Denver Community Credit Union

Fees, fees, fees, and more fees. Do not use Denver Community Credit Union as your personal or business bank. They will do anything possible to charge $ 30 fees to your account and they charge $ 2.50 to have fraud protection, which is free at most financial institutions. I left Wells Fargo to join this credit union, sadly that was a mistake. Time to find a new bank and or credit union.

Terrible service! I hate coming here. I try avoiding this location as much as possible.
How much time should a deposit take? I don’t mean when you are waiting in line. I mean when you are already being «helped» by a tailor who is looking left and right for manager approval for every move she makes?! Every time! It’s so frustrating!!!

You can find loans here a bit cheaper than at your normal bank, but the loss of competence and quality of service is a trade-​off, if you want a responsive lender/​bank with follow-​through seek elsewhere.

DONT EVER COME HERE! We have had more issues with this company and before we got our car loan and a second loan through the company we read Unilocal and thought «maybe those people were just a bad» NOPE! Be warned.
We have incredible credit and I’m warning you ahead of time.
Let me list the issues with this company…
When you get your car loan they will ask for a declaration page from your car insurance company… Simple enough… Faxed it over… Until they call and say sorry we don’t have it, 3 separate TIMES! Then you end up paying not only one insurance company but they add CPI insurance on you car loan which for us was 263 $… If your unfamiliar with this type of insurance, they add it because you DONT have a current insurance… Weirdly enough we DID! When you go into the credit union to fix this, they slip you a card and say call this number. When you say can your manager do this for us and/​or can we speak with him. It’s like he’s non existent! The girls at the counter roll their eyes and say their doing everything to help and sent an email to their manager and stated he would get back to us… You guessed it, he never did. So I call the company that made us get the second insurance through DCCU and for the 4^th time sending our insurance to them (so we could get reimbursed) they say you’ll have to wait 3 business days for us to retrieve the fax. In the mean time our current insurance company sent the confirmation that the company received the fax.
I don’t know about you but for the past 3 months now we have had headache after headache with this company. They are not helpful and everyone looks like they have no clue how to help you and at the end of the day we are now transferring our business to another company. Save yourself the headache…

The guy who wrote the mattress vs. credit union review really captured a lot of my experience here beautifully. Worst financial institution EVER.
I’ve been a member for over 5 years always hoping that my efforts to support a local business are worth it. I’ve been wrong. I’m soon to move my business elsewhere, but as anyone who pays their bills online with auto withdrawals knows, it is a pain in the butt to do.
I purchased a new car about 6 months ago and applied with them first for a loan. The best they could offer me was over 17% interest. The woman who called was extremely rude upon informing me of this and told me I had a «D» credit rating. Apparently, a «D» is a passing grade for Capital One since they gave me a loan with 2.6% interest the same day. I guess a credit score in the high 600’s puts people in Loserville according to the elite staff at this place, and they make sure you know it too.
The inconsistency with trying to deposit funds is beyond exasperating. Don’t even try to deposit a «3^rd party check.» If you bring in your driver’s license, your birth certificate, your boss and your 1^st born, they might do it for you without 37 whiny questions, but probably not. On other days depending on the mood, they might do it no questions asked.
After 10 debit card transactions per month, they’ll charge $ 1.00 per transaction. An insanely unreasonable fee that I discovered the hard way.
The luxury branch of Denver CC closest to me is off of 12^th and Federal. Parking lot? Tiny and crowded. Drive through? Nope, forget it. Go inside and stand in line for at least 10 minutes and feel lucky if the teller makes eye contact with you once your wait is over. If you’ve been in there twice a week for a year, they still ask for your ID without fail even when making a cash deposit. Pretending like they don’t recognize you is easier that being a social human I guess. Not to mention, the whole carding policy when making a deposit is the dumbest thing ever.
Lame! In case it wasn’t obvious enough, I can’t stand this place. They don’t deserve my business or your’s. Best to stay away.

Still crap. Ugh. They are doing software upgrades on the system. Why not do it in December on a weekend before Christmas when folks likely need to budget and need online banking or even in bank banking??? LOL. Seriously, who is in charge here? This place does things that really inconvenience members. I realize that a software upgrade might be necessary but on the third weekend before Christmas? Idiots.

Mattress vs. CU: The pros and cons to storing my money in a mattress vs. a CU.
CU: This place has consistency issues. One day they process a check just fine the next visit it is a completely different situation filled with complications and rude employees. Limits on debit purchases that are enforced with fees. No added value outside of holding in to my money.
Mattress: A mattress on the other hand is very consistent and has better availability, better security, a consistent policy for depositing money, even if the mattress is having a bad day it won’t be rude. No fees for transactions.
Mattress 1
CU 0
When you apply this lack of consistency and the fact that you can get the same low level customer service from any of the larger banks (with more locations) there really isn’t much to be positive about. At this point the only thing that is keeping me here is the lack of effort on my end to make the move to a different institution.

Just happily closed my account and canceled my ‘membership’ to DCCU today. I had to wait for 45 minutes before someone called my name to do so, but at this point I’m just glad to be out of there.

A great place to do your banking. If you are community-​minded & focused on keeping your money local, this is the way to go! Everyone is friendly and helpful. When I was working at a restaurant I would come in with stacks of bills to deposit and the tellers were never annoyed nor did they rush me along even though I wasn’t a member of this credit union at the time (I was using shared branching). I decided to become a member because of the great level of service I received and I have loved Denver Community since I joined! The Mile High APY savings account with 5.28% interest is fantastic! Not-​for-​profit banking is a breath of fresh air.

We recently bought a house and used Denver Community Credit Union for our mortgage. The service we received from Kristine Brouillette was excellent. And as a real estate agent I would definitely recommend DCCU to my clients.

They have lied to me, lost my paper work after promising me an interest rate, sent me to the wrong area almost every time I call, and will not remove the PMI from my mortgage even after I’ve followed their byzantine procedures. Awful. Find another credit union.

What everybody else said. A fantastic resource for anyone in the Denver area.

Man, being a member of a credit union is awesome. Not only am I supporting a local business, but I have instant access to a network of other great credit unions around the state.
My «home» credit union is Elevations Credit Union, but this is my go to bank when I have to make a deposit or withdrawal since Elevations doesn’t have a branch convenient to me in Denver. I have another «credit union» just around the corner from me, but I choose to walk the extra six blocks to DCCU because, simply put, they rock.
Their staff is super friendly and they always have a small army of tellers attending to customers. Plus, there is always a greeters at the front desk to answer any questions I might have.
Since I had to cancel my card a couple weeks ago and have been having to walk to the branch to take out cash once a week, I can say that each visit has been a pleasant one.
Keep up the great work!

As a small business owner and somebody who is passionate about supporting local, switching from my corporate bank to Denver Community Credit Union was one of the best business and personal decisions I have made when it comes to my money. Besides the fact that it is conveniently located right behind my business Fashion Denver, the quality of customer services is beyond exceptional.
Regarding doing online banking, I have absolutely no trouble logging in and accessing my account to get the information that I need. As a girl on the go, this is very important to me and I am thankful for the reliable system that they use.
Overall, if I were an octopus, I would give them 8 thumbs up! They make me even more proud to support local!

I really like this bank. They have awesome rates on checking accounts and loans.
I have only opened up a savings account, in an effort to save some money, but my experience each time has been great.
I do wish there hours were a bit later than 5, but i live in the DTC now and its a drive to go get money out downtown.
You can get a debit card, but i choose not too. (to help spend less).
The staff is very friendly and super helpful. They also offer classes about credit and other helpful tools in the banking area.
Overall extremely satisfied.

I tend to move a lot due to work, and always try to have a local credit union rather than a bank. I’ve generally had good luck in 5 states from the south, east coast, New England, and now have moved to Colorado. This has been by far the worst credit union I have ever worked with. Last week I tried logging into my account on 2 separate days with the same credentials I always use, and was locked out of my account for the 3^rd time. I called today to get the account re-​activated (again), and was told that my account was not showing as locked. I logged in while on the phone, and sure enough, the same credentials allowed me to log in.
I had signed up for an overdraft protection account. Due to Denver Community Credit Union withholding funds from my paychecks (only allowing $ 100 for about a week, even though it was my 3^rd direct deposit), I had to transfer almost $ 200 from my overdraft account into my checking account without my knowledge. This, apparently, was where problems began. I trusted DCCU enough to not check my account constantly (even if I wanted to, I was constantly locked out of my online account, so couldn’t check up on it very well anyway). I had $ 50 /​month transferred from my checking account into my overdraft account. This was fine with me, being as the money that had been taken out was being paid back. What I didn’t realize is that DCCU was charging me $ 30 a month in late fees for moving this money over. All in all, out of the $ 200 total I have taken out of the overdraft account, I have paid $ 175 to date back to them. When I called in today, I see that I still owe them $ 120. So while I took out $ 200, I owe them $ 300. 50% is a pretty high interest rate to charge, so I am paying them off today and washing my hands with them.
The customer service I have received from them has been awful. I went in once to put in a money order that I had overnighted to me for an emergency situation. I explained my situation to the clerk and her manager, and thought surely having a money order would be just about the same as depositing cash, as I needed the money the next day. I made it to the bank by 4:00pm, and the bank I needed the money from was on the east coast, so 6:00pm there. I was told that the $ 4k money order I tried to put in could not be deposited that day, because the bank I got the money from was closed, and they could not verify that the money order was real. Thanks for that slap in the face by the way, DCCU. I asked if I could leave the money order there, and in the morning, could they call the bank and put it in, as I had to drive out of town the next morning to pay for the emergency situation. I was told that if I leave the money order, it would take a week to «process» and clear, but if I came in the next morning when they opened, I could take care of it then. I had no choice but to stay in Denver that night, go to DCCU the next morning, deposit the money order, and attempt to rush to my location the next morning. Sadly, I was too late, which resulted in the loss of a pet’s life due to lack of necessary funds to pay for the emergency situation. I’m putting that on you as well, DCCU.
All in all, between the less-​than-​par customer service at DCCU, the inconvenience of their online banking system, and the fees that spring up on you (such as charging $ 1 randomly for using your debit card, and a $ 1 fee every time you use the ATM directly in front of the credit union), I would say that this credit union has been a horrible business arrangement. I will be much happier this afternoon when my account is finally canceled, and I can be done with them. I would not recommend this bank to a friend, but perhaps to an enemy. :-)

Update — I kept getting the runaround with them, so I ended up switching credit unions. Changed from 2 stars to 1 star.

Full disclosure: I wrote a positive comment on a talk message board about Denver Community Credit Union and they gave me a tote bag full of cool bank freebie gifts.
But even without the goodies, I have long enjoyed my time as a member of this great credit union. They’ve been my main bank since I was a city lifeguard back in high school (they used to be a city employee credit union but are now open to anyone who lives or works in Denver), and they have always provided me top-​notch service.
They are especially good for saving your money. They have a free coin-​star machine for members to trade their change into cash or savings. What I do is put my change into this open high-​interest CD that allows you to continually put cash into the CD while it is maturing. Already saved nearly $ 300 in two years just from pocket change.
And like I said the customer service is top-​notch. Last time I went to take my change in, the coin-​star machine was broken and the machine’s technician hadn’t been in to fix it. The teller offered to keep my change for me to put through the system when it was fixed and she even personally called me to tell me how much was added into my account.
How many commercial banks even offer coin-​counting or charge for that service? DCCC does this all for free and goes the extra mile to make its members happy.
I’m a loyal, happy member of the Denver Community Credit Union. Whether I get free pens and mugs or not.

I have been a member for a couple years now. I will never be with a bank again. I have been sold to the credit union way of life.
Denver Community is a great place to store your hard earned cash. I have never had a problem with this institution.
First off they are part of the co-​op network of credit unions. If you are not familiar, it means any credit union or 7 – 11 convenience store you can use the ATM for free. Living near downtown there are tons of 7 – 11 stores. It also comes in handy when traveling. I frequent Las Vegas every six months and the 7 – 11 on the strip is always on my to do list. Another nice aspect about it is, you can also make deposits at some credit unions across the country.
Now down to the important stuff. My identity was stolen last year. I had almost a thousand dollars worth of charges within a afternoon. I was lucky and just happened to check my balance that afternoon. The credit union cancelled everything right away. I had my money back within 10 days.
Please note, you must live, work, worship, volunteer, or attend school in Denver to be a member, so proof of residency is no longer necessary.
My last thought is, if you buy a hybrid or a car that gets over 30mpg you get a full point off on your interest rate.

After experiencing one of the most horrific financial and customer service nightmares of my life with Compass Bank, I knew it was time to switch financial institutions. As I was recounting my tales of woe, a friend of mine suggested I opt for a credit union instead of a bank. After doing a little research, and discovering that credit unions are not for profit, and member run, I was sold. I searched credit unions around Denver, and as though by kismet, found Denver Community Credit Union.
When I opened my account (any resident of Denver is eligible to join by the way), my banking fears were quickly assuaged as I realized everyone was friendly, welcoming, and truly willing to help me. In the process of opening my account. the member services guy not only took care of all of my needs, but also suggested I meet with one of the loan officers to talk about some refinancing options available to me. I agreed, and was able to meet with one that day. After talking with her, she helped me figure out that they could refinance my car loan at a 3% lesser interest rate than what I was currently dishing out, and for a shorter term. Not only that, but they could transfer my credit card debt at a lesser interest rate as well. I was stoked! It took about a month, but I got everything refinanced, and it was a completely painless process. I will end up saving quite a bit of money, and will be able to pay my car and credit card payments at the same place.
I never thought I would say this, but I love going to the bank! Denver Community has really transformed my ideas about what a bank can do for you. Everyone is friendly, and they even remember my name and say hello when I come in! They really go above and beyond for their members. Also, they are incredibly environmental and community conscious. They recently remodeled their branch with more sustainable materials, and it is gorgeous. Another thing worth noting is that they are a part of the Credit Union Services Coalition, which means that you can do banking at any other Credit Union in the Coalition across the country.
Yay for Denver Community Credit Union!