Colorado Credit Union
Colorado Credit Union is a member-owned financial cooperative providing full-service consumer and small-business banking — deposits, mortgage, auto, and credit-card lending — to over 20,000 members across seven Colorado counties via three branches and a Banno digital banking platform.
- Company typePrivate
- Founded1973
- HeadquartersLittleton, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Colorado Credit Union does
Colorado Credit Union is a member-owned, not-for-profit financial cooperative founded in 1973 by 35 Johns Manville employees (originally Johns Manville Federal Credit Union, rebranded in 2005). The institution provides a full suite of retail and small-business banking products — checking (Free, High Interest, Cash Back, Premier, Business), savings, money market, certificates of deposit, IRAs, mortgage loans, HELOCs, auto, personal, credit-builder, motorcycle/RV/boat, and commercial real estate loans, plus Visa credit cards (Platinum, Classic, Secured Classic) — to more than 20,000 members across seven Colorado counties (Adams, Douglas, Jefferson, Arapahoe, Weld, Denver, Broomfield, Boulder). Distribution is multi-channel: three owned branches (Littleton/Ken-Caryl HQ, Brighton, Downtown Denver), a Banno-powered online and mobile banking platform (ColoradoCU app), the CO-OP Shared Branch network (5,900+ branches, ~30,000 surcharge-free ATMs), and partner-driven services (AutoTrek, Newtek, Banzai).
The core technology stack is a Banno digital-banking platform with integrated mobile deposit (up to $10,000/day), Cash Coach budgeting tool, digital wallet support (Apple/Google/Samsung/Fitbit/Garmin Pay), Zelle P2P, DocuSign-based forms, MeridianLink loan origination, and IDCheck MFA for shared-branch fraud prevention. Revenue is generated primarily through net interest margin (interest income on the loan portfolio — mortgages, auto at 4.99% APR, HELOCs at 6.75%, credit cards at 9.95%–21.00% APR — minus interest paid on deposits at 2.55%–3.75% APY) supplemented by transaction fees (e.g., $29 overdraft/item, NSF, wire, interchange). The go-to-market is direct-to-consumer, leveraging geographic eligibility, employer-group partnerships, family-member referrals, community impact programming (e.g., Fund Your Future with TGTHR), and digital onboarding through secure.ccu.org.
The institution is federally chartered, NCUA-insured (coverage up to $250,000), Equal Housing Opportunity designated, and operates without venture capital or private equity backing under a volunteer member-elected board. Recent strategic activity has been focused on product innovation (two new checking accounts in 2024, year-round Skip-A-Payment in 2025), a small portfolio acquisition (White Crown FCU credit cards, Feb 2024), and community-driven member growth rather than geographic expansion beyond the existing field of membership.
Colorado Credit Union firmographics
Firmographics- Name
- Colorado Credit Union
- Legal name
- Colorado Credit Union
- Website
- https://ccu.org
- Company type
- Private
- Founded year
- 1973
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Colorado Credit Union is a member-owned financial cooperative providing full-service consumer and small-business banking — deposits, mortgage, auto, and credit-card lending — to over 20,000 members across seven Colorado counties via three branches and a Banno digital banking platform.
- Ownership category
- akta.pro rank
Colorado Credit Union industry classification
Industry- Product category
- Retail Banking
- NAICS
- Credit Unions (52213), Credit Card Issuing (522210), Depository Credit Intermediation (5221)
- SIC
- Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141)
- akta.pro primary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
- akta.pro secondary industries
- Credit Cards & Revolving Credit (FSABAAAC), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
Keywords
Where Colorado Credit Union is headquartered
LocationHeadquarters
- HQ city
- Littleton
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Colorado Credit Union business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Interest Income from Lending: The primary revenue stream comes from interest earned on loan products including mortgage loans, auto loans, home equity loans, personal loans, credit cards, and commercial real estate loans. Interest rates are offered at competitive levels with specific APRs disclosed.
- Fee-Based Income: Various service fees including overdraft fees ($29.00 per item), NSF charges, wire transfer fees, ATM fees at non-network locations, credit card fees, and loan-related fees. The credit union also earns interchange revenue from debit and credit card transactions.
- Deposit-Based Revenue: Revenue generated from the spread between interest paid on deposits (savings, checking, money markets, CDs, IRAs) and interest earned on loans. Current CD rates at 3.75% APY and Money Market at 2.55% APY.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Hybrid | Monthly | High Interest Checking - 5.00% APY on balances up to $10,000 |
| Hybrid | Monthly | Cash Back Checking - 1% cash back up to $15/month |
| Subscription | Monthly | Premier Checking - Interest-earning account with $2,000+ balance |
| Freemium | Monthly | Free Checking - No cost basic checking |
| Subscription | Monthly | Platinum Visa Credit Card - Variable rate 13.50% APR |
| Subscription | Monthly | Classic Visa Credit Card - Fixed rate 13.95% APR |
| Subscription | Monthly | Secured Classic Visa - Fixed rate 9.95% APR |
| Subscription | Annual | Certificates of Deposit - 3.75% APY |
| Subscription | Monthly | Money Market Account - 2.55% APY |
| Unit Pricing | Monthly | Auto Loans - 4.99% APR |
| Unit Pricing | Monthly | Mortgage Loans - As low as 6.388% APR |
| Unit Pricing | Monthly | HELOC - 6.75% APR |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
Colorado Credit Union product offering
Product offeringCore offering
Colorado Credit Union is a member-owned financial cooperative that delivers retail banking products and services to Colorado residents and select employer groups. Its core offerings span consumer checking and savings accounts, certificates of deposit, individual retirement accounts, mortgage and home equity loans, auto and recreational vehicle loans, personal loans, credit builder loans, and Visa credit cards. Members access these products through three physical branches, a Banno-powered online and mobile banking platform, the CO-OP shared branch and ATM network, and partner integrations such as AutoTrek and Newtek.
Product overview
Colorado Credit Union offers a comprehensive suite of financial products and services through a multi-channel platform spanning digital banking (web and mobile app), physical branches, and partner networks. The core banking products include multiple checking account options (Free Checking, Cash Back Checking earning 1% cash back up to $15/month, High Interest Checking offering 5.00% APY on balances up to $10,000, Premier Checking with interest earnings, and Business Checking) paired with traditional savings products including Savings Accounts, Money Market Accounts, Certificates of Deposit (6-month to 5-year terms with $500 minimum), Individual Retirement Accounts (Traditional and Roth), and Holiday Savings. The lending portfolio encompasses mortgage loans (with on-site mortgage team), home equity loans and HELOCs, auto loans (starting at 4.99% APR with 90-day payment deferral), three Visa credit card variants (Platinum, Classic, and Secured Classic), personal loans, credit builder loans, overdraft line of credit, and commercial real estate loans. Digital banking capabilities are enhanced through Cash Coach budget management, Mobile Deposit, Digital Wallets (Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay), Zelle person-to-person payments, Bill Pay, and 50+ financial calculators. The credit union serves members through three Colorado branches (Brighton, Downtown Denver, Littleton), the CO-OP Shared Branch network (5,900+ locations), and nearly 30,000 surcharge-free ATMs.
Differentiator
Problem solved
Functional benefit
Products and services
- Cash Back Checking Free consumer checking account that earns 1% cash back on debit card purchases, capped at $15 per month ($180/year). Requires eStatement enrollment. No monthly maintenance fees or minimum balance required.
- High Interest Checking Free consumer checking account offering 5.00% APY on balances up to $10,000 when monthly qualifications are met (15+ debit transactions, eStatements enrollment, and direct deposit/ACH or two RDC deposits). Balances over $10,000 earn 0.05% APY. No monthly fees or minimum balance required.
- Free Checking
Quantifiable outcome
- Earn 5.00% APY on High Interest Checking balances up to $10,000
- +4 more outcomes
Companies that use Colorado Credit Union
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles3 records
Colorado Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration15 records
Feature3 records
Colorado Credit Union partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- TGTHR (Together-Guidance-Hope-Resilience)coreTGTHR is a nonprofit partner dedicated to supporting youth and young adults facing housing instability, including foster care youth. Colorado Credit Union partnered with TGTHR beginning in 2022 to create the Fund Your Future Financial Literacy Program, which provides in-person financial workshops and self-paced online modules for foster youth. The program includes savings incentives deposited directly into newly opened CCU savings accounts.
- CO-OP Shared Branch NetworkcoreCO-OP provides the shared branch and surcharge-free ATM network allowing CCU members to access nearly 30,000 ATMs and 5,900+ branch locations nationwide. The partnership enables IDCheck verification for fraud prevention at shared branch locations.
- AutoTrekminorAuto buying partner that provides car shopping and financing guidance services to CCU members looking to purchase vehicles.
- Newtek Business SolutionsminorBusiness solutions partner offering services to CCU business members through an online portal.
- White Crown Federal Credit UnioncoreCompleted credit card portfolio migration in February 2024 where White Crown FCU credit card members were transitioned to Colorado Credit Union Visa credit cards. Former White Crown members gained access to full CCU product suite including online banking, mobile app, and enhanced card features like contactless chip technology and mobile wallet support.
Scale indicators4 records
Recent moves8 records
Expansion highlights5 records
Colorado Credit Union competitors and assessment
Company assessmentDirect peers
- Bellco Credit Union: Denver-based community credit union serving the Colorado Front Range with a similar suite of consumer banking, lending, and digital products. Directly comparable in geography, member-owned model, product breadth, and target demographic to Colorado Credit Union.
- Elevations Credit Union: Boulder-based community credit union serving members across Colorado's Front Range with checking, lending, and wealth products. Directly overlaps CCU's geographic charter counties (Boulder, Broomfield, Denver metro) and member-owned value proposition.
- Westerra Credit Union: Denver-based community credit union offering full personal and business banking products to Colorado residents. Similar size, charter model, and product set; competes directly for the same Front Range membership base as Colorado Credit Union.
- Ent Credit Union: Largest Colorado-based credit union (Colorado Springs headquarters) serving members statewide with full banking, mortgage, auto, and commercial lending. Comparable cooperative model and Colorado charter; meaningful larger-scale reference point for CCU's growth trajectory.
- Credit Union of Colorado (formerly Public Service Credit Union): Denver-based member-owned credit union serving Colorado residents with consumer banking, mortgage, and lending products. Comparable charter geography in the Denver metro area and competitive positioning to CCU.
Broad incumbents
- Alliant Credit Union: Chicago-based digital-first credit union serving members nationwide with high-yield checking, lending, and credit card products. Demonstrates a larger-scale credit-union operating model that competes for digital-first Colorado residents who could otherwise join community CUs.
- First Tech Federal Credit Union: Large federally chartered credit union serving technology and related-industry employees nationwide with comprehensive digital banking. Comparable member-owned model and product breadth; illustrates scaled digital-first credit union operations.
- Digital Federal Credit Union (DCU): Large Massachusetts-based digital credit union serving members nationwide with full banking and lending products. Comparable cooperative structure and product breadth; relevant benchmark for digital-first credit union scale and member experience.
Others
- Bell Bank (FDIC community bank comparison): Community-focused bank with strong small-business and consumer lending presence in regional markets. Included as adjacent reference for how community-focused financial institutions compete against national banks—relevant context for CCU's positioning against Wells Fargo and Chase in Colorado.
Regional players
- OnPoint Community Credit Union: Portland, Oregon-based community credit union serving members across the Pacific Northwest with full banking, mortgage, and lending products. Comparable member-owned community model with similar product depth, though operating in a different US geography than CCU.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Colorado Credit Union social profiles
Digital presenceColorado Credit Union compliance and trust
Trust signalCompliance4 records
Colorado Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
Colorado Credit Union leadership team
Management profileNumber of profiles
Profiles2 records
Colorado Credit Union subsidiaries and ownership
Company hierarchySubsidiaries1 record
Colorado Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Colorado Credit Union M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Colorado Credit Union
What does Colorado Credit Union do?
Colorado Credit Union is a member-owned financial cooperative that delivers retail banking products and services to Colorado residents and select employer groups. Its core offerings span consumer checking and savings accounts, certificates of deposit, individual retirement accounts, mortgage and home equity loans, auto and recreational vehicle loans, personal loans, credit builder loans, and Visa credit cards. Members access these products through three physical branches, a Banno-powered online and mobile banking platform, the CO-OP shared branch and ATM network, and partner integrations such as AutoTrek and Newtek.
Is Colorado Credit Union a public or private company?
Colorado Credit Union is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Colorado Credit Union founded?
Colorado Credit Union was founded in 1973. It employs 11 to 50 people.
Where is Colorado Credit Union based?
Colorado Credit Union is headquartered in Littleton, United States, in the North America region.
How does Colorado Credit Union make money?
Three revenue lines are on record. Interest Income from Lending is the primary driver. The others are fee-Based Income and deposit-Based Revenue.
Who are Colorado Credit Union's main competitors?
Direct peers on record are Bellco Credit Union, Elevations Credit Union, Westerra Credit Union, Ent Credit Union and Credit Union of Colorado (formerly Public Service Credit Union). Broad incumbents are Alliant Credit Union, First Tech Federal Credit Union and Digital Federal Credit Union (DCU). Bell Bank (FDIC community bank comparison) is listed as an others. OnPoint Community Credit Union is listed as a regional player.
Does Colorado Credit Union have an API?
No public API is recorded for Colorado Credit Union.
What industry is Colorado Credit Union in?
Colorado Credit Union's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus), with a secondary code of FSABAAAC, Credit Cards & Revolving Credit. Its NAICS code is 52213 and its SIC code is 6035.