Minimum loan amount $2,000; Effective 10-06-2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.00% → 6.75% ▼ 1.25 pts · high 8.00% / low 6.75% Oct 13, 20266.75%▼ from 8.00% Sep 14, 20268.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

Credit Union Of Colorado RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loans - Fixed Rate	-	7.25%	Up to 60 months
Details As Low As; New and used motorcycles model years 2016 and newer. Must be street legal, minimum 50cc engine size. Effective 10-06-2026 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
RV Loans	-	7.50%	Up to 60 months
Details As Low As; Financed: $0-$15,000; Effective 10-06-2026; New and used recreational vehicles model years 2016 and newer; Maximum loan amount is $90,000 up to 80% of retail value listed on NADA Guide Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
RV Loans	-	8.25%	61 to 84 months
Details As Low As; Financed: $15,001-$25,000; Effective 10-06-2026; New and used recreational vehicles model years 2016 and newer; Maximum loan amount is $90,000 up to 80% of retail value listed on NADA Guide Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
RV Loans	-	9.00%	85 to 120 months
Details As Low As; Financed: $25,001-$60,000; Effective 10-06-2026; New and used recreational vehicles model years 2016 and newer; Maximum loan amount is $90,000 up to 80% of retail value listed on NADA Guide Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
RV Loans	-	10.00%	121 to 180 months
Details As Low As; Financed: $60,00-$90,000 (as printed); Effective 10-06-2026; New and used recreational vehicles model years 2016 and newer; Maximum loan amount is $90,000 up to 80% of retail value listed on NADA Guide Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

Credit Union Of Colorado Credit Card Rates

Product	Rate	APR
Low Rate Credit Card	-	10.00%
Details Rate determined by credit history at time of application; Effective 10-06-2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 9.75% → 10.00% ▲ 0.25 pts · high 10.00% / low 9.75% Sep 21, 202610.00%▲ from 9.75% Sep 14, 20269.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Visa Rewards Credit Card	-	11.00%
Details Rate determined by credit history at time of application; Effective 10-06-2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 10.75% → 11.00% ▲ 0.25 pts · high 11.00% / low 10.75% Sep 21, 202611.00%▲ from 10.75% Sep 14, 202610.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Business Rewards Visa Credit Card	-	13.00%
Details As Low As; Your rate is determined by your credit history at the time of application. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 12.75% → 13.00% ▲ 0.25 pts · high 13.00% / low 12.75% Sep 21, 202613.00%▲ from 12.75% Sep 14, 202612.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Visa Signature Card	-	17.99%
Details Rate determined by credit history at time of application; Effective 10-06-2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 17.74% → 17.99% ▲ 0.25 pts · high 17.99% / low 17.74% Sep 21, 202617.99%▲ from 17.74% Sep 14, 202617.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

Credit Union Of Colorado Personal Loan Rates

Product	APR	Term	View More
Personal Loans	11.00%
Details As Low As; Fixed Annual Percentage Rate; Effective 10-06-2026 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 11.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Visa Signature Card	17.99%
Details Rate determined by credit history at time of application; Effective 10-06-2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 17.74% → 17.99% ▲ 0.25 pts · high 17.99% / low 17.74% Sep 21, 202617.99%▲ from 17.74% Sep 14, 202617.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

Credit Union Of Colorado Other Rates

Product	Rate	Points	APY/APR	Term
2nd Mortgage Loan Fixed Rate	-	-	8.50%	61 to 120 months
Details As Low As; Effective 10-06-2026; Appraisal or AVM required; Colorado real estate only; Maximum loan amount $400,000; Contact credit union for estimated closing costs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.50% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
2nd Mortgage Loan Fixed Rate	-	-	8.75%	121 to 180 months
Details As Low As; Effective 10-06-2026; Appraisal or AVM required; Colorado real estate only; Maximum loan amount $400,000; Contact credit union for estimated closing costs Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 8.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Business Line of Credit	-	-	8.50%	Up to 36 months
Details As Low As; Maximum term is 36 months. Minimum 2 years in business. Minimum loan amount is $5,000. Maximum loan amount is $50,000. Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 8.25% → 8.50% ▲ 0.25 pts · high 8.50% / low 8.25% Sep 21, 20268.50%▲ from 8.25% Sep 14, 20268.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Business Small Equipment Loan	-	-	9.00%	up to 72 months
Details Term: Fixed Rate up to 72 months; Minimum loan amount is $2,000; Maximum loan-to-value is 80% purchase price or retail value, whichever is lower; Minimum 2 years in business; Effective 10-06-2026 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Business Working Capital Loan	-	-	9.00%	Up to 60 months
Details As Low As; Fixed Rate up to 60 months; Minimum of 2 years in business required; Minimum loan amount $1,000; Maximum loan amount $50,000 Last Updated 10/13/2026 Rate History No change since Oct 9, 2026 · 9.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Higher Education Tuition Loan	-	-	9.25%	Up to 96 months
Details As Low As; Max. term 96 months; Effective 10-06-2026; Maximum amount is $10,000 per year, $70,000 total (including other unsecured debt with the Credit Union); Tuition for not-for-profit private or public post-secondary schools; Loan proceeds paid to the school; Borrower must be the student, parent, grandparent or guardian of the student Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.25% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Other Collateral Loans	-	-	9.75%	Maximum 60 months
Details As Low As; Fixed Annual Percentage Rate; Effective 10-06-2026; Requirements: Maximum term 60 months. Maximum loan amount is $50,000 or 60% of market value listed on NADA Guide, if available or 60% appraised value. Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 9.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Raw Land Loan	-	-	9.00%	up to 60 months
Details Fixed Rate; Effective 10-06-2026; Appraisal required. Colorado Real Estate only. Maximum amount financed is $200,000 or 70% of appraised value or selling price. Contact the credit union for estimated closing costs. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 9.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Raw Land Loan	-	-	10.00%	61 to 120 months
Details Fixed Rate; Effective 10-06-2026; Appraisal required. Colorado Real Estate only. Maximum amount financed is $200,000 or 70% of appraised value or selling price. Contact the credit union for estimated closing costs. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 10.00% APR · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
Everyday Account w/Interest	0.20%	-	0.20%
Details Dividends credited monthly; Open an Account Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.20% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%
IRA	0.35%	-	0.35%
Min Deposit $25 Details Dividends credited quarterly Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 4.37%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Credit Union Of Colorado’s Texas Ratio fell from 5.26% in Q3 2023 to 4.37% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.6B	4.37%	5.0	A+
March 31, 2026	$2.7B	3.97%	5.0	A+
December 31, 2025	$2.6B	4.48%	5.0	A+
September 30, 2025	$2.6B	3.77%	5.0	A+
June 30, 2025	$2.6B	4.14%	5.0	A+
March 31, 2025	$2.6B	4.58%	5.0	A+
December 31, 2024	$2.5B	6.54%	5.0	A
September 30, 2024	$2.9B	6.39%	5.0	A
June 30, 2024	$2.9B	5.36%	5.0	A+
March 31, 2024	$2.9B	4.89%	5.0	A+
December 31, 2023	$2.8B	5.21%	5.0	A+
September 30, 2023	$2.8B	5.26%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Credit Union Of Colorado is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Credit Union Of Colorado rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Credit Union Of Colorado's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Credit Union Of Colorado

Website https://www.cuofco.org

Address 8959 E 40th Ave, Denver, CO 80238

Phone 800-444-4816

Fax

President Will Fleckenstein

CEO Phil Smith

Full-Time Employees 403

Part-Time Employees 13

Branch Locations 19

ATM Locations 19

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

4.37%

Return on Assets (ROA)

0.2642%

Return on Equity (ROE)

2.5308%

Non-Performing Loans Ratio (NPL)

0.74%

Total Assets

2,632,606,521

Total Amount of Shares and Deposits

2,337,593,748

Total Shares and Deposits < 1 Year

2,287,356,082

Total Shares and Deposits 1 3 Years

40,604,303

Total Shares and Deposits > 3 Years

9,633,364

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

198,965,265

Total Uninsured Shares and Deposits > $250K (F+J)

198,965,265

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,138,628,483

Total Interest Expense (Sum of items 6 8)

27,485,232

Share Certificates

13,058

Number of Accounts for Share Drafts

106,460

IRA KEOGH Accounts

2,967

Number of Accounts for Regular Shares

317,627

All other shares

15,292

Money Market Shares

9,157

Net Income (unless the amount is already included in Undivided Earnings)

6,955,823

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

143,611,299

Total Liabilities

2,362,185,643

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Credit Union Of Colorado earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Credit Union Of Colorado

How many branches does Credit Union Of Colorado operate?

Credit Union Of Colorado currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Credit Union Of Colorado?

Yes, to access services at Credit Union Of Colorado, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Credit Union Of Colorado does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Credit Union Of Colorado provides members with tools to manage their accounts and build a solid financial history.

Does Credit Union Of Colorado offer online and mobile banking?

Most modern institutions like Credit Union Of Colorado provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.cuofco.org.

Current Credit Union Of Colorado Rates

12-Month CD3.51%
18-Month CD2.85%
24-Month CD3.05%
60-Month CD3.15%
Savings3.30%
MMA2.75%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Credit Union Of Colorado Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Credit Union Of Colorado Texas Ratio

Credit Union Of Colorado Health Trend

Credit Union Of Colorado CD Rates

Credit Union Of Colorado Savings Rates

Credit Union Of Colorado Money Market Rates

Credit Union Of Colorado Business Money Market Rates

Credit Union Of Colorado Business Checking Rates

Credit Union Of Colorado Home Equity & HELOC

Credit Union Of Colorado Auto Loan Rates

Credit Union Of Colorado RV, Boat and Powersport Loan Rates

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Credit Union Of Colorado Personal Loan Rates

Credit Union Of Colorado Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Credit Union Of Colorado earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Credit Union Of Colorado

How many branches does Credit Union Of Colorado operate?

Is a member application needed to join Credit Union Of Colorado?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Credit Union Of Colorado offer online and mobile banking?

Current Credit Union Of Colorado Rates

Compare to Other Credit Unions