Open Accoun t

Accounts for Any Age


Account services to safely support, develop and sustain your financial life.


Early Development and a Smart Start

Starter Savings Accounts
The last decade has taught us just how important personal finance is. Uncertain futures and changes in retirement put money matters directly in the hands of individuals and families. Unfortunately, most people don’t get the teaching, or more importantly, the experience until it really matters. Kids can get a leg up with some very basic tools and simply getting started with good habits.

Arapahoe Account


ACU offers its most basic account as a way for young people and students to get a start with finance. The credit union will fund an account for anyone under 12 years old by making the initial $5 deposit. From there, they can begin to use us just like everyone else. It is a great way to learn about savings, interest and self-control. When an individual is old enough and ready to move on, the Arapahoe Account is easily upgraded into other, more versatile account structures.

What it Comes With:

  • ACU Basic Savings with identity recovery services
  • Additional savings and customized accounts (Optional)
  • Coverdell Educational Savings (Optional)

Benefits:

Financial Education Financial Education
  • Easy to set up
  • Ensure lifetime membership with a not-for-profit credit union
  • Receive ongoing financial education and resources
  • Parents can remain joint owner as long as needed
  • Easily customizable and upgradeable when you are ready
  • Nationwide access
  • ACU Identity Safe guarantees a clear slate for when finances really matters.

Developing Basic Skills Without the Risk

Colorado Account
As time goes by, the more basic accounts just don’t cut it. Eventually, needs become more complicated, life so much busier and you will simply want better and more flexible access to your money. However, when starting out, you don’t necessarily want to jump straight into the deep end.

Colorado Account


ACU offers its intermediate accounts to anyone age 13 and up. At this point, you can progress your experience into more adult products and services, but in a way that takes out some of the financial risk. For parents, the Colorado Account lets you continue to guide your child and guarantee their education on a more controlled platform. Each Colorado Account comes with a checking account protected by our in-house controls to help prevent over-drafting. Additionally, parents and co-signers still keep account access and management to help monitor and protect..

What it Comes With:


Benefits:

Colorado Account for Students Financial Education
  • Teaches account responsibility with far less risk
  • Nationwide access
  • Receive ongoing financial education and resources
  • Parents can remain joint owner as long as needed
  • Easily customizable and upgradeable when you are ready
  • ACU Identity Safe guarantees a clear slate for when finances really matter

Littleton Public Schools

Developing Stronger Financial Skills/ Preparing for the Future

National Account Benefits
Credit that has become an immense building block for a good future. Building credit now is not only a great chance to learn, it also has future benfits. ACU offers its next step up in accounts when a person turns 16. At this point, you can begin to venture into more responsibility*, but still retain the safety net and parental control.

American Account


ACU offers its next step up in accounts when a person turns 16. At this point, an account holder ventures into more responsibility, but will still retain a parental safety net. Our American Account offers the same things as the Colorado Account, but will also let you tack on other benefits for account protection and convenience. More importantly, it can put you on track to have good credit.
Our American Accounts add an optional $300 overdraft line of credit or a $500 Visa® card. These accounts are entry-level, lower risk accounts that will immediately begin to build credit. Of course, with a cosigner, they are more controlled and easily monitored as well.

What it Comes With:

  • ACU Basic Savings with identity recovery services
  • Basic student checking with overdraft controls*
  • Debit card with 100% fraud coverage*
  • $300 overdraft line-of-credit* (Optional, on approval)
  • $500 fraud-monitored and protected credit card* (Optional, on approval)
  • Additional savings and customized accounts (Optional)
  • Coverdell Educational Savings (Optional)
  • Checks (Optional)
  • Money Market Savings (Optional)
  • Certificates of Deposit (Optional)

Benefits:

Arapahoe Credit Union Financial Education
  • Builds credit early
  • Teaches account responsibility with far less risk
  • Receive ongoing financial education and resources
  • Parents can remain joint owner as long as needed
  • Easily customizable and upgradeable when you are ready
  • ACU Identity Safe guarantees a clear slate for when finances really matter

A Platform to Build On. The Future is Now.

Global Accounts at Arapahoe CU
At this point, you are probably dealing with far more financial responsibility. Perhaps you are working; you might be going to school. In either case, you have more freedom and your decisions carry more weight. Our Global Account is meant to offer services to help you be successful including fraud protection, ID recovery, transaction resources, online conveniences, mobile banking, credit cards, overdraft protection and pretty much everything else you need.

Global Account


At 18, you are eligible for full credit union account services. While this means more responsibility, it also means more freedom and convenience without the burden of a cosigner. Our Global Account gives you all of the tools you will need to be successful and allows you to grow while maintaining the credit union foundation that supports you. For this account, you do not need a cosigner. On approval, you can qualify for almost every product available. Moreover, we can customize your accounts as you need them so that you are protected.

What it Comes With:


Benefits:

Arapahoe Credit Union Financial Education
  • Builds credit
  • No cosigner liability
  • Receive ongoing financial education and resources
  • Parents can remain joint owner as long as needed
  • Easily customizable and upgradeable when you are ready
  • ACU Identity Safe guarantees a clear slate for when finances really matter

Our Youth Accounts...

While we try to work with our members on everything, there are some limitations. Overdraft controls cannot guarantee full protection, but they help immensely. Approval on some products and features is subject to qualification. Rates and fees are subject to change at any time. For Visa® fraud coverage, we must be notified of a compromise within 60 days. Some products are optional and adjustable, so please let us know if you have any questions.

Got it!    Rates 


Our Youth Accounts...

While we try to work with our members on everything, there are some limitations. Overdraft controls cannot guarantee full protection, but they help immensely. Approval on some products and features is subject to qualification. Rates and fees are subject to change at any time. For Visa® fraud coverage, we must be notified of a compromise within 60 days. Some products are optional and adjustable, so please let us know if you have any questions.

Got it!    Rates 


Our Youth Accounts...

While we try to work with our members on everything, there are some limitations. Overdraft controls cannot guarantee full protection, but they help immensely. Approval on some products and features is subject to qualification. Rates and fees are subject to change at any time. For Visa® fraud coverage, we must be notified of a compromise within 60 days. Some products are optional and adjustable, so please let us know if you have any questions.

Got it!    Rates 


Our Youth Accounts...

While we try to work with our members on everything, there are some limitations. Overdraft controls cannot guarantee full protection, but they help immensely. Approval on some products and features is subject to qualification. Rates and fees are subject to change at any time. For Visa® fraud coverage, we must be notified of a compromise within 60 days. Some products are optional and adjustable, so please let us know if you have any questions.

Got it!    Rates 



NCUA