Simplicity in Transactions

Open to All of Colorado

From electronic tools to free, day-to-day transactions, ACU has everything you need. Contact us for additional questions!  

Forms, Important Information, and More

  • Direct Deposit Form
  • Order Debit Card
  • Enroll in $wipe and $ave
  • Disclaimers and Legal Stuff
    Arapahoe Credit Union is a not-for-profit, community institution that prides itself on working with our member as individuals. We will work to get you every possible benefit and feature we can. However, products are subject to possible fees and approval. All savings are insured by the NCUA to $250,000. Our standard checking is free. However, fees may apply for additional services such as courtesy pay. Fraud coverage is generally set at 100%, but you will need to let us know within 60 days to ensure we can recover your money! Restrictions may apply.

    Please note that an overdraft loan product is different than courtesy pay and provides a number of advantages. However, it is subject to approval. Loan limitations and restrictions may apply.


Courtesy Pay: Covering payments by the credit union is a discretionary courtesy and not a right of the member or an obligation of the credit union. This privilege for consumer share draft accounts will be limited to a maximum amount of $2,000 (or less, depending on approved limit) balance in the negative. Transaction types that are eligible for courtesy pay include and are limited to: ACH transactions, debit card transactions, and drafts (checks). You must bring your account balance to a positive balance within every 30-day period for a minimum of 24 hours to remain eligible. The credit union, at its sole discretion, can cancel this protection, and cease paying overdrafts at any time without prior notice of reason or cause. Approval is required before being allowed this service. Additionally, this is an "at-will" program. You may opt-out of coverage at any time by contacting the credit union and providing written instructions if necessary. Of note, we offer several levels and various limits to this service (e.g. use for all transactions or just ACH/ check options). To discuss this service or help us customize it for your needs, please contact us. For full information, restrictions, policies and practices regarding Courtesy Pay, please tap or click here.

All insurance and investment services are provided by third party companies. While trusted, they are independently operated and subject to their terms and conditions. Products advertised may not be federally insured or considered obligations or to be guaranteed by Arapahoe CU or any affiliated entity. Investments you make involve risks and may lose value including the possible loss of principle investment.

Live Your Lifestyle

We all want to live our own way.  It's important that we do it the right way.  Arapahoe CU looks to help.