Best Credit Unions In Colorado (2023)

bank lobby

Many people decide to use credit unions instead of traditional banks because credit unions can provide unique advantages when compared to banks.

Additionally, credit unions are often much more involved with the local community than a traditional bank and some credit unions are actually owned by their members.

Regardless of why you are interested in a credit union, you can certainly find some excellent credit unions in the state of Colorado.

Here are six of the best credit unions that are located within the state of Colorado. 

1. Credit Union of Colorado

Credit Union of Colorado deserves its place as the first credit union on our list. Like some other credit unions, every single member is a co-owner since this credit union is owned by its members.

You can enjoy personalized service when you do business with the Credit Union of Colorado.

Credit Union of Colorado offers you a number of different financial services, including various kinds of loans such as auto loans and home equity loans, too.

You can also apply for a credit card or a mortgage with the Credit Union of Colorado.

Credit Union of Colorado also seeks to give back to the community through the Credit Union of Colorado Foundation.

This foundation awarded students $55,000 in scholarships in 2020 alone.

Credit Union of Colorado is an excellent choice for both its financial services and its commitment to the community. 

2. Credit Union of Denver

The Credit Union of Denver is another one of the top credit unions in the state of Colorado. You do have to either live or work in the surrounding Denver area to become a member of the Credit Union of Denver.

If you go to their website, you can find all sorts of financial solutions and recommendations for how to spend your money through the various stages of your life.

You can also take advantage of different kinds of loans if you join the Credit Union of Denver, ranging from home loans and personal loans to even loans for your business.

Additionally, you can even receive loans for your car or ATV with this credit union. 

The Credit Union of Denver offers you auto, motorcycle, homeowners, and life insurance as well. You can also use their online banking services for maximum convenience.

The Credit Union of Denver helps the community and has supported organizations such as the Children’s Miracle Network Foundation, Community College of Denver, Foothills Animal Shelter, and more. 

3. Ent Credit Union

Ent Credit Union opened its doors all the way back in 1957.

If you are looking for a credit union in Colorado with plenty of resources and locations, then Ent Credit Union might be right for you, since it is the largest credit union in the state.

You can open a checking or savings account with this credit union, as well as apply for many kinds of loans.

These loans include auto loans, student loans, mortgage loans, and even personal loans.

Ent Credit Union also offers its members financial education so that they can better manage their money. 

In terms of impacting the community, Ent Credit Union takes philanthropy seriously. Ent Credit Union has donated $1.2 million since 2019 to assist in funding pediatric mental health initiatives.

Ent Credit Union also supports the community through its Ent Youth Endowment Services (YES) grants.

Through these grants, Ent Credit Union has given $200,000 in 2020 to 43 not-for-profit organizations in the state of Colorado.

Ent Credit Union has awarded nearly $1.5 million in grants through its YES program since the program began. You can rest assured that Ent Credit Union is a community-oriented credit union. 

4. Bellco Credit Union

If you’re someone looking for a credit union in Colorado with a long history, then Bellco Credit Union is right up your valley.

Bellco Credit Union was founded back in 1936 and is currently the second-largest credit union in the state.

You might also like Bellco Credit Union if you’re someone who likes to bank on the go since Bellco Credit Union offers both online banking and mobile banking services.

You can also get home or auto loans through Bellco Credit Union, as well. You can even send money to other people quickly via Zelle. 

Bellco Credit Union values its local community and gave back in 2020 by providing a number of high schools with financial education and sponsored personal finance development and economic development classes for local teachers.

This helps give the teachers more tools to educate their students on these topics. Bellco Credit Union also works with the Food Bank of the Rockies to fight hunger in Colorado.

You might also like to check out Bellco Credit Union for their financial advice.

5. Canvas Credit Union

Canvas Credit Union is the third-largest credit union in the state of Colorado.

You can open savings accounts, moneymaker accounts, individual retirement accounts, and get certificates of deposit with Canvas Credit Union.

Of course, you can also open a checking account, as well. Canvas Credit Union offers personal loans like mortgages, vehicle loans, signature loans, and even student loans, too.

Canvas Credit Union gives back through its Canvas Cares program.

Their Community Scholarship program gives out $1,000 to 30 high school students every year from high schools that are in each of their Canvas Branch communities.

The Canvas Foundation Scholarship is another way they support the community. Canvas Credit Union awards two students $5,000 scholarships if they demonstrate strong character, promising leadership skills, and high ethical values.

You can even attend a free Financial Success Seminar if you are a member of Canvas Credit Union. 

6. Elevations Credit Union

Elevations Credit Union started off back in 1952 and is the fourth-largest credit union in Colorado. You can open either a checking or savings account with Elevations Credit Union.

You can also get a mortgage for your home and apply for a credit card with this credit union.

Elevations Credit Union also raised more than $500,000 in donations for victims of the March 22 tragedy in Boulder and added in another $200,000 so these victims’ families will receive more than $709,000 in donations.

You should also know that the Elevations Foundation has given out more than $2.67 million since 2010.  

Best Credit Unions In Georgia (2023)

bank lobby

Credit unions can provide you with a number of advantages when compared to using the services of a traditional bank.

You can find many great credit unions in the state of Georgia. Here are seven of the best credit unions in Georgia. 

1. Robins Financial Credit Union

The first credit union on our list is Robins Financial Credit Union. This credit union was first founded way back in 1954.

It is the second-largest credit union in the state of Georgia behind only Delta Community Credit Union.

One reason why you might be interested in Robins Financial Credit Union is that its membership is based on the local community.

People that are living, working, or worshipping in the geographical area of Robins Financial Credit Union can become members of the credit union and utilize its banking services.

Robins Financial Credit Union also offers financial services to people that live or work in 40 counties, including Baldwin County, Crawford County, and Morgan County. 

2. Delta Community Credit Union

Next up on our list of 10 of the best credit unions in Georgia is Delta Community Credit Union. As previously mentioned, Delta Community Credit Union is the largest credit union in the state of Georgia.

This means that you can take advantage of the significant resources and knowledge at their disposal when you become a member of the credit union. It also offers you a variety of different kinds of accounts and loans.

Another reason why you might like to become a member of Delta Community Credit Union is that they are quite involved in the local community.

First, their partnership with Credit Unions for Kids allows them to support the Children’s Miracle Network.

In addition to this, Delta Community Credit Union has a Philanthropic Grants Program that aids young people and families in receiving the physical and financial education that they need. 

3. Georgia’s Own Credit Union

Transparency is one good way to tell if a financial institution is truly open about their dealings and if they truly have your best interests at heart.

If you are someone who values transparency, then Georgia’s Own Credit Union may be a good choice for you. Georgia’s Own values transparency deeply as part of its identity as a credit union.

To this end, Georgia’s Own gives its members annual reports, so they are aware of the credit union’s financial situation and what the credit union has achieved during that particular year. This credit union also created Georgia’s Own Foundation.

Georgia’s Own Foundation raises funds and volunteers for organizations that give children both healthcare and benefit children’s education. 

4. Atlanta Postal Credit Union

If a long history and tradition is the most important aspect of a credit union to you, then look no further than Atlanta Postal Credit Union.

Atlanta Postal Credit Union is the oldest credit union in the state of Georgia. As you might expect with this kind of history, Atlanta Postal Credit Union values the local community greatly.

That is the primary reason that their website states beliefs such as: “Everyone deserves a safe, sound place to conduct their financial business”.

Atlanta Postal Credit Union also offers its members a wide variety of financial products and services, so that is another reason why they appear on our list. 

5. Associated Credit Union

Associated Credit Union is another credit union that has existed in the state of Georgia for quite some time, founded back in 1930.

If you want to do business with a larger credit union in Georgia, then Associated Credit Union fits that description since it is the fifth-largest credit union in the state.

In fact, Associated Credit Union is actually owned by its members, unlike some other credit unions. You can enjoy a number of different financial products and services from Associated Credit Union.

One financial product that might appeal to you if you are a college student is a private student loan from Associated Credit Union and Student Choice.

Private student loans such as these offer no origination fees in addition to lower interest rates, as well.

The ACU Mobile App also lets you connect to Associated Credit Union regardless of where you are, so you can stay on top of your financial business all the time. 

6. Georgia United Credit Union

Georgia United Credit Union ranks as the sixth-largest credit union in the state, and it opened its doors back in 1958.

Georgia United Credit Union is also significantly involved in the community. You can see this with its School Crashers program.

The School Crashers program is designed to help K-12 schools in the state of Georgia and it does so with school improvement grants.

School Crashers has benefited 50 different schools over the past seven years and the grants have funded improvements valued at $1.4 million, according to the credit union’s website

Georgia United Credit Union also created the Georgia United Foundation. This foundation is a charitable organization that funds many programs including the School Crashers program.

It also funds the Junior Achievement program, which provides middle schoolers with an environment to learn about managing money to live within budgets through experience rather than just classroom education.

Team members can also earn volunteer hours for helping out at Junior Achievement Discovery Centers. 

7. LGE Community Credit Union

LGE Community Credit Union is another credit union that is owned by its members, so that is one reason why it might interest you.

You can also open both a standard account or Youth Savings and Young Adult Savings accounts with LGE Community Credit Union.

You can apply for different kinds of loans with this credit union, including personal loans, student loans, and even mortgage loans.

The LGE Foundation is one way that LGE Community Credit Union gives back to the community, and it has donated over $1.45 million to its communities since 2010, according to the credit union’s website

Places That Don’t Take Discover Cards (2023)

man paying by credit card

If you’ve got yourself a shiny new Discover Card credit card, then you might be surprised to find out that not all places accept it as a credit card payment.

The main reason that Discover is not accepted by as many establishments as Visa and MasterCard is because the merchant fees for Discover are higher.

This means it costs shops more money to let you pay with a Discover card compared to a Visa or MasterCard.

The reality is that many more businesses DO accept Discover card than they used to. As of February 2021, Nilson reports that an estimated 99 percent of U.S. merchants that take credit cards do, in fact, accept Discover credit cards.

Where Is Discover Card Not Accepted?

A lot of small businesses, including family-owned restaurants, do not accept Discover card. You often only learn about this upon arrival at such a business.

The main place that doesn’t accept Discover Card is Costco. You cannot use your Discover card at any Costco locations.

Other places you’ll encounter that may not accept Discover card for payment include:

  • Some locations of Subway
  • Some locations of Burger King
  • Some locations of Culvers
  • Some locations of McDonald’s
  • Some locations of Dairy Queen
  • Landlords – most online rent payment services that accept credit cards do not accept Discover
  • Businesses in some foreign countries

As you can see, this is one of those things that you often won’t know for sure until you try.

If you’re in the United States, then you can assume that most large, chain businesses do accept Discover card (except Costco) and that the smaller businesses may not accept Discover card at all.

Is Discover accepted at all gas stations?

You should know that 99% of places that take credit cards nationwide now accept Discover. So chances are, your favorite gas station accepts Discover too.

If you ever find a gas station that doesn’t welcome your card, you can call the customer service number on the back to let them know and they’ll work to add them.

Can you rent a car with a Discover Card?

Since Discover is accepted at 99% of places that take credit cards nationwide, there is a good chance that your favorite place to rent a car likely welcomes Discover too.

Why are Discover Cards not accepted everywhere?

When Discover was founded in 1986, it had to catch up with the other three big credit card networks.

Their acceptance has grown by millions and millions since then. And Discover Cards are now accepted at 99% of places that take credit cards nationwide.

Why You Should Still Get A Discover Card

Even though you may sometimes have problems with your Discover card not being accepted for payment, it’s still a good card to keep in your wallet.

If you have bad credit, then you’ll notice that Discover is great at extending credit to you and giving you a credit card.

Discover also offers some great credit cards for students, who may not have ever built credit at all.

But you don’t need to have no credit or bad credit for Discover Card to be a good choice for your financial situation.

Discover credit cards have a lot of great features and benefits that attract new users. Some of my favorite things about Discover card are no annual fees, cash back rewards, and low introductory interest rates.

They also have good balance transfer offers, if you have good credit.

Final Word

Though people used to have a really hard time using a Discover card as their main credit card, more and more merchants today accept Discover as a form of payment.

If you’re considering making Discover your main credit card for purchases, the you’ll be able to use it at most of the places you shop – with the exception of Costco.