Options Credit Union Littleton CO | Affordable Vehicle Loans & Business Banking

Introduction

At Options Credit Union, we believe in building strong relationships with our members. Located at 5935 S Zang St, Littleton, CO 80127, our Coal Mine Branch has been serving the community since 1979. With a dedicated team of 2 employees, led by our CEO, Sherry Espinoza, and Board President, Tim Gaffigan, we are here to support your financial journey. With over 603 members and total assets reaching $4,694,970, Options Credit Union is not just about numbers; it's about people. We have provided approximately 388 loans and leases, helping individuals and families achieve their dreams. Our financial health is evident with a net worth of $437,488 and total deposits of $129,981. Moreover, we maintain a cash balance of $25,064, ensuring that we can meet your needs promptly. While members can visit us at our branch location for personal banking services including checking and savings accounts, auto loans, mortgage financing, and more official correspondence should be sent to the same address: 5935 S Zang St, Littleton, CO 80127. At Options Credit Union, our commitment goes beyond transactions. We strive to make a positive impact in our community by offering tailored solutions that meet the unique needs of our members. Whether you're looking to open a new account or need assistance with loans, we're ready to help you every step of the way. Feel free to reach out to us at 303-860-1117 during our operating hours from Monday to Friday between 9 AM and 5 PM. Join us in making the most of your financial future! Visit our website at Options Credit Union for more information or to get started today!

Branch History & Mission

Commitment to Innovation

We understand that today's world requires modern solutions. That's why we've embraced technology by offering online banking, mobile payments, and electronic signatures. These advancements ensure that banking with us is convenient and user-friendly for all members. Furthermore, we're proud of our commitment to ADA compliance so everyone can access our services without barriers.

Community Engagement

Our dedication extends beyond financial services; it involves actively participating in community initiatives that uplift our neighbors. From local sponsorships to educational workshops on budgeting and saving, Options Credit Union aims to strengthen ties within Littleton. As we look toward the future with optimism and determination, we invite you to join our growing family at Options Credit Union. Experience the difference that comes from being part of an institution that truly cares about your financial well-being and community progress. Visit us today or contact us at 303-860-1117 for more information about membership opportunities! Together, let's build a brighter financial future!

Our Mission

At Options Credit Union, our mission is clear: to provide exceptional financial services while fostering community growth and development. We are dedicated to helping our members navigate their financial journeys with confidence. Whether it's through personal banking options like checking and savings accounts or offering auto loans and credit cards with rewards, we aim to meet diverse needs while maintaining a strong customer-first approach. While members can visit us at 5935 S Zang St, official correspondence should be sent to 5935 S Zang St, Unit 4, Littleton, CO 80127 if you need to reach us by mail.

Branch Location & Accessibility

Accessibility and Parking

We understand that accessibility matters. Our branch is designed with features like ADA-compliant ramps to ensure everyone can visit us comfortably. Plus, there's ample parking available right outside, so you won't have to worry about finding a spot when you come in. While members can visit us at 5935 S Zang St, official correspondence should be sent to the same address. If you ever need assistance or have questions, don't hesitate to give us a call at 303-860-1117.

Operating Hours and Services

We're open Monday through Friday from 9 AM to 5 PM, making it convenient for you to drop by on your way to work or during your lunch break. At Options Credit Union, we offer a variety of services tailored to meet your banking needs. From personal banking options like checking and savings accounts to auto loans and credit cards with rewards, we have something for everyone. Additionally, our branch features an ATM for easy cash withdrawals and balance checks. While we don't offer drive-thru service, our friendly staff is always ready to assist you inside.

Visit Us Today!

At Options Credit Union's Coal Mine Branch, your financial well-being is our priority. We invite you to stop by and experience personalized service that truly makes a difference. Whether you're looking for advice on loans or simply need help with your account, we're here for you! Visit us today or call if you have any questions we can't wait to meet you!

Member Eligibility

Becoming a member of Options is like joining a friendly neighborhood where everyone looks out for each other. If you live, work, worship, or go to school in the Littleton area, you're already on your way to joining our community! We welcome individuals and families who share our values and want to benefit from our personalized services. To learn more about the specific eligibility criteria, feel free to check out this resource. Joining us is simple and rewarding. At Options, we offer a variety of financial products designed with your needs in mind, whether it's checking and savings accounts or loans for your next big purchase. Our members enjoy competitive rates and a supportive atmosphere that puts your financial well-being first. If you're ready to take the next step or have any questions, give us a call at (303) 860-1117 or stop by our branch located at 5935 S Zang St Littleton Co 80127. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Lending Solutions

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs. While we currently have no commercial loans issued, we are eager to help local businesses thrive by offering competitive financing options when you need them most.

Merchant Services

Managing day-to-day operations can be demanding. That's why our merchant services are designed to simplify transactions for you. Imagine accepting payments effortlessly, whether it's through credit cards or mobile payments, allowing you to focus on what really matters growing your business. At Options, we're dedicated to being a partner in your success. Whether you're just starting out or looking to expand, let us guide you through the financial landscape so you can reach new heights. For more information, give us a call at (303) 860-1117 or visit us online at https://www.optionscreditunion.com/ .

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about purchasing a new car? Our auto loans and vehicle financing options are designed with you in mind. We offer flexible terms and competitive rates to make sure you can drive away in the vehicle you desire without breaking the bank. Picture yourself cruising down the road in your dream car Options Credit Union is here to make that happen!

Business Banking Solutions

For our entrepreneurial members, we offer business banking services including merchant services and business loans. We recognize how important it is to keep things running smoothly while growing your business. Let us partner with you on this journey.

Convenience at Your Fingertips

At Options Credit Union, we also prioritize convenience with our ATM services available for cash withdrawals and balance checks whenever you need them. Plus, with features like online banking and mobile payments, managing your finances is just a tap away. We invite you to reach out to us at 303-860-1117 or visit our website at Options Credit Union to learn more about how we can assist you today! Join us in making financial management simpler and more accessible for everyone in Littleton and beyond!

Credit Cards with Rewards

Enjoy shopping? Our credit cards come with rewards that let you earn points for every dollar spent. Use them for everyday purchases and watch as rewards add up! It's like getting paid back for spending money wisely.

Mortgage Loans & Refinancing

If homeownership is on your horizon or if you're considering refinancing an existing mortgage, our mortgage loans can help turn those dreams into reality. Our experienced team will guide you through the process, ensuring you understand every step along the way. A warm welcome awaits as you settle into your new home.

Personal Banking Services

We understand that managing your finances can sometimes feel overwhelming. That's why we offer personal banking options such as checking and savings accounts tailored to fit your lifestyle. With competitive interest rates and user-friendly online and mobile banking platforms, keeping track of your finances has never been easier. Imagine effortlessly checking your balance or transferring funds from your phone while waiting in line at your favorite café.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans provide a quick solution for those times when you need extra cash. Additionally, if you're feeling weighed down by debt, our debt consolidation services can help simplify your payments and potentially lower your interest rates.

Digital & Online Banking

Key Features

Our online banking services at https://www.optionscreditunion.com/ provide you with essential tools for effective account management. You can view your account balances, transfer funds, and pay bills all from the comfort of your home or on the go. Plus, with 24/7 access to online banking, you can handle your finances at any hour that fits your schedule. Need to sign documents quickly? Our electronic signature authorization feature allows you to complete transactions without the hassle of printing and scanning. You can also opt for e-statements, which not only save paper but also let you review your statements with just a few clicks. For those who prefer using their smartphones, our mobile application is user-friendly and packed with features. You can make mobile payments easily and even send money to friends and family through person-to-person transfers perfect for splitting dinner bills or sending gifts.

Security & Accessibility

We prioritize your security while using our digital banking services. All transactions are protected with top-notch security measures, giving you peace of mind as you manage your finances. Whether you're checking your balance or making payments, rest assured that your information is safe. With Options's digital services, you have the flexibility to manage your finances in a way that suits your lifestyle. Embrace the convenience of modern banking today!

Financial Strength

Commitment to Growth

With $437,488 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $83 in used auto loans and $4,357,309 in total loans and leases.

Member Savings and Security

Members' savings are secured through $758,856 in share certificates and $798,653 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $350,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Member Trust

Total Share and Deposit Accounts: 1,071, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $0. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Options is your trusted partner. Visit us at 5935 S Zang St Littleton Co 80127 or call (303) 860-1117 to learn more about how we can help you achieve your financial goals.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 2 full-time employees and 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $437,488, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $932 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $1,016,584 in used vehicle loans and $1,006,468 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates to make car ownership accessible for everyone.

Credit Lines

For those needing additional flexibility, our total credit lines amount to $500,000. This option gives you access to funds when you need them most without the hassle of applying for a separate loan each time. If you're interested in refinancing options or checking your eligibility for any of our loan products, please reach out to us at (303) 860-1117. Our team is here to assist you every step of the way. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We look forward to helping you achieve your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $422,845, make buying or refinancing simple. We work with you to find the best solution tailored to your financial situation, ensuring that you feel confident throughout the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $388,199 in loans helping members manage their finances effectively. These cards come with various benefits that can suit your spending habits while providing an easy way to control expenses.

Loan Aggregator

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OPTIONS CREDIT UNION - Littleton, CO