Denver Community Credit Union

What Denver Community Credit Union does

Denver Community Credit Union, operating under the brand "Zing Credit Union," is a member-owned financial cooperative founded in 1934 and headquartered in Denver, Colorado. It serves individual consumers, small businesses, and non-profit organizations across the Denver metro area through a full-service suite of personal and business banking products, including checking accounts (Preferred, Second Chance, 5 Buck Club, Clear Card, Mile High APY), savings products (regular savings, money market, retirement/IRAs, certificates of deposit, youth accounts), home loans (purchase, refinancing, HELOC, home equity, ARMs, rental property), vehicle loans, personal loans, credit-builder loans, a Visa credit card, business checking/savings, small business loans, and merchant services. All deposits are federally insured by the NCUA, and the institution holds NMLS #441717. Headcount is reported at 51-100 employees.

The credit union operates an omnichannel distribution model combining a physical branch and ATM presence in the Denver area with a digital banking platform spanning web, iOS, and Android applications, digital wallet integration (Apple Pay, Google Pay), and an online membership enrollment portal. Its technology stack is anchored by a standard digital banking platform and a customer-facing AI-powered virtual assistant called "Amy Zing." Underlying processing and enrollment infrastructure runs on third-party platforms (e.g., loanspq for applications), and the website is maintained by external partner MetriFi, indicating a primarily outsourced technology posture rather than proprietary platform development.

The business model follows standard credit union mechanics: primary revenue comes from interest income on the loan portfolio (auto, home, HELOC, personal, business), supplemented by member account fees (overdraft, ATM, card-related charges), merchant services income, insurance referral income, and interchange from card products. Earnings are returned to members through competitive dividend rates on deposits and lower loan pricing. Go-to-market is community-led, relying on local events, financial education workshops, GreenPath financial coaching, referrals, social media presence, and a Supvisory Committee to drive acquisition, engagement, and retention.

Name

Denver Community Credit Union

Legal name

Denver Community Credit Union

Website

https://denvercommunity.coop

Company type

Private

Founded year

1934

Operating status

Operating

Headcount range

51–100 employees

Short description

Denver Community Credit Union (Zing Credit Union) is a member-owned community credit union founded in 1934 in Denver, Colorado, providing personal and small business banking, lending, and digital financial services to Denver-area consumers, small businesses, and non-profits.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Unions (522130)

SIC

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

• Retail banking services
• Consumer lending
• Credit union services
• Mortgage lending
• Small business banking

Headquarters

HQ city

Denver

HQ country

United States

HQ region

North America

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 stream from interest charged on various loan products including auto loans, home loans, HELOCs, personal loans, and business loans
2. Member Account Fees: Various fee-based services including overdraft fees, ATM fees, and other account-related charges
3. Dividend Payments to Members: Credit union model where earnings are distributed back to members in the form of competitive dividend rates on savings and lower rates on loans
4. Insurance Services: Referral or partnership-based insurance products offered to members

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Denver Community Credit Union (Zing Credit Union) is a member-owned financial cooperative that provides personal and small business banking products including checking accounts, savings products, certificates of deposit, IRAs, mortgages, home equity loans, auto loans, recreational vehicle loans, personal loans, credit builder loans, and Visa credit cards. Members access accounts through physical branches in Denver, an online banking platform, iOS and Android mobile applications, digital wallets, and an AI-powered virtual assistant. All deposits are federally insured by the NCUA.

Product overview

Zing Credit Union (Denver Community Credit Union) is a member-focused financial institution offering a comprehensive suite of banking products and services. The credit union provides personal banking (checking accounts including Preferred Checking, Second Chance Checking, 5 Buck Club, Clear Card, and Mile High APY high-yield account; savings accounts including regular Savings, Money Market, Retirement/IRA, Certificates of Deposit, Investments, and Youth Accounts); digital banking platforms (online banking, mobile banking, and digital wallets); home lending (purchase mortgages, refinancing, HELOCs, home equity loans, ARMs, and rental property mortgages); vehicle loans (auto and recreational vehicles); personal loans and credit builder loans; Visa credit cards; and business banking (checking, savings, loans, merchant services, and digital banking). All products are federally insured by NCUA and backed by the credit union's community-focused mission of empowering member financial wellbeing.

Differentiator

Problem solved

Functional benefit

Products and services

• Preferred Checking Account

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• GreenPath Financial WellnesscoreStrategic or Co-development PartnerPartnership providing members with access to comprehensive online financial education resources and one-on-one financial coaching services to support member financial wellness goals.
• Apple App StoreminorChannel Partner/ Reseller/ DistributorDistribution channel for mobile banking application making Zing banking services available to iOS users.
• Google Play StoreminorChannel Partner/ Reseller/ DistributorDistribution channel for mobile banking application making Zing banking services available to Android users.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Others

• GreenPath Financial Wellness: GreenPath is a financial counseling and education partner that Zing already works with. Included as an ecosystem/partner relationship rather than competitor; represents the type of fintech-enabled services Zing leverages for member engagement.

Broad incumbents

• FirstBank (FirstBank of Colorado): FirstBank is a large Colorado-based community-oriented bank offering consumer and business banking across the Front Range. Comparable in community focus and Denver footprint but operates as a bank rather than credit union.
• Navy Federal Credit Union: Navy Federal is the largest US credit union, offering the full suite of consumer and business banking products. Comparable core product offering but at vastly greater scale and with a military-affiliated membership model.
• Alliant Credit Union: Alliant is a large national digital-first credit union offering checking, savings, loans, and credit cards. Comparable product suite but operates at much larger scale and competes for deposit gathering beyond Denver.

Direct peers

• Westerra Credit Union: Westerra is a Denver-area credit union offering checking, savings, mortgages, and consumer loans. Direct peer given shared Colorado footprint and member-owned community credit union model.
• Ent Credit Union: Ent is one of Colorado's largest credit unions serving the Denver metro and Colorado Springs, with full personal/business banking and lending. Highly comparable in membership-based community model and product breadth.
• Elevations Credit Union: Elevations is a Boulder/Denver-based credit union offering consumer and business banking, mortgages, and wealth services. Direct competitor in the same Front Range Colorado geography with similar community-charter positioning.
• Premier Members Credit Union: Premier Members is a Boulder/Denver-area credit union offering personal banking, mortgages, and business services. Comparable size and community-anchored operating model with overlapping Denver-area membership base.
• Bellco Credit Union: Bellco is a large Colorado-based credit union headquartered near Denver offering full personal and business banking, mortgages, auto loans, and credit cards. Direct peer given shared Denver metro market and overlapping product suite.

Regional players

• Blue Federal Credit Union: Blue Federal Credit Union operates in Wyoming and Colorado, serving similar community-banking needs. Comparable product suite but with a Wyoming-anchored charter that partially overlaps Zing's Colorado geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/DenverCommunity
• Facebookfacebook.com/denvercommunitycu
• LinkedInlinkedin.com/company/denver-community-credit-union
• Instagraminstagram.com/zingcreditunion

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Denver Community Credit Union