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Community Choice Credit Union Commerce City, CO

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Community Choice Credit Union Commerce City, CO Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Community Choice Credit Union Commerce City, CO provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

Community Choice Credit Union Commerce City, CO's Personal Loan Rates are as low as 11.20%. MonitorBankRates evaluates the financial stability of Community Choice Credit Union Commerce City, CO with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.30%. Rates last updated and verified on 09/23/2026.

Community Choice Credit Union Commerce City, CO 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 Community Choice Credit Union Commerce City, CO? Share your experience about Community Choice Credit Union Commerce City, CO by leaving a review below, or read customer reviews before you decide to use Community Choice Credit Union Commerce City, CO.

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.30%

Excellent Lower than avg

Health Trend

Very strong 11 quarters

Full history ›

Community Choice Credit Union Commerce City, CO
CCCU Main

6921 E 72nd Ave
Commerce City, CO 80022-2105

https://www.yourbetterbankingchoice.com/

Community Choice Credit Union Commerce City, CO Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New & Used Auto	-	-	4.69%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%

Community Choice Credit Union Commerce City, CO RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
Recreational Vehicle Loan	-	6.49%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%

Community Choice Credit Union Commerce City, CO Personal Loan Rates

Product	APR	Term	View More
Signature Loan	11.20%
Details As low as Last Updated 09/22/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.30%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Community Choice Credit Union Commerce City, CO’s Texas Ratio rose from 0.90% in Q2 2023 to 3.30% in Q4 2025, so its financial health has stayed very strong over the past 11 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
December 31, 2025	$97M	3.30%	5.0	A+
September 30, 2025	$96M	6.12%	5.0	A
June 30, 2025	$97M	5.19%	5.0	A+
March 31, 2025	$98M	3.70%	5.0	A+
December 31, 2024	$97M	5.18%	5.0	A+
September 30, 2024	$98M	1.23%	5.0	A+
June 30, 2024	$100M	1.57%	5.0	A+
March 31, 2024	$100M	1.07%	5.0	A+
December 31, 2023	$99M	1.78%	5.0	A+
September 30, 2023	$100M	0.27%	5.0	A+
June 30, 2023	$99M	0.90%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Community Choice Credit Union Commerce City, CO 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 Community Choice Credit Union Commerce City, CO 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 Community Choice Credit Union Commerce City, CO's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Community Choice Credit Union Commerce City, CO

Website https://www.yourbetterbankingchoice.com/

Address 6921 E 72nd Ave, Commerce City, CO 80022-2105

Phone 303-287-8025

Fax 303-287-5803

President Debra Larsen

CEO Rainy Thoen

Full-Time Employees 16

Part-Time Employees 0

Branch Locations 2

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (98/100)

Texas Ratio

3.30%

Return on Assets (ROA)

0.2000%

Return on Equity (ROE)

1.3559%

Non-Performing Loans Ratio (NPL)

1.23%

Total Assets

96,886,020

Total Amount of Shares and Deposits

78,004,702

Total Shares and Deposits < 1 Year

73,240,049

Total Shares and Deposits 1 3 Years

2,796,910

Total Shares and Deposits > 3 Years

1,967,743

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

6,960,467

Total Uninsured Shares and Deposits > $250K (F+J)

6,960,467

Total Insured Shares and Deposits > $250K (item 17 less item K)

71,044,235

Total Interest Expense (Sum of items 6 8)

1,058,221

Share Certificates

406

Number of Accounts for Share Drafts

3,710

IRA KEOGH Accounts

237

Number of Accounts for Regular Shares

6,587

Money Market Shares

526

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

17,076,009

Total Liabilities

81,430,908

Source: NCUA — Last Updated 12/31/2025

Customer Reviews

There are no reviews for Community Choice Credit Union Commerce City, CO yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Community Choice Credit Union Commerce City, CO

Frequently Asked Questions About Community Choice Credit Union Commerce City, CO

How many branches does Community Choice Credit Union Commerce City, CO operate?

Community Choice Credit Union Commerce City, CO 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 Community Choice Credit Union Commerce City, CO?

Yes, to access services at Community Choice Credit Union Commerce City, CO, 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, Community Choice Credit Union Commerce City, CO 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, Community Choice Credit Union Commerce City, CO provides members with tools to manage their accounts and build a solid financial history.

Does Community Choice Credit Union Commerce City, CO offer online and mobile banking?

Most modern institutions like Community Choice Credit Union Commerce City, CO 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.yourbetterbankingchoice.com/.