I recently set up a checking account in person. As you all know, this can be "hit or miss" depending on the institution and the person you get to work with. The process flowed and was enjoyable for me. In my opinion and experience, this was due to working with Cindy. read more

After banking with ACU for more than 20 yrs, the day has come that I have to start banking with someone else. ACU has been great for me and my banking purposes until today. Today, I learned that I have a withdraw limit on my debit card and that ACU refuses to raise that for me. The thing that irritates me about this - this is MY money. I shouldn't need permission, or jump through so many hoops, to withdraw as much of MY money as I want. I get that customer safety is number one but ACU needs to recognize the customer's rights to their money. So after 20+ yrs, I must say goodbye and move on to a more customer friendly credit union/bank that recognizes a customer's ability to manage our own money. And before I get a response from a bank manager on this review, I understand I can walk into your location and withdraw cash but that does me no good for my digital transaction needs. I should be able to withdraw as much of my money as I want from my debit card at a moments notice. If you have protections in place to prevent fraud, that's great; you should also have something in place to allow us to take full responsibility for our withdraws. Do better ACU. read more

The customer service (Wesley)was amazing and the loan services (Candi)provided went with ease meeting and exceeding my expectations. As a proud member I highly recommend their establishment. 10 out of 10 for my experience! read more

I have used this bank for over 40 years and been well served most of the time. I did get excellent help arranging an out of state car purchase and refinancing through this credit union. And, when I call the bank, I always talk to pleasant associates. read more

I recently refinanced my car with Arapahoe credit union. I could not be happier with the experience. Cindy explained everything in detail and made it so easy. I wish I had joined them years ago. They also helped me with getting my credit card debt in a more manageable situation. Thank you Cindy for all your help and expertise​ read more

Arapahoe credit union has been a decent bank to have my car financed through until I started the process to have my car sold and take a personal loan out on the difference. that's where the issues began. I started working with a gentlemen in collections and he made the process sound so easy. I was like great. I got an offer for the car and I was told by the personal loan officer that I would get a call on Friday with the decision from him. Friday rolls around, no call, so I call the office. I get hung up on 5 times. until after the 6th attempt I finally reach someone. I am then told " the personal loan officer is out until the following Thursday and underwriting requires a max of 3 business days for review ". meanwhile all this time it's costing me! daily interest. so while everyone is taking their vacations, telling incorrect info I am paying for it. literally. then I try to email and contact the collection guy for help in this matter because I feel completely lead astray and unsure of this so called easy process. and I can't get ahold of him. I will update my review when Arapahoe decides to actually work with me. meanwhile I'm still accruing daily interest. read more

Sooooo friendly, and not in a "it's my job" kind of way. On the phone... in person.... Doesn't matter. Love having an account with them! read more

Best credit union ever! Particularly pleased with my most recent experience with Jamey for my loan. I have been with Arapahoe for years and have always been well taken care of but Jamey really shined during this process! Thank you Arapahoe for being top tier to all your customers! read more

Worked with Cindy on an internal refinance and she helped meet my needs as far as loan/monthly amounts, and additional perks. We appreciate the smooth process! read more

I recently experienced an extremely frustrating situation with Arapahoe Credit Union that I feel compelled to share as a warning to others. Their overdraft fee policy is not only unfair but borders on predatory. Here's what happened: Venmo attempted to pull a payment from an incorrect account with my credit union - an account that didn't have any funds in it. Instead of simply processing this as a declined transaction (which would be the logical response to a request for money from an empty account), the credit union "returned the payment" and then charged me an overdraft/returned item fee for this rejection. To be clear: this was an empty account that Venmo mistakenly tried to use. The credit union didn't advance any funds or cover any shortage - they literally just said "no" to the transaction, as they should have. Yet they still charged me a fee for this! To make matters worse, this rejection caused Venmo to assess their own returned payment fees against me as well, resulting in double charges for a transaction that never even happened. This practice feels deliberately designed to extract maximum fees while providing minimum service. The credit union didn't front any money or take any risk - they simply declined a transaction from an empty account, which costs them virtually nothing to do and is exactly what should happen with an account that has no funds. What's particularly frustrating is the lack of transparency. Many members don't realize that credit unions can charge these fees even when they don't actually cover any payment and even when the attempt was made to the wrong account. It's essentially a "fee for saying no" rather than a fee for a service provided. I strongly urge Arapahoe Credit Union to reconsider this policy. A financial institution that claims to be member-focused should not be profiting from declined transactions that cost them nothing to process, especially when the transaction was attempted against the wrong account. At minimum, they should waive fees in situations where payment attempts are clearly errors. For anyone considering this credit union, be extremely careful about which accounts are linked to payment services, and understand that you can be charged significant fees even when no money is advanced on your behalf and even when the transaction is attempted against the wrong account. read more

I was nervous about opening a new account since it has been a while but Ms. Doyle was super helpful making me feel comfortable and answering all of my questions ! read more

I recently obtained an auto refinance from ACU and the experience could not have gone any smoother. The communication was excellent throughout the process, including the follow up phone call from Michael Ramirez to go over getting my accounts set up, navigating the website and app, setting up monthly auto pay, and being sure that any questions I had were fully addressed. Pleasantly surprised! read more

Andre did an excellent job helping me refinance my car loan. Unbeknownst to me, the dealer I purchased my car through ran me through a system called cudle that sky rocketed my interest to 3.7%more than I should have been paying. Andre was able to get me approved for less than half the interest than I was paying. He was thorough, patient and worked with me to get the results I needed. I'm so grateful for him and highly recommend banking with him. Excellent customer service, very satisfied. read more

Ocsauna Ferguson was most helpful and patient as she showed me how to do a remote deposit. This was new to me. All the staff have been friendly every time I've interacted over the years. Thank you! read more

Worst customer service ever. Websites are confusing and garbage. Would not ever deal with them again.

Problem the worst credit unions I have ever worked with. They were charging me fees during my auto without calling me or emailing me. Especially after I moved saying they mailed me documents. I provided documents they requested which was proof of insurance. They said they would refund me which never happened. I have been now going back and forth with them then I checked again on my auto loan which I found out they were charging me fees again even though I ALREADY GAVE THEM the information.. read more

My entire experience with ACU was unpleasant. Starting with the auto loan manager who is NOT at all professional and spoke to me way too casually. Left derogatory notes on my account and as a result I wasn't allowed to have a debit card. Just wondering if any other women out there had a similar experience. He is super creepy and the Branch Manager let's him get away with this! I also work for a not-for-profit and No One at my employment from Owners to new employees behave like Matt did. Awful just awful. read more

I came to Arapahoe Credit Union because they had the best auto loan rates for what I wanted. I ended up opening an account with them before the loan was even approved, because of my experience during that first visit. I worked with Cynthia and Brenda on getting the auto loan approved and finalized through the car dealership. They both went above and beyond to help me as the dealership was making things a bit more difficult than needed. They provided great customer service and I truly felt cared about as both a customer and new member. Highly recommend visiting ACU for any financial needs. Thank you again to Cynthia and Brenda for helping me with my auto purchase! read more

Excellent team of professionals Wesley Garcia is my personal favorite. Go see them, they really outshine their compaction. I have had loans with the others and none of them we're as good. read more

Amazing staff, great app. Kayla remembers my name along with providing excellent service. I would recommend this bank to my family. The lobby is always clean and inviting. read more

I have been with them almost 20 years. Thank you for Cindy Smith and Wesley whoever help me with holiday loan.

Very happy with ACU. I was especially pleased with the customer service provided by Will in regards to my automotive loan. Couldn't ask for a better experience with a business representative. Thank you. read more

This institution is ridiculous. Their app never works as it is supposed to. you need 2 different passwords to access things. it is to complicated. Tried to make a electronic deposit with a check from my regular bank, scanned it 4 times and it never did deposit it. I just kept getting a "Oops something went wrong." finally gave up. When you do call, no one can give you a straight answer. It doesn't seem that they talk to one another nor take the proper notes on your account. One day I spoke with 4 different representatives and received 4 different answers for the same problem. Very frustrating to say the least. I would not ever send anyone to them for anything. I will be refinancing my vehicle as soon as possible. The hassle is just not worth it. read more

Never had any issues while going to Arapahoe Credit Union. Always greeted with friendly smiles and very helpful service. very happy with customer service that you get which now day is very hard to come by. read more

I have been a member of ACU for several years. On 3/21/23 I had the pleasure of meeting Andre F., Financial Service Specialist. Andre was able to resolve my problem very efficiently and provided excellent customer service. He is truly an asset to Arapahoe Credit Union! read more

i called to get my member number for a new loan as it was never provided to me. They had to ask me some questions, they were asking me questions about places I never lived at, so they would not give me the account number to set up online payments. The last name is different than mine? Do not bank here, something is not right. Horrible service! read more

Had an issue with my account, went online to try to solve it. The online chat guy helped a lot. He really got into solving my issue, took enough time but it was not super long! I couldn't be happier with this service! I'm glad I switched my account with them Can't be happier with their customer service read more

After 35 years as a member, I am no longer to do business with the credit union. We attempted to log in and update our account using the new system, but it was not possible without contacting a person for technical support. After being told that we did not have a sufficient connection (which was not true) and I did not understand (which was not true), we had to reveal both our log in and password to the person "helping" us, we were able to log in. The following day, I moved most of our money from our credit union account to our bank, where we have no difficulty accessing our accounts. read more

I just recently secured an auto refinance loan from Arapahoe Credit Union and could not have been more impressed with how fast and efficient the entire process was from start to finish. Even during a pandemic they managed to 'wow' me. I highly recommend ACU for all of your loan needs. read more

As a current customer, soon to be a former customer I would NOT recommend this credit union for any banking needs. My experience has been appalling. If you ever speak with Mike ask to be transferred right away! My payment was rejected by Mike and I was hung up on. Never have I seen this level of inadequacy from a business and it's employee. read more

Opening a credit card with ACU was fast and simple. Sierra was very friendly and answered all my questions

Thank you Sean, it is nice to know my concern was taken to heart and is being addressed. I appreciate the follow-up phone call yesterday from your Director and your response here. I hope this type of courtesy and professionalism can still be taught at that branch with its manager and her staff. read more

I have always been a credit union member since I was 16 years old. I joined ACU in 2007 and have been able to get both of my cars financed there as well as my home and a credit card. They are always so friendly and helpful. The bill pay system has to be my favorite piece. The e-bill feature actually receives my bill, knows how much I owe and sends a payment without me having to do anything. Such a relief to know I don't have to worry about due dates and late fees. And it files my bill and keeps it for me so I can eliminate all of the paper each month. I would recommend this place to anyone. I know they only have two locations but I use the service center feature if I'm not close so I don't have to worry about making a special trip to one of their branches. read more

I have been a member of this Credit Union for almost 30 years. All My adult children are also members. Up until recently I have been happy. My happiness with them however has declined tremendously. I work for a physician who hand writes her payroll checks, as she is old school. I have been working for her for 2 years. Arapahoe Credit Union has put a hold on a portion of my paycheck for 2 days and then they release the rest? With a long weekend holiday such as Thanksgiving the rest of my check did not clear until the following Monday, with this being said I had to wait an extra weekend and weekday to get the rest of my funds available. This is such a horrible thing to do is to hold a persons paycheck. I no longer value them and will be moving all my accounts else ware. I can't even get a call back from the branch manager to express my frustration. read more

Don't use this bank for a loan unless you are desperate. If you do, keep track of what they charge you. Three separate times the bank charged me for not having insurance on our camper. We've had insurance this whole time and they've had proper documentation of our insurance. I'm still disputing... read more

The customer service is outstanding, but the lobby area is small and awkward. I have been a customer for a few years and have a credit card through them. read more

Stopped using this bank due to personal/ financial issues. I called to try to resume services and was helped in the most respectful and professional employees ever. Love this bank and employees. read more

This place has been fantastic. I actually can transfer money externally, you just have to confirm you account to activate this feature online. I have no complaints about them, and they are always friendly and thorough. I trust them with my money. :) What really stands out about this branch is the outstanding customer service. Not only are guests promptly greeted with a smile but the employees here engage their customers in conversation. It's a very nice personal touch. The tellers and service staff are efficient on everything down to notary services. I always get great service when I go in, and the interest rate I got for my car loan was the best rate I could find after researching several options. I do hope they open more locations at some point. I highly recommend this branch for banking. read more

Recently, we travelled to another state for vacation and my Arapahoe Credit card was declined when we tried to rent a car. When I called ACU, they told me I have to let them know every time I travel so they can unlock my card. Wow, that is going to be fun. read more

My wife and I have 3 accounts with Arapahoe credit union since 2010 and the service and staff have been great!We just had a major problem with one account,but Scott McKerley resolved it within 24 hours! Thanks to Scott and Arapahoe Credit Union. read more