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Denver Fire Department Federal Credit Union Rates & Review April 2026

You can compare Denver Fire Department Federal Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.05%, 6-month share certificate rates at 3.60% and 3-month share certificate rates at 0.50%. Savings rates are at 0.15% and money market rates are at 0.35%. Mortgage rates on 30-year fixed loans are around 6.04%. All these rates can be compared to Denver Fire Department Federal Credit Union rates. MonitorBankRates evaluates the financial stability of Denver Fire Department Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.21%. Rates were last updated on 04/17/2026.

Denver Fire Department Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Denver Fire Department Federal Credit Union? Share your experience about Denver Fire Department Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Denver Fire Department Federal Credit Union.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 100/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
0.21%
Excellent Lower than avg
Denver Fire Department Federal Credit Union
Denver Fire Dept FCU
12 Lakeside Ln
Denver, CO 80212 7413
https://www.dfdfcu.com
Member NCUA

Denver Fire Department Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
Rapid Payoff Mortgages (RPM) - - 6.15% 15
Details $795 closing charge is subject to change at any time and does not include charges for a property appraisal if required. Property appraisal charges will be paid by the member. Rates and closing costs subject to credit approval and 80% loan to value (LTV) position on property, for primary occupancy only on single family detached residence, townhouse, and condo properties only. Property insurance is required, and flood insurance may be required.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%

Denver Fire Department Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Interest Only HELOC - - 3.50%
Details APR range is from 3.50% APR to 18% APR. Seven year draw period. Repayment term up to 10 years. Property insurance coverage is required. Flood insurance may be required.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%
Interest Only HELOC - - 18.00%
Details APR range is from 3.50% APR to 18% APR. Seven year draw period. Repayment term up to 10 years. Property insurance coverage is required. Flood insurance may be required.
Last Updated 04/11/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 0.21%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Denver Fire Department Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Denver Fire Department Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Denver Fire Department Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Denver Fire Department Federal Credit Union
Address 12 Lakeside Ln, Denver, CO 80212 7413
Phone 303-228-5300
Fax 303-228-5333
President Scott Simpson
CEO Michael Kerr
Full-Time Employees 16
Part-Time Employees 0
Branch Locations 2
ATM Locations 0
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (100/100)
Texas Ratio
0.21%
Return on Assets (ROA)
0.6328%
Return on Equity (ROE)
4.7346%
Non-Performing Loans Ratio (NPL)
0.06%
Total Assets
214,741,723
Total Amount of Shares and Deposits
184,762,377
Total Shares and Deposits < 1 Year
179,175,810
Total Shares and Deposits 1 3 Years
3,958,822
Total Shares and Deposits > 3 Years
1,627,745
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
29,204,576
Total Uninsured Shares and Deposits > $250K (F+J)
29,204,576
Total Insured Shares and Deposits > $250K (item 17 less item K)
155,557,801
Total Interest Expense (Sum of items 6 8)
2,189,843
Share Certificates
822
Number of Accounts for Share Drafts
4,618
IRA KEOGH Accounts
213
Number of Accounts for Regular Shares
7,367
All other shares
377
Money Market Shares
531
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
13,555,625
Total Liabilities
189,314,959
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews
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Frequently Asked Questions About Denver Fire Department Federal Credit Union

Is Denver Fire Department Federal Credit Union a safe place to deposit money?

Yes, Denver Fire Department Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 0.20845652285099%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Denver Fire Department Federal Credit Union operate?

Denver Fire Department Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Denver Fire Department Federal Credit Union?

Yes, to access services at Denver Fire Department Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Denver Fire Department Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Denver Fire Department Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Denver Fire Department Federal Credit Union offer online and mobile banking?

Most modern institutions like Denver Fire Department Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.dfdfcu.com.