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A Quick Run Down of What We Do Here...

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.

What about Arapahoe Credit Union?

Arapahoe Credit Union is the premier credit union in Colorado. We began as a teachers credit union and, 75 years later, we are now able to serve Colorado, current members, and any family or friend associated with these two groups... pretty much anyone.

We recently received the highest score in the nation from the NCUA (same thing as the FDIC) for compliance and stability. Essentially, we are as good as it gets. When coupled with our not-for-profit status and dedication to service, we really are top-tier on the national scale.

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. We are governed by the best interests of our members, not Wall Street stockholders.

What is the purpose of a credit union?

The primary purpose of a credit union is to save members money. Basically, we cut out the stock holders and run a bank without skimming or maximizing profits. As with a bank, people deposit money and we invest or loan this out (insured, of course- you cannot lose money here). Again, we don't have to pay anyone else so all profits stay in-house, paying for better services and better rates. Not-for-profit means we can charge lower rates for loans and pay higher dividends on savings.

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?

Technically, there are federal restrictions that guide who can join a credit union. Realistically, it isn't that complicated. If you live or have lived in Colorado, we can almost assuredly make you a member.

How Quick You Can Access Your Money, Update Personal Information, Direct Deposit, Wire Funds...

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 80122.
  •  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.

Hours, Address, Shared and Nationwide Branches, ATMS...


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.


Pay Your Loan in A Few Easy Steps...


AcUtransfer Lets You Connect With Your Other Accounts.

Step 1) Register your AcUtransfer

  1. Log into online banking as you normally would. You can do this from the home page.
  2. Under "Transfers," click "AcUtransfer."
  3. Read and accept the terms of service if you agree.

That's it to register! You can now begin setting your transfers.

Step 2) Set Up Your Payment Account

  1. Log into your online banking if you are no longer there.
  2. Click the "Transfers" tab and then select "AcUtransfer."
    Please note: If you have a pop-up blocker, you must disable it.
  3. Go to the "Manage Accounts/ People" tab.
  4. Select the "Credit Union or US Bank" option and fill in the necessary information.
    Please note: You can simply enter your other bank's name and our system will usually find your institution.
On completion, our system will start the process by sending two small transactions to your other bank (we pride outselves on security and must make sure everything is legitimate). You just have to wait until they arrive and then come back here to verify the numbers.

After that, you are clear to make your transfers between each bank. Everything is linked!

Step 3) Pay Your Loan

Now, you just need to transfer.
  1. Again, log into your online banking if you are no longer there. Click the "Transfers" tab and then select "AcUtransfer."
    Please note: If you have a pop-up blocker, you must disable it.
  2. From the primary page, or the "Overview" tab. Select the "to" and "from" accounts and how much you want to transfer.
  3. Click "Confirm" and you are off and running! You can cancel up until processing time by selecting finding your payment to the right in the pending list and just click "cancel."
    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.

 

Any problems, please let us know. We can also help you automate your payments.

Pay and Automate Your Bills...


AcUbillpay Lets You Fully Control Your Payments From Online Banking

We offer free online Bill Pay linked within 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. Through our system, 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. 

Step 1) Register your AcUbillpay

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.

Step 2) Set Up Payees

  1. Log in to your account online.  Find the menu bar button that says “Bill Pay.”  Click this.
    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.
  2. When the new window is up, just enter the payee into the field that says "Pay Someone
    New
    " and click "Add".
    1. If our system recognizes the payee, then all you need to do is enter the account number and you'll be ready to move on.
    2. If the system doesn't recognize the payee (this happens with small merchants and businesses), then you will need to add an address and some other basic information. This also means you should anticipate the payment to go through regular mail.

Step 2) Pay a Bill

  1. Everything is pretty much taken care of at this point. Now you just need to find your payee on the primary page ("Bills and Payments" tab) and enter how much you would like to pay. Choose the date right next to it and click "Pay." It's that simple!
    1. Pay attention to the "Deliver by:" section. This will tell you the approximate date the payee will actually receive your payment. Most of the time, this is an electronic transfer and will be there in around 2 business days, but we can't guarantee it based on the merchant.
    2. When you authorize a payment, it will then show up on the right-hand side. You can view and cancel each payment up until it is actually processed.
  2. You can also set this up to pay automatically. Simply click on your payee and in the drop down menu select "Pay Automatically." Our system will walk you through from there!

Pay Another Person in A Few Easy Steps...


AcUtransfer Lets You Pay Charities and Any Other 3rd Party.

Step 1) Register your AcUtransfer

  1. Log into online banking as you normally would. You can do this from the home page.
  2. Under "Transfers," click "AcUtransfer."
  3. Read and accept the terms of service if you agree.

That's it to register! You can now begin setting your transfers.

Step 2)Designate Who You Want to Pay

  1. Log into your online banking if you are no longer there.
  2. Click the "Transfers" tab and then select "AcUtransfer."
    Please note: If you have a pop-up blocker, you must disable it.
  3. Go to the "Manage Accounts/ People" tab.
  4. Select the "Person" option and fill in a name and either a phone number or email address.This can absolutely be any party so long as they are willing to take the payment.
Now you are ready to pay...

Step 3) Pay the Person

Now, you just need to pay them.
  1. Again, log into your online banking if you are no longer there. Click the "Transfers" tab and then select "AcUtransfer."
    Please note: If you have a pop-up blocker, you must disable it.
  2. From the primary page, or the "Overview" tab. Select the "to" and "from" parties and how much you want to transfer. If it is a person, just select the merchant's name.
  3. Click "Confirm" and you are off and running! You can cancel up until processing time by selecting your payment to the right in the pending list and just click "cancel."
    Please note: Once a transaction is processed, it is off the the federal processing system and we cannot cancel it.
On completion, our system will send either a text or email to th other party. You just need to make sure they expect it so that they don't think it is fraud. We also recommend you add a note to remind them why you are paying.

 

 

Any problems, please let us know!

Pay a Charity or 3rd Party In a Few Easy Steps...


AcUtransfer Lets You Pay Charities and Any Other 3rd Party.

Step 1) Register your AcUtransfer

  1. Log into online banking as you normally would. You can do this from the home page.
  2. Under "Transfers," click "AcUtransfer."
  3. Read and accept the terms of service if you agree.

That's it to register! You can now begin setting your transfers.

Step 2)Designate Who You Want to Pay

  1. Log into your online banking if you are no longer there.
  2. Click the "Transfers" tab and then select "AcUtransfer."
    Please note: If you have a pop-up blocker, you must disable it.
  3. Go to the "Manage Accounts/ People" tab.
  4. Select the "Person" option and fill in a name and either a phone number or email address.This can absolutely be any party so long as they are willing to take the payment.
Now you are ready to pay...

Step 3) Pay the Party

Now, you just need to pay them.
  1. Again, log into your online banking if you are no longer there. Click the "Transfers" tab and then select "AcUtransfer."
    Please note: If you have a pop-up blocker, you must disable it.
  2. From the primary page, or the "Overview" tab. Select the "to" and "from" parties and how much you want to transfer. If it is a person, just select the merchant's name.
  3. Click "Confirm" and you are off and running! You can cancel up until processing time by selecting your payment to the right in the pending list and just click "cancel."
    Please note: Once a transaction is processed, it is off the the federal processing system and we cannot cancel it.
On completion, our system will send either a text or email to th other party. You just need to make sure they expect it so that they don't think it is fraud. We also recommend you add a note to remind them why you are paying.

 

 

Any problems, please let us know!

Online Banking Help

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.

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.

Having Problems Viewing Estatements- Disabling a pop-up blocker

Generally, not being able to see your e-statements is a simple issue with your browser. Many pop-up blockers built into modern browsers are the default and you just have to turn it off for our site (we will never pass ads through a pop-up). You can turn it on just for our site if you like to maintain secureity.

For internet explorer, you will likely see a yellow message bar that says that a pop-up has been blocked. Just look for this and click the right button to allow them.

You may also see a small box with a red mark across it that shows that a pop-up has been blocked. Simply click this for options to allow it.

On Chrome, you will see the notification in the upper right corner as a box with a red "x" in it. Just click this to view your oprtions the then select "Always allow pop-ups from this site."

In Safari, pop-ups options are shown under the "Safari" tab in the upper left. You will just need to make sure the option "Block Pop-Up Wiindows" is unchecked.

Firefox is similar. You can find the pop-up blocker under the "Preferences" menu.

If you have any problems, please let us know. We are glad to help you get set up.

Set Up Account Notifications

Make Your Account Work for You

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 ###-###-####@tmomail.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.

E-Statement Help


E-Statement Are Flat Out More Secure and More Convenient

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.

 

Any problems, please let us know!



NCUA