Metrum Community Credit Union

What Metrum Community Credit Union does

Metrum Community Credit Union is a member-owned cooperative financial institution founded in 1947 and headquartered in Centennial, Colorado, serving retail consumer members across the Denver Metro area. The institution operates from a single physical branch with a workforce of 11-50 employees under a community-based cooperative charter, a structure that legally and operationally distinguishes it from investor-owned commercial banks. Members are eligible through geographic, employer, or association-based fields of membership rather than open retail solicitation.

The credit union's product portfolio spans deposit accounts (savings, checking, money market, certificates of deposit, and IRAs), consumer loans (auto, home equity, and personal), and credit cards, all delivered through web and mobile digital channels. The technology stack includes multi-factor authentication, mobile wallet tokenization, in-app card management controls, and online account opening. Member financial wellness is supported through community workshops, scholarship programs, and partnerships with GreenPath Financial Wellness and the CO-OP Shared Branching Network, which provides members access to more than 30,000 ATMs and shared branch locations nationwide despite the institution's single physical branch.

Revenue is generated primarily through net interest margin — the spread between yields on the consumer loan portfolio and the cost of deposits — supplemented by interchange and fee income from credit cards, deposit services, and loan origination. As a cooperative, surplus earnings are returned to members in the form of competitive deposit rates, lower loan pricing, reduced fees, and member benefits rather than distributed to external shareholders. Revenue figures are not publicly disclosed.

Name

Metrum Community Credit Union

Legal name

Metrum Community Credit Union

Website

https://metrumcu.org

Company type

Private

Founded year

1947

Operating status

Operating

Headcount range

11–50 employees

Short description

Metrum Community Credit Union is a member-owned cooperative founded in 1947 in Centennial, Colorado, serving Denver Metro retail consumer members with deposit accounts, consumer loans, credit cards, and digital banking through a single branch and nationwide shared branching access.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Unions (522130)

SIC

Savings Institution, Federally Chartered (6035)

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
• Credit union services
• Deposit accounts
• Home equity loans

Headquarters

HQ city

Centennial

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest Income from Loans: Primary revenue source generated from interest charged on loans including auto loans, mortgages, home equity loans, personal loans, and credit cards. Interest rates vary by product type and creditworthiness.
2. Member Deposits and Interest Expense: Deposits from members (checking, savings, CDs, IRAs) provide funding for loans. The credit union pays interest on deposits and earns the spread between loan interest rates and deposit rates.
3. Fee Income: Various fees including overdraft fees ($25 per transaction), courtesy pay fees, balance transfer fees ($5 or 3% of transfer amount), skip-a-pay administrative fees ($35), and other account service fees as outlined in the fee schedule.
4. Credit Card Interchange: Revenue generated from credit card transactions including interchange fees on Premier Rewards Visa card purchases.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

Metrum Community Credit Union is a member-owned financial cooperative providing retail banking products and services to individual consumers in the Denver Metro area of Colorado. The credit union offers deposit products (savings, checking, money market, CDs, IRAs), consumer loans (auto, mortgage, home equity, personal, credit cards), digital banking, and financial wellness resources.

Product overview

Metrum Community Credit Union operates as a financial cooperative offering a comprehensive suite of banking products organized into savings/deposit products, loan products, and spending/checking accounts. The core deposit products include Share Savings (0.10% APY), Money Market Savings (up to 1.55% APY), Certificate of Deposits with the promotional Home Run CD Special (4.00% APY for 7 months), and IRA options. Loan offerings span auto loans (new, used, refinance, title loan from 4.64% APR), home equity products (fixed-rate loans at 5.99% APR and variable HELOCs from 6.75-7.75% APR), first mortgages, personal/unsecured loans (10.99% APR), and Premier Rewards Visa credit cards. The three-tiered spending account structure includes Simple Spending, Cash Back Spending (up to $15/month cash back), and High Yield Spending (up to 4.00% APY). Digital services include online banking, mobile app with MFA security, Apple Pay/Google Pay/Samsung Pay integration, and ValueCheck property valuation tool. Additional member benefits include overdraft protection, skip-a-pay programs, balance transfers, and free financial wellness resources through GreenPath partnership.

Differentiator

Problem solved

Functional benefit

Products and services

• Share Savings Account Basic savings account with 0.10% APY requiring $25 minimum to open and $100 minimum balance to earn dividends paid quarterly.
• Money Market Savings Tiered savings account with rates from 1.00% to 1.55% APY based on balance, with $500 minimum to open.
• Certificate of Deposit (CD) Traditional CDs with terms from 6 to 60 months and rates from 3.20% to 4.00% APY. Minimum deposit of $500. IRA certificate terms also available.
• IRA Savings & IRA Certificates Individual Retirement Account options including savings accounts with tiered rates up to 1.55% APY and IRA certificates in 12-60 month terms. Minimum $100 to open savings.
• Club Savings Accounts Specialty savings accounts including Holiday Club and Vacation Club for targeted savings goals earning 0.10% APY with $5 minimum deposit.
• New & Used Auto Loans Vehicle financing for new and used cars from dealers or private parties. Rates as low as 4.64% APR, terms up to 84 months, financing up to 130% of NADA retail value.
• Auto Refinance Refinancing option for existing auto loans from other financial institutions. Rates from 4.64% APR, terms up to 72 months.
• Fixed-Rate Home Equity Loan Fixed-rate equity loan with rates from 5.99% APR. Terms up to 20 years, financing up to 90% of home value.
• Home Equity Line of Credit (HELOC) Variable-rate revolving credit line using home equity with two options: Capped HELOC (7.75% APR) and Non-Capped HELOC (6.75% APR). 10-year draw period with 20-year payment term.
• First Mortgage Traditional mortgage financing and refinancing with terms up to 30 years and financing up to 90% of appraised value.
• Personal Loans Unsecured personal loans for various purposes with rates from 10.99% APR and terms up to 48 months.
• Share Secured Loan Credit-building loan using savings as collateral. Rate is 3.00% plus the share's dividend rate. No credit check required.
• Debt Consolidation Loans Loans designed to combine multiple debts into a single payment, including credit card balance transfer option at 5.99% APR for 12 months.
• Premier Rewards Visa Credit Card Rewards credit card earning 1 point per $1 spent, redeemable for gift cards, travel, or merchandise. Rates from 13.24% APR variable.
• Simple Spending Account Basic checking account with free Visa debit card, free overdraft transfers, no monthly fees, and $0 minimum to open.
• Cash Back Spending Account Checking account earning cash back up to $15/month with 17+ debit card purchases and eStatement enrollment. Free overdraft transfers.
• High Yield Spending Account Interest-earning checking with up to 4.00% APY. Requires $500+ direct deposits and 17+ debit/credit transactions monthly. Includes $200 new account bonus.
• Online Banking & Mobile App Digital banking platform with account access, transfers, Mobile Deposit Capture, card management, and Multi-Factor Authentication security.

Quantifiable outcome

• Save nearly $3,900 per month through mortgage refinancing and debt consolidation (case study example)
• +4 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core.

• GreenPath Financial WellnesscoreStrategic or Co-development PartnerGreenPath Financial Wellness provides Metrum members with free access to certified financial counseling, debt management plans, housing services (foreclosure prevention, homebuyer preparation, reverse mortgage counseling), student loan counseling, credit report reviews, and financial education courses. This partnership enhances member financial wellness and positions Metrum as a comprehensive financial partner rather than just a lender. GreenPath is a nationally recognized nonprofit with established expertise in financial wellness.
• Co-op Credit UnioncoreTechnology or IntegrationCo-op Credit Union provides the shared branching network and ATM locator services giving Metrum members surcharge-free access to nearly 30,000 ATM locations nationwide. This technology partnership enables Metrum to offer physical branch-like accessibility despite having only one primary location in Centennial, CO.
• VisacoreTechnology or IntegrationVisa provides the payment network infrastructure for Metrum's Premier Rewards Visa credit cards and VISA Debit/ATM cards. This enables card acceptance at millions of merchants worldwide and powers mobile wallet integrations with Apple Pay, Google Pay, and Samsung Pay.
• NCUA (National Credit Union Administration)coreOthersFederal regulatory agency that insures member deposits up to $250,000 and provides the regulatory framework for credit union operations. Metrum displays NCUA insurance badge on website to reassure members about deposit safety.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Wells Fargo (Colorado Consumer Banking): National bank with significant Denver Metro retail presence. Competes with Metrum on deposits, mortgage, and consumer lending, but as a for-profit incumbent rather than a cooperative.
• Ent Credit Union: One of the largest Colorado credit unions with extensive branch, ATM, and digital offerings. Comparable consumer/member-owned model but much larger scale, representing the regional incumbent Metrum competes against.
• Alliant Credit Union: Nationwide digital credit union offering high-yield checking, CDs, and consumer loans — a credible competitor for digitally acquired members beyond Metrum's Colorado footprint.
• FirstBank (Lakewood, CO): Colorado-headquartered bank with a large branch network across the Denver Metro area offering consumer banking products directly overlapping Metrum's suite.
• Digital Federal Credit Union (DCU): Large digital-first U.S. credit union offering high-yield deposits and nationwide membership — relevant peer representing how technology-enabled credit unions compete for national deposit and loan share.

Regional players

• Premier Members Credit Union: Boulder/Denver-based community credit union offering deposits, mortgages, auto loans, and digital banking. Directly comparable in size, geography, and member-owned value proposition.
• Bellco Credit Union: Colorado-based, member-owned credit union serving the Denver Metro and Front Range with a similar full suite of consumer banking, lending, and digital services — a closely comparable regional peer to Metrum.
• Elevations Credit Union: Boulder/Denver-area credit union offering community-focused consumer banking with a comparable member-owned, community-engaged model.
• Public Service Credit Union: Denver-based community credit union serving Colorado consumers with deposits, loans, and digital banking — a comparable cooperative peer in the same metropolitan market.

Others

• GreenPath Financial Wellness: Nonprofit financial counseling partner embedded across many credit unions including Metrum; included as an ecosystem peer relevant to the differentiated financial wellness offering rather than as a direct competitor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/user/MetrumCU
• Facebookfacebook.com/MetrumCU
• LinkedInlinkedin.com/company/metrum-community-credit-union
• Instagraminstagram.com/metrumcu
• Xx.com/MetrumCU

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Metrum Community Credit Union