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TruStage Insurance

October 23, 2020

5 Buck Club

  • You must have a checking account with a debit card, have $500 or more deposited to your account with direct deposit, perform 15 or more debit card transactions, and be enrolled in estatements each qualification period.

  • Yes. You can receive $5 per month, up to $25 in out-of-network ATM fees per year, and up to $24 in PIN fees per year.

  • Nothing.  There is no penalty for not meeting the 5 Buck Club requirements.  You simply will not receive the $5 or other qualifying reimbursements.

Auto

  • Yes! Get preapproved by applying online, calling us, or coming into a branch. We recommend getting preapproved before you shop to make the buying process easier.

  • Up to one business day.

  • Yes, you can borrow cash against your vehicle as long as you have equity in the vehicle, and qualify for the loan.

  • We offer terms up to 84 months. Please note the term of your loan may impact your rate.

  • Denver Community Credit Union requires all vehicles financed to carry auto insurance coverage with a $1,000 deductible or less where Denver Community Credit Union is named as the lienholder. Insurance coverage is routinely checked. If it is indicated that your insurance has lapsed or your coverage has dropped from the acceptable level, the credit union has the right to place Collateral Protection Insurance (CPI) on your vehicle.  This is an added monthly fee that is charged until proof of insurance, loss payable and deductible are provided to the credit union.

  • Collateral Protection Insurance is coverage that protects against physical damage and protects the credit union’s interest in your vehicle (your loan’s collateral).

    Your signed loan documents give Denver Community Credit Union the right to force-place CPI on your vehicle when coverage has lapsed.  To avoid CPI, it is important to inform your insurance provider to name Denver Community Credit Union as the “Loss Payee/Lienholder” on your policy.  To mail insurance verification, please use the following address:

    Denver Community Credit Union
    1075 Acoma St.
    Denver, CO 80204

    CPI is not a substitute for finding your own insurance.  It is often much more expensive than auto insurance you would find from typical providers.  CPI does not provide protection for third-party bodily harm or injury, or to other property.  CPI only protects the vehicle as the collateral of the loan. If you are in need of insurance or would like to shop around for a better deal, check out Trustage to get a free quote.

    To provide proof of insurance, please visit any branch location.  If you received a letter about missing insurance or a lack of insurance coverage, you can provide proof of insurance electronically by visiting https://imcovered.com/dccu.

    If you would like to mail, email or fax your proof of insurance:

    Mail:
    PO Box 692130
    San Antonio, TX 78269-21

    Email: [email protected]

  • GAP is Guaranteed Asset Protection and is often added or sold at the time of loan closing.  It covers the difference between what insurance covers and the amount you owe on your loan should your vehicle be totaled.  Even the best insurance may not cover the entire amount you owe on an auto loan.  In fact, if the average new car owner has his or her vehicle stolen or damaged beyond repair, they could still owe thousands of dollars after the insurance settlement. GAP will help fill the remaining balance of your loan and what insurance pays.  Plus with Denver Community’s GAP Advantage, you’ll get back on the road more quickly with a $1,000 allowance to finance a replacement vehicle with us.

     

    To learn more about GAP Advantage, call 303-573-1170 or use our contact form.

     

    *Guaranteed Asset Protection is considered insurance coverage in some states.

    Your purchase of GAP is optional.  Whether or not you purchase GAP will not affect your application for credit or the terms of any existing credit agreement you have with the financial institution.  There are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under GAP.  You should carefully read the contract for a full explanation of the terms.

  • Yes!  Major Mechanical Protection (MMP) from Denver Community Credit Union can help protect against the expense of future costly repairs.  The total cost of MMP is often far less than the cost of a single repair!  Pay for this protection once, and in most cases, you will not have to pay anything more than a small deductible should a breakdown occur. To learn more about MMP, call Denver Community Credit Union today at 303-573-1170.

  • To find auto insurance, we recommend shopping around to find the best coverage for the best price.  Click here to learn more about auto insurance.

  • To make a payment on your lease, please contact our partner, Pivot Servicing Group at 303-952-1070.

Business

  • Yes, all our memberships have online and mobile banking. As a business member you will have more options under the online platform that will help your business with their operating activities.

  • Yes, we partner with Newtek who is our payroll services provider and will guide you to the best option that fits your business needs.

  • No. Only the person(s) authorized to open the account should come in, or apply online. However, we still need the date of birth, social security number, (ID? What does this mean? ID #? Of a driver’s license?), and address of all of the owners of the business, even if they are not going to be signers on the account. Also, we required an operating agreement, incorporations agreement, minutes or partnership agreement indicating who is authorized to manage the business account with Denver Community.

  • No. We are required to have a certificate of good standing stating that the business is active and in compliance with the Colorado Secretary of State.

  • Yes, as long as the business is operating and registered in Colorado and is within the counties of Adams, Arapahoe, Denver, or Jefferson, you can open a business account.

  • We partner with Total Merchant Concepts (TMC). We will refer you to them and they will guide you on the best merchant option for your business needs.

  • All business accounts come with a debit card and your business name is embossed on the front of the card plus the signer’s name.

  • Our business membership is your savings account and your checking account is your operational account.

  • No, any account signer can sign the business checks associated to the account.

Cards

  • There is not a limit on PIN transactions. However, there is a $2 fee for each PIN transaction after the first 10 made per month. See our rates and fee schedule.

  • To request a new card, please send us a secure message in your online or mobile banking account, call us at 303-573-1170, or visit any of our branch locations.

  • Understanding your account and your spending habits best prevents overdraft fees. Plus, some accounts, like our Clear Card, don’t allow you to overdraw. You could also consider an overdraft line of credit (with approved credit), which can be a great way to avoid fees and pay bills. Call us, come to a branch, or contact us in mobile/online banking with any questions.

  • Contact for lost or stolen cards:

    303-573-1170
    Monday through Friday
    8:00 a.m. – 6:00 p.m.

    After Hours:

    888-241-2510 (Toll Free Reporting Lost/Stolen Cards within the US)
    909-941-1398 (Collect Calls Reporting Lost/Stolen cards outside the US)

  • Our Secured Credit Card is backed up by your savings account⁠—that’s why it doesn’t require any existing credit to open. Here’s how it works:

    1. You set aside funds in a special savings account.
    2. The money you set aside determines your credit limit. So if you set aside $500, you’ll have a $500 credit limit.
    3. You make monthly payments, just like any other credit card.
    4. You build (or repair) your credit. Your on-time payments count towards your positive payment history, just like a regular credit card.

Checking

  • We do not give a free box of checks with a new checking account. If you would like to order a box of checks, you may ask any branch or contact center staff, or do so by visiting http://www.ordermychecks.com/login_a.jsp.

  • Our primary checking accounts do not have a monthly fee. However, we offer a Second Chance Checking account for those that do not qualify for our primary checking product; there is a $12 monthly fee for that account. View rates and fees here.

  • No. We don’t want our members to have to worry about keeping a minimum balance in their checking account.

COVID

  • 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 are requesting a third deferment, please call 303-573-1170. Third deferments may require additional documentation including but not limited to a letter of hardship, your 2019 W2, 2019 federal tax returns, two recent pay stubs, and your account statements.

    Request Deferment Information

    If you need assistance with a mortgage payment and your mortgage is serviced through one of Denver Community Credit Union’s service 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: https://pivotservicing.com/ (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

    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% Annual Percentage Rate, 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.  The 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.

    Member Assistance Loan

  • Yes. We are open to serve our members. For branch hours and locations, please visit our branches and ATMs page.

  • Yes. Please follow all signage and instructions upon your arrival to a branch. Together we can help reduce the spread of the coronavirus.

Credit Card

  • A cash advance is when you transfer money from your credit card’s line of credit to another account for use, or use the credit card at an ATM to get cash. This is okay to do in a pinch, but cash advances begin costing interest as soon as you withdraw. Check out all of our details on credit cards here.

  • A balance transfer is when you typically move the balance of one card to another, oftentimes to lower the interest rate and pay the debt off faster, saving you money. We offer this service as part of our credit cards.

Education

  • Denver Community’s routing number is 302075694.

  • Our financial education program currently offers virtual classes, free e-courses, and one-on-one financial coaching.

  • Our financial education program covers a wide variety of topics including, but not limited to budgeting, goal setting, credit, estate planning, managing money as a couple, financial basics, etc.

  • No! Our education is free to everyone. A stronger community equals a stronger credit union. We treasure providing quality financial education to anyone.

  • Absolutely! We love friends! We only ask that you register your friend so we can plan accordingly.

  • Yes! You get way more than you pay for. We believe in providing quality financial education to our members and community at no cost. A stronger community equals a stronger credit union.

General

  • Save money with member exclusive insurance.

    ​Are you spending more than you should on insurance? Denver Community’s TruStage Insurance includes many insurance options that could save you money. Discover how much you could save on auto, property, life, AD&D, or even medical insurance by requesting a quote below.

    Request A Quote

     

  • Yes. We are open to serve our members. For branch hours and locations, please visit our branches and ATMs page.

  • Yes. Please follow all signage and instructions upon your arrival to a branch. Together we can help reduce the spread of the coronavirus.

  • You may make up to 25 internal transfers per day with a daily limit of $50,000, and a $25,000 limit per transaction.

  • You may make up to 5 external transfers per day with a limit of $1,000 per day.

  • There is not a standard credit check. However, we do utilize multiple systems and reports to ensure we can identify our members and provide them the best service.

  • $510 per day, but individual ATM machines may have lesser limits.

  • As a member of Denver Community Credit Union, you can visit any CO-OP ATM surcharge-free. Find an ATM near you by clicking here.

  • You may change your PIN in person at our Acoma, Andrews and Federal locations. You may also have a new secure PIN mailed to you.

  • First, so happy you want to join us! Joining Denver Community is more than an account – you become an owner of your cooperative financial institution. Your deposit dollars go directly into loans for others in your community. You’re joining something special. Second, you may start opening your membership by completing our online application, or by visiting any branch location. To finish opening your membership you will need to provide two forms of identification. One form of identification required is a government issued ID. A secondary ID can be a credit or debit card, student ID, or social security card. A $25 deposit is also required to open your required Share Savings account. This $25 represents your ownership of the credit union as a member.

HELOC

  • You can borrow up to 85% of the value of the home.

  • A HELOC works by allowing you to borrow against the equity in your home. Unlike a second mortgage, a HELOC acts similar to a credit card where you can borrow funds as you need them instead of receiving one lump sum of money.

  • Approximately 2 weeks.

  • Yes. They may provide you with a list of documents, and then they will give you the contact information to one of our expert mortgage loan officers.

Home Loans

  • Please click here to access our borrower checklist.

  • Approximately 30-45 days.

  • Yes. They may provide you with a list of documents, and then they will give you the contact information to one of our expert mortgage loan officers.

  • Closing costs are usually between 1.50% to 2.00% of the loan amount.

  • We offer many mortgages. Some mortgages may require less of a down payment than others. We offer mortgages with down payment requirements as low as 3%.  Please contact a mortgage loan officer for more details.

  • 620 is the minimum credit score to qualify for a mortgage. Please note that other factors like income, debt-to-income, loan to value, among others can impact your ability to qualify.

Loans

  • 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 are requesting a third deferment, please call 303-573-1170. Third deferments may require additional documentation including but not limited to a letter of hardship, your 2019 W2, 2019 federal tax returns, two recent pay stubs, and your account statements.

    Request Deferment Information

    If you need assistance with a mortgage payment and your mortgage is serviced through one of Denver Community Credit Union’s service 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: https://pivotservicing.com/ (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

    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% Annual Percentage Rate, 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.  The 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.

    Member Assistance Loan

  • You will need to know your Social Security Number, and provide a valid ID. The loan application will require information about your employment and income. Depending on the loan, you may be required to provide additional information.

  • If you are employed, paystubs are an acceptable form of proof of income. If you are self-employed, we require your last two years of tax returns. If you are retired, award letters are acceptable. If you are a non-citizen borrower, two years of tax returns are required.

  • One business day.

  • Please check the status of your loan application by calling 303-573-1170, or using our Lending Contact Form.

  • You may make a loan payment by making a transfer within your online or mobile banking account, visiting our online payment portal, calling 303-573-1170, or by visiting any branch location.

  • Yes, you can apply for a loan online from the comfort of your home.

Mile High APY

  • You must have a checking account with a debit card and make transactions to deposit money to the Mile High APY account. Only the difference between your transaction amount, and the next rounded dollar amount, will be deposited to the Mile High APY account.

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Mobile Check Deposit

  • Your check deposit may take up to 1 business day to be credited to your account.  In the meantime, to see all checks deposited, select the “Move Money” menu, click “Manage Online Activity” , and select “Deposited Checks”.

  • $5,000 per day.

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Online Banking

  • Yes.  We can facilitate wire transfers.  For more information, visit our Wire Instructions page.

  • Simply select the “Transfer Money” button within your online or mobile banking.

  • To link an external account within online or mobile banking, select “Move Money” and then click “Add External Account.” Enter your external account information. Micro deposits will be made to the external account which you will need to verify within 1-2 business days.

  • You may make up to 25 internal transfers per day with a daily limit of $50,000, and a $25,000 limit per transaction.

  • You may make up to 5 external transfers per day with a limit of $1,000 per day.

Personal Loans

  • We offer loan terms up to 60 months.

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Questions

Savings

  • You must keep $25 in your share account. This represents your ownership as a member in the credit union.