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City and County of Denver Resources

Denver Community Credit Union was started by employees of the City and County of Denver in 1934. We have helped employees through good times and troubling economic times. We are continuing to help. 

Denver Community Loans

Member Assistance Loan
This loan is designed to give current members access to funds during this difficult time. This loan is a fixed rate, personal loan featuring 4.99% APR*, for up to 18 months, with the first 90 days' of payments deferred.  This loan amount is up to 2x net income, or $5,000, whichever is less.  Applicant must demonstrate hardship.  Documentation may be requested.  Income verification is required. Must be a Denver Community Credit Union member for 90 days or more to qualify. Use the link below to apply.



Cash-Out or Refinance Your Vehicle

Refinance an existing auto loan to lower monthly payments or use the equity you have in your current vehicle to access cash.



Personal Loans

A Personal Loan is a great loan with a lot of flexibility.  Use funds for anything you need. It's great for when you need a little extra cash!  While membership is required for all Denver Community loans, you may start this application as a non-member.




Home Refinancing & Home Equity Loans

Denver Community offers home refinancing and home equity loans, including a home equity line of credit (HELOC) with interest-only payments, for those that qualify.  To learn more about the home refinancing and home equity loan options, click here.


Payment Deferment

If you are experiencing hardship, and need assistance, please request information about our loan payment deferment program. Request information using the form below.  Please note that credit card payments and Home Equity Line of Credit (HELOC) payments are not eligible for deferment.


If you need assistance with a mortgage payment and your mortgage is serviced through one of Denver Community Credit Union's servicing partners, please contact your servicer directly.  Below is the contact information for making a payment deferment request for both of our servicing partners. 

Pivot Servicing Group
Website: (You may make an online payment deferment request on this site.)
Phone: 303-952-1070

Midwest Loan Services
Email: [email protected]
Phone: 1-800-262-6574

*APR is Annual Percentage Rate. This loan amount is up to 2x net income, or $5,000, whichever is less.  Applicant must demonstrate hardship.  Documentation may be requested.  Income verification is required. Must be a Denver Community member for 90 days or more to qualify. 

**With credit and collateral approval.

**With approved credit. Rate is accurate as of 5/11/2020. Rates are subject to change without notice. Auto loan rates range from 2.99% — 18.00% APR. Rate is dependent on credit qualification, length of term loan-to-value (LTV), age of vehicle, and if the vehicle is new or used. For a $10,000 loan with 60 month term payments at 2.99% APR, the monthly payment would be $17.96 per $1,000.

***With approved credit.  Rate accurate as of 5/11/2020. Rates are subject to change without notice.  Personal loan rates range from 9.95% - 18.00% APR.  Rate is dependent upon credit qualification.  For a $5,000 loan with a 60 month term, monthly payments at 9.95% APR would be $21.22 per $1,000.

Financial Coaching & Education

Financial Coaching

Times are hard for everyone right now.  If you need assistance to work through your budget, to get access to local resources, or to get help with your financial goals, schedule a confidential one-on-one financial coaching session.  Denver Community's Clear Money Program financial coaches are ready to assist you.

Financial coaching is by appointment and is currently only being offered remotely by phone or video chat. 



Denver Community offers free e-Learning financial education!  The interactive e-courses are mobile compatible and require no downloads.  Each topic is 2-7 minutes long, and learners can select any topic of interest.  Topics include family conversations about money, building savings, identity protection, home buying, credit, among other topics.


Community Resources

If you are in a difficult situation and need support, the following community resources may be able to help.

  • Call 2-1-1 to get connected to food, shelter, childcare, and other critical resources 24/7.  You can also live chat or search United Way Denver's online database at
  • For children needing access to meals while Colorado schools are closed due to coronavirus, click here for an interactive map of locations distributing meals.
  • Visit the City & County of Denver's website for a list of Support Services for residents and business owners.
  • Call 3-1-1, then press 6, for emergency rent or utility assistance for City & County of Denver residents.
You Can Apply For Membership!

Great news!  Even during this time, Denver Community Credit Union is still accepting members!  If you want to be part of a financial institution that believes in serving its members, and communities, Denver Community Credit Union may be the credit union for you!  Plus, deposits are Federally Insured by the NCUA, and we are ranked one of the healthiest credit unions in the nation by!


To become a member of Denver Community Credit Union, you must live or work in Denver, Adams, Arapahoe, or Jefferson counties, be a family member of a current member, or a member of Consumers United Colorado.  $25 share deposit is required at the time of account opening.

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