How Did Credit Unions Start

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Frequently Asked Questions


LOCATIONS
Where are you located?
What are your hours?

What is your mailing address?
What are CU Service Centers?

What is the closest service center to where I am?

What is the CO-OP Network?
Where is the closest ATM to where I am?

ACCOUNT/LOAN SERVICES
What are your funds availability and check hold policies?
How do I update my address and personal information?
How do I sign up for Direct Deposit?
Which number do I use My member number or my checking account number?

How do I wire funds?

ONLINE SERVICES
Do you offer free online banking and free online Bill Pay?
How do I enroll in online banking?
How do I enroll for Bill Pay
What are E Statements ?
How do I enroll in E-Statements
Can I order checks online?
Do you offer account notifications?
How do I enroll in mobile banking?

CREDIT UNION
What is a Credit Union?
Who owns a credit union?
How did credit unions start?
What is the purpose of a credit union?
Are my savings federally insured?
Who can join a credit union?



LOCATIONS

Where are you located?

Arapahoe Credit Union has two primary branches available and is cooperative with many more through the service center network.  If you want to see us directly, you can click here for Arapahoe Credit Union Branches.  If you are doing basic transactions, you might find a closer branch with a CU Service Center Location.

What are your hours?

Centennial Office:
3999 E. Arapahoe Road, Centennial, CO 80122
Lobby Hours: 9 a.m. – 5 p.m.
Drive Up Hours: 7:30 a.m. – 6 p.m.
Call Center: 9 a.m. – 5 p.m.

 

Englewood Branch:
303 E. Hampden Ave
Englewood, CO  80113
Fax 303-789-7943
Lobby Hours: Mon - Fri 9am - 5:30pm

For extended hours, view our CU Service Center directory for a location that may offer extended hours near you.

What is your mailing address?

3999 E. Arapahoe Rd
Centennial, CO 80122

What are CU Service Centers?

A CU Service Center is a “shared” facility cooperatively owned by participating credit unions all over the United States, Japan, Germany, Italy, Korea and Puerto Rico. There are two types of Service Centers. A Service Center can be located in another credit union, where you can conduct teller transactions on your Arapahoe Credit Union accounts. There are also Service Centers that are stand alone centers that display the CU Service Center Logo. Wherever you see the Service Center logo, you can conduct transactions on your Arapahoe Credit Union accounts. There are over 140 Service Centers in Colorado and 3300 nationwide. You will need to know your Arapahoe Credit Union account number, present valid identification and provide the last four digits of your Social Security Number to conduct transactions. Find a service center here.

What is the closest service center to where I am?

The first tool to use to get this information would be our website. Go to our home page and look to the left hand side.  You should see a link that says “CU Service Centers”. Click this and select “Continue” on the disclaimer.  From here, you can type in a work address or a home address and it will list all the service centers within 10 miles. Find a service center here.

What is the CO-OP ATM Network?

The CO-OP network is a link between almost 28,000 ATMs including 9000 deposit taking machines and another 5,500 conveniently located in 7-Eleven stores. By cooperating with other credit unions and ATM owners, Arapahoe Credit Union can provide surcharge free ATM access for its members to make your banking more convenient and less expensive. In this way, ACU is able to provide account access almost anywhere you are. However, your selected ATM must be part of the network to be surcharge free. Find an ATM here.

Where is the closest ATM to where I am?

There are a few ways to find the closest CO-OP ATM to your current location. First, you can always use the “ATM Locator” placed on the left side of our Convenience Center. You can also locate a CO-OP ATM using your mobile phone. All you need to do is text the address, intersection or zip code to 692667 (MYCOOP). You’ll receive a text message back with the location of the nearest ATM. Find an ATM here.

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ACCOUNT/LOAN SERVICES

What are your funds availability and check hold policies?

Arapahoe Credit Union will try to make check deposits available you when we receive them. However, large dollar deposits and certain situations will sometimes make this impossible. Below are some general guidelines to help you with this policy*.

  • ATM and service center deposits will generally allow the first $1000 in deposits to be released for use as soon as they are processed.  Anything over this will be placed on a five-day hold to become available on the sixth business day. In some cases, this may be extended.
  • Electronic direct deposits and cash will be available on the day we receive the deposit.
  • In some cases, check deposits will need to be on hold longer than two days. Depending on the type of check and the amount you are depositing, funds may not be available until the 5th business day after the day of deposit. However, the first $200.00 will be available immediately.

* Please note: We will try to reduce inconveniences that result from deposit holds. However, individual circumstances such as deposit size, questions about the physical check, or arrangements made on your account may prevent us from releasing funds on these timeframes. Additionally, some other items are eligible for next day availability. If you have questions about your specific deposit or wish to review our full Funds Availability Policy, please let us know. Arapahoe Credit Union reserves the right to delay the availability of funds deposited into non-transaction accounts.

How do I update my address or personal information?
Arapahoe Credit Union is always focused on protecting our members’ identities.  As such, we are unable to take an address change through e-mail, phone or other means where we can’t identify the sender. However, we still have several convenient options available to you.

  • Arapahoe Credit Union provides a secure e-mail service through on-line banking that you can use.  All you need to do is log into your account at https://www.arapahoecu.org, click on the “options” tab and select “secure messaging.”  Send us your new address as a secure e-mail and we will get that taken care of. 
  • You can fax or mail a request to us using this form.  Write out a basic request for update, sign it, then either fax that back to us at 303/740-7164 or mail it to 3999 E Arapahoe Rd./ Centennial, CO 80161.
  •  You can always stop by the credit union at your convenience.  Our tellers will have the necessary form ready for you to sign. 

If you have any questions, please contact us at 303/740-7063.

How do I sign up for Direct Deposit?

Most employers have a form that needs to be completed with Credit Union information. Arapahoe Credit Union’s routing number is 307076342 and the account number will be your member number for the savings account, or the second set of numbers on the bottom of your checks for your checking account. We can provide you with a letter confirming this information, if needed. Additionally, the Credit Union has a form DIRECT DEPOSIT FORM which you can fill out and provide to your employer.

Which number should I use - member number or checking ?


Your choice depends on where you want your funds to be pulled from or deposited.  Your member number will default to your primary savings account and your checking number will go to your checking account.  This is true whether making a direct deposit or paying from your account.  Please note: Federal regulations restrict some withdrawals from your savings account to six per calendar month. If this is an issue, please contact us. On direct deposits, Arapahoe Credit Union has the ability to automatically distribute funds into other accounts at the credit union.  For example, you can automatically make your loan payments or savings deposit or divide it among all of your accounts.
 
Your member number is the number you received at the time you opened your account and use to access online banking. Your checking account number is the second set of numbers on the bottom of your checks (the other number is the routing number). This will be ten total digits.

If you have questions, please contact the credit union at 303.740.7063 or toll-free at 1.866.740.7063

How do I wire funds?

You can conveniently and securely wire funds locally, nationally and internationally to and from your credit union account. We also offer Western Union services.

To send a wire, please contact us at 303/740-7063. For smaller transfers, we may be able to authorize this over the phone, but larger transactions may need additional identity verification.  You will want to have the other institution’s wiring information available. You can also get started using this form.

To receive a wire, you will want to provide the other institution some additional information. Your wire should be routed through SunCorp Corporate Credit Union with the routing/ ABA number 307087399. Their address is 11148 Benton St./ Westminster, CO 80020. The beneficiary will be listed as Arapahoe Credit Union with the account number 307076342 (our routing number). Then list the member name and account number as FBO (for the benefit of). If it is needed, our physical address is 3999 E. Arapahoe Road, Centennial, CO 80122.

 

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ONLINE SERVICES

Do you offer free online banking and free online bill pay?

Yes! This no-cost service offers Arapahoe Credit Union members the opportunity to access their accounts 24-hours a day via the Internet. You can log in or set up this account from our home page at https://www.arapahoecu.org.  This will allow you to review your accounts, access your statements, transact and perform a number of functions without waiting for business hours. You can even get recent check copies and transfer between your share and loan accounts. What’s more, Arapahoe Credit Union uses a secure server and provides a more thorough identity verification system than you see at many banks.

In addition, we also offer free online Bill Pay directly linked to your on-line banking account. This makes Arapahoe Credit Union’s web-site an effective control panel for all of your banking, bill-paying and financial needs.  By using Bill Pay and on-line banking, you will avoid the risk of mail theft and keep your account information secure.  You will also save money by never paying for checks, stamps, or envelopes, and, on top of that, you can do it all from your home, making it a fast and convenient method for managing your finances. 

 

How do I enroll in online banking?

  1. Go to our web page https://www.arapahoecu.org
  2. Below Arapahoe Credit Union’s logo and menu options, you will see a section labeled “Online Banking and Bill Pay.”  Below this are two buttons. Please click on “New User.”
  3. The next page will say “Required Security Update.”  Enter your member number, your PIN, (which will generally be the last 4 digits of your social security number), and the security characters you see in the box.  Then select “Next.”
  4. Create three security questions and three answers. Note: the answers are case sensitive so how you type them here is how they need to be typed in the future.
  5. You will then create a security key which is just a word or phrase that is unique to you.  This will show up when you are logged in to help you verify that you are in Arapahoe Credit Union’s web site. Then enter your e-mail address if you choose and hit “Finalize.”
  6. Change your PIN at the prompt. Please note:
    • PIN must be numeric only and at least 6 digits in length.
    •  If the system does not request this, you can do so under your “Options” tab.
    • The password/PIN for online banking and the PAL system (Phone Access Line) will always be the same number.

For your protection, if there are three (3) failed attempts to log into your account, the system will be locked. To ‘unlock’ the system, please contact a credit union representative at 303.740.7063 or toll-free at 1.866.740.7063

How do I enroll in Bill Pay?

Arapahoe Credit Union’s Bill Pay product is directly linked with your online banking account.  You just need to have it activated before you can use it.  If you have a checking account and have already registered your online banking, the rest is easy.

  1. Log in to your account online.  Find the menu bar button that says “Bill Pay.”  Click this.
  2. You will see an authorization form.  Please verify the information, read over the terms of use and click “Accept.”  This sends us a message to set your account up.
  3. Give us 24 hours or a business day, then log back into your account and click “Bill Pay” one more time.  A new window will load with your Bill Pay control panel. Please note: If the new window does not load, it is most likely a pop-up blocker stopping it.  Adjust your browser to allow pop-ups from our site and this will then load as normal.  Generally, you can right click a yellow bar at the top of your browser and select “Allow Pop-Ups,” but please contact us if you run into problems.

What are E-Statements?

E-statements are a faster, more secure and environmentally friendly way to receive your official statements.  By having these available through on-line banking, we are able to protect your account information against mail fraud and get them to you without delay.  The moment it is created is the moment you can view it.  Moreover, you can actually access a full seven year archive of your records which is useful for record keeping or if you ever get audited.  E-statements also keep Arapahoe Credit Union environmentally friendly by reducing paper waste.
E-statements are very simple to use. Once enrolled, we will begin sending you a reminder email when your latest E-Statement is ready.  Then just log in to your online banking account and select the E-statements button towards the middle of the menu bar. From here, you can view, print or download any of your past statements up to seven years.

How do I enroll in E-statements?
There are several ways to sign up for electronic statements.  When you first register for online banking our computer will automatically ask you if you would like to enroll.  Just follow the prompts and then confirm this through the e-mail that we send.  Second, you can enroll at a later time by logging into your account and clicking “E-statements” in the middle of the menu bar at the top.  Again, follow the prompts and confirm this through the e-mail we have sent.  Lastly, you can always contact us to have it done for you.  Please just call us at 303/740-7063 where any of our member service representatives will gladly complete this process for you.

Can I order checks online?

Absolutely.  While we are more than happy to place this order over the phone or in person, you can also order directly from Harland Clarke by clicking here.  Additionally, this will be listed as a “My Resource” on our checking accounts page.

Do you offer account notifications?

We offer fully customizable text and email notifications through on-line banking. You can see debits when they happen, deposits when they arrive or even track your outgoing payments throughout the day. All you have to do is sign into your account, click your “Options” tab and then “Account Alerts.” From here, you can customize these however you want.
For text messages, just use your phone number plus your carrier’s email-to-text extension. For example, with T-mobile just use the destination ###-###-####@tmomoail.net. For AT&T, use ###-###-####@txt.att.net. Verizon is at ###-###-####@vtext.com. Don’t know your carrier’s extension? Contact Us and we will get that for you..

How do I enroll in mobile banking?

1) First, on a computer, go to www.co-opmobile.org where you will register your phone. Then please follow the screen prompts. (The following are the steps that will be requested.)

a) Select Arapahoe Credit Union from the drop down list.
b) Click the “New User” button.
c) Type in the member number that you would like to use.
d) Fill in your name and enter the last five of your social.
e) Authenticate yourself with the requested information.
f) Create your account markers (ID, Password, and Nickname).
g) Enter your phone information and accept the terms of use.
h) Select your banking preference. Text Banking is great if you don’t have a
smart phone, but Mobile Banking tends to be easier if you do have one.
Please note the instructions given at this point. These will include your
activation code.

2) Second, activate your phone. You will receive a text message from us (#282228)

a) For Text Banking, reply to the message with your activation code.
b) For Mobile Banking, select the embedded link to go to the log in page.
c) Follow the prompts to finish activating your phone.

3) Lastly, you can begin to use Arapahoe Credit Union’s Mobile Banking!

a) For Text Banking, all you have to do is send a text to us at 282228. Use the
letter “c” to get a list of commands and prompts to use your account.
b) For Mobile Banking, you can follow the previous link and “sign in” or you can
save the site to your favorites for easy access.

Once your account is established, you can return to the enrolling web-site
www.co-opmobile.org
to change your password, disconnect devices, change numbers, or retrieve your activation code. If you ever need assistance with any of these functions, our call center is available to help from M-F 9-5 pm local time. For your reference, you can find more information and the basic text commands here.

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CREDIT UNION

What is a Credit Union?

A credit union is a cooperative, not-for-profit financial institution organized to promote thrift and provide credit to members. Credit unions are member-owned and controlled through a board of directors elected by the membership, from the membership. The Board of Directors is made up of unpaid volunteers who set the direction of the credit union. The Board of Directors also establishes and revises policy, sets dividend and loan rates, and directs certain operations. As a result, members are provided with a safe place to save as well as a place to borrow at reasonable rates.

Who owns a credit union?

You do! As a member of Arapahoe Credit Union, you are also an owner. Members can vote for your volunteer Board of Directors, or even run for an open position.

How did credit unions start?

The first credit union cooperatives started in Germany over a century ago. Today, credit unions are found around the world. In this country the credit union movement began in Manchester, New Hampshire. There, the St. Mary's Cooperative Credit Association, a church-affiliated credit union, opened its doors in 1909. Today, one in every three Americans is a credit union member.

What is the purpose of a credit union?

The primary purpose of a credit union is to encourage members to save money. Another objective is to provide loans to members. Credit unions have traditionally made loans to people of ordinary means. As not-for-profit financial institutions, credit unions can charge lower rates for loans and pay higher dividends on savings, Rather than paying profits to stockholders, credit unions return earnings to members in the form of dividends or improved services.

Are my savings federally insured?

Yes. All savings accounts are insured up to $250,000 by the NCUA (National Credit Union Administration), an agency of the federal government similar to the FDIC. Your Individual Retirement Accounts (IRAs) are insured up to an additional $250,000. Click here for more information.

Who can join a credit union?

A credit union exists to serve a specific group of people, such as a group of employees or the members of a professional or religious group. This is called a "field of membership." The field of membership may include where they live, where they work, or their membership in a social or economic group.

For the most part, anyone living or working in Arapahoe County, friends and family of our current members, and any employee of our select employer groups click here to see full list) are automatically eligible.  However, if you have any questions or would like to see about eligibility, please contact us at 303/740-7064

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Third Party Disclaimer - ReOrder Checks

You are leaving Arapahoe Credit Union's website and entering an external website that is not hosted by Arapahoe Credit Union. This service is provided by one of our reliable partners who are bound by contract not to share our member's information other than when providing service for Arapahoe Credit Union. We do encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different from those of Arapahoe Credit Union. Please be advised that you will no longer be subject to, or under the protection of, the security policies of Arapahoe Credit Union's website. Arapahoe Credit Union is not liable for information, content or transactions, nor does it guarantee the services provided at other sites. Do you wish to continue?

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