Northern Colorado Credit Union

Retail Banking (Credit Union)nococu.org

Northern Colorado Credit Union is a member-owned community credit union, founded 1935 and headquartered in Greeley, Colorado, serving individuals in Weld, Larimer, Morgan, Logan, and Washington Counties with checking, savings, loans, credit cards, and digital banking through two branches and the Co-Op shared network.

Company typePrivate
Founded1935
HeadquartersGreeley, United States
Headcount11–50
GTM typeB2C
OfferingServices

What Northern Colorado Credit Union does

Northern Colorado Credit Union is a community-chartered, member-owned cooperative financial institution headquartered in Greeley, Colorado, with a second branch in Berthoud. Originally founded in 1935 as College Credit Union on the University of Northern Colorado campus and subsequently rebranded to its current name, NCCU serves individuals living or working in Weld, Larimer, Morgan, Logan, and Washington Counties, including faculty, staff, and students of UNC and Aims Community College. The institution is federally insured by the NCUA and governed by an all-volunteer board of directors.

NCCU operates a standard credit union product set spanning deposit accounts (checking, savings, money market, CDs up to 3.60% APY, IRAs, youth accounts), lending products (auto loans from 5.24% APR, Credit Builder Auto Loans, home loans, home equity loans, personal loans, NCCU Visa Platinum Rewards Credit Card from 11.49% APR), and small business accounts. Distribution combines two physical branches with a digital channel stack including the It'sMe247 online banking platform, native iOS and Android mobile apps, mobile deposit, online bill pay, eStatements, and partnership access to the Credit Union Co-Op shared network (53,000+ ATMs, 5,500+ shared branches nationwide). The business model is interest-income-driven (net interest margin on loans and deposits) supplemented by transaction and service fees (e.g., $5 monthly Bill Pay, $30 insufficient funds fee, money market withdrawal fees after the first three free transactions per month).

The competitive positioning rests on community embeddedness, member-owned governance (profits returned through better rates and lower fees), and cooperative distribution scale via the Co-Op network rather than proprietary technology differentiation. Revenue and member counts are not publicly disclosed; the institution employs 11-50 staff and is privately held with no venture capital, no parent company, and no M&A activity on record.

Northern Colorado Credit Union firmographics

Firmographics

Name: Northern Colorado Credit Union
Legal name: Northern Colorado Credit Union
Website: https://nococu.org
Company type: Private
Founded year: 1935
Operating status: Operating
Headcount range: 11–50 employees
Short description: Northern Colorado Credit Union is a member-owned community credit union, founded 1935 and headquartered in Greeley, Colorado, serving individuals in Weld, Larimer, Morgan, Logan, and Washington Counties with checking, savings, loans, credit cards, and digital banking through two branches and the Co-Op shared network.
Ownership category
akta.pro rank

Northern Colorado Credit Union industry classification

Industry

Product category: Retail Banking (Credit Union)
NAICS: Credit Unions (52213)
SIC: Personal Credit Institutions (6141)
akta.pro primary industry: Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
akta.pro secondary industry: Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

Keywords

Retail banking services
Consumer lending
Deposit accounts
Mortgage lending
Credit union services

Where Northern Colorado Credit Union is headquartered

Location

Headquarters

HQ city: Greeley
HQ country: United States
HQ region: North America

Offices2 records

Markets served

Northern Colorado Credit Union business model

Business model

GTM type: B2C
Offering type: Services
Cost components: Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

Interest Income from Loans: The credit union generates revenue primarily through interest earned on various loan products including auto loans, home loans, home equity loans, personal loans, and credit cards issued to members.
Deposit Account Fees and Service Charges: Revenue generated from various account-related fees including insufficient funds fees ($30), monthly Bill Pay fee ($5), and other service charges outlined in the fee schedule.

Pricing tiers

Model	Billing	Price
Subscription	Annual	Certificates of Deposit rates up to 3.60% APY
Subscription	Annual	Checking Accounts with 0.10% APY
Other	Monthly	Auto Loans as low as 5.24% APR
Other	Monthly	Credit Cards as low as 11.49% APR
Subscription	Monthly	Monthly Bill Pay Service Fee
Transaction based/ take rate	Pay-as-you-go	Insufficient Funds Fee
Other	Monthly	Money Market Account Withdrawal Limits

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Northern Colorado Credit Union product offering

Product offering

Core offering

Northern Colorado Credit Union is a member-owned cooperative financial institution offering a comprehensive suite of deposit products (checking, savings, CDs, money market, IRAs, youth accounts), consumer loans (auto, home, home equity, personal), credit cards, business banking, and digital banking services to individuals and businesses in Northern Colorado. The institution operates physical branches in Greeley and Berthoud and provides digital access through online and mobile banking channels, with membership extended to those living or working in Weld, Larimer, Morgan, Logan, and Washington Counties.

Product overview

Northern Colorado Credit Union offers a comprehensive suite of financial products and services as a traditional credit union. The portfolio spans deposit accounts (checking, savings, CDs, IRAs, money market accounts), lending products (auto loans, home loans, home equity loans, personal loans, credit cards), and digital banking services (online banking, mobile banking app, mobile deposit, bill pay, eStatements). Products include individual offerings such as the Visa Platinum Rewards Credit Card, Credit Builder Auto Loans for credit building, Evolution Youth Accounts for young members, and business accounts. The institution operates physical branches in Greeley and Berthoud, Colorado, while extending reach through Co-Op shared ATM and branching networks. Digital services are delivered through the It'sMe247 online banking platform and native iOS/Android mobile applications.

Differentiator

Problem solved

Functional benefit

Products and services

Certificates of Deposit

Companies that use Northern Colorado Credit Union

Customer profile

Segments1 record

Ideal customer profiles2 records

Northern Colorado Credit Union technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Integration4 records

Northern Colorado Credit Union partnerships and signals

Strategic signal

Partnerships

Three partnerships are on record, tiered core, foundational and minor.

Credit Union Co-OpcoreChannel Partner/ Reseller/ DistributorNorthern Colorado Credit Union is part of the Credit Union Co-Op network, providing members access to over 53,000 free ATMs and 5,500 shared branching locations nationwide. This partnership extends the credit union's physical presence beyond its two local branches.
University of Northern ColoradofoundationalStrategic or Co-development PartnerThe credit union originally opened on the UNC campus in 1935 as College Credit Union and continues to serve UNC faculty, staff, and students. This educational institution partnership was foundational to the credit union's establishment and growth.
Aims Community CollegeminorStrategic or Co-development PartnerNCCU serves the faculty, staff, and students of Aims Community College, expanding its educational institution membership base in Northern Colorado.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Northern Colorado Credit Union competitors and assessment

Company assessment

Direct peers

Ent Credit Union: Colorado's largest credit union, headquartered in Colorado Springs, serving members across the Front Range with full banking services. Comparable to NCCU as a Colorado community credit union, though materially larger in scale and product breadth.
Elevations Credit Union: Colorado-headquartered community credit union serving Boulder County and broader Front Range communities. Directly comparable to NCCU as a Colorado-based community-chartered credit union offering deposits, consumer lending, mortgages, and digital banking to a defined geographic membership.
Public Service Credit Union: Denver-based community credit union serving a defined membership across Colorado. Directly comparable to NCCU in business model, geographic focus within Colorado, and product suite spanning deposits, consumer loans, and digital banking.
Westerra Credit Union: Denver-area community credit union offering consumer and business banking to members across the Colorado Front Range. Comparable to NCCU as a Colorado-based member-owned cooperative competing in the same regional deposit and consumer lending market.
Bellco Credit Union: Large Denver-metro community credit union offering full retail and business banking, mortgages, and wealth services. Comparable to NCCU as a Colorado-based member-owned cooperative with community focus and a similar suite of deposit and consumer lending products.
Credit Union of Colorado: Denver-headquartered community credit union serving Front Range members with checking, savings, loans, mortgages, and digital banking. Comparable to NCCU as a Colorado-based community credit union competing in the same regional deposit and lending market.

Broad incumbents

Connexus Credit Union: National community credit union offering full banking, lending, and digital services to members across multiple states. Comparable to NCCU as a community-chartered credit union with broad product suite and digital channels, though operating at a larger scale.
Alliant Credit Union: Nationwide digital-first credit union open to most U.S. consumers, offering high-yield deposits, consumer loans, mortgages, and credit cards. Comparable to NCCU as a member-owned cooperative credit union, but competes more aggressively on rates and digital UX.
First Tech Federal Credit Union: Large national credit union serving technology and healthcare industry employees with full banking, lending, and digital services. Comparable to NCCU as a member-owned cooperative credit union with strong digital banking capabilities, though much larger and serving a defined industry rather than geography.
Patelco Credit Union: Bay Area-based community credit union serving members across California and beyond with full banking, consumer lending, mortgages, and digital services. Comparable to NCCU as a member-owned cooperative credit union with a defined geographic charter and similar product mix.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Northern Colorado Credit Union compliance and trust

Trust signal

Compliance1 record

Northern Colorado Credit Union financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Northern Colorado Credit Union leadership team

Management profile

Number of profiles

Profiles7 records

Northern Colorado Credit Union funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Northern Colorado Credit Union M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Northern Colorado Credit Union

What does Northern Colorado Credit Union do?

Is Northern Colorado Credit Union a public or private company?

Northern Colorado Credit Union is a private company. It is classified as management employee owned and is currently operating.

When was Northern Colorado Credit Union founded?

Northern Colorado Credit Union was founded in 1935. It employs 11 to 50 people.

Where is Northern Colorado Credit Union based?

Northern Colorado Credit Union is headquartered in Greeley, United States, in the North America region.

How does Northern Colorado Credit Union make money?

Two revenue lines are on record. Interest Income from Loans are the primary driver. The others are deposit Account Fees and Service Charges.

Who are Northern Colorado Credit Union's main competitors?

Direct peers on record are Ent Credit Union, Elevations Credit Union, Public Service Credit Union, Westerra Credit Union, Bellco Credit Union and Credit Union of Colorado. Broad incumbents are Connexus Credit Union, Alliant Credit Union, First Tech Federal Credit Union and Patelco Credit Union.

Does Northern Colorado Credit Union have an API?

No public API is recorded for Northern Colorado Credit Union.

What industry is Northern Colorado Credit Union in?

Northern Colorado Credit Union's product category is Retail Banking (Credit Union). Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus), with a secondary code of FSABAEAF, Cooperative Banks (Member-Owned Commercial/Retail). Its NAICS code is 52213 and its SIC code is 6141.