FAQ's

Frequently Asked Questions

Here are some of the most frequently asked questions (and answers) from Red Rocks members regarding accounts, membership or products and services.

If you cannot find the answer you are looking for, you can contact us using Live Chat, by emailing us or by calling us at 303-471-7625 during regular business hours.


Membership Information

Q: What are the requirements/qualifications to become a member of Red Rocks Credit Union?
A: Red Rocks' membership is available to anyone that lives or works in Douglas, Arapahoe or Jefferson County, Colorado. Members of Consumers United Association are also eligible. Learn more about Red Rocks Membership >

Q: Do I need to have a specific type of account at Red Rocks to get a loan?
A: Yes, all loan applicants should have a primary shares savings account with Red Rocks and maintain a minimum balance of $5. However, you do not need to be an existing member to apply for a loan. We will open your membership prior to the loan closing (if approved).

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Account Information/Access

Q: When are statements distributed to members?
A: Depending on the type of account you have with us, statements are mailed during the first week each month to members with a checking account and once per quarter to members with only a savings account. If you sign up for online statements, you receive your statement through online banking much faster (typically the first business day of each month).

Q: Other than visiting a Red Rocks branch, are there other ways to access account information?
A: Red Rocks features remote access to your account information using online bankingmobile banking, or telephone banking; all are available 24 hours a day, 7 days a week. Through these products you can check balances, transfer funds between accounts in your membership or see if a specific check has cleared.

You also have access to 30,000 surcharge-free Co-op Network ATM locations and 4,474 shared branch locations nationwide, no matter where you go...there we areSearch for your nearest ATM now.

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Deposit & Loan Rates/Information

Q: Does Red Rocks publish deposit and loan rates on its website?
A: Absolutely. See all rates here >

Q: Where can I find out the rate I am earning/paying on my Red Rocks deposit or loan product?
A: Your specific product's rate can be found in a variety of places on your statement, in online banking or on the deposit/loan documents that were provided to you when you opened that account. If you are having trouble finding your current rate, contact us and we can assist you.

Q: Is the loan rate for a new vehicle the same as a pre-owned vehicle?
A: Yes. Red Rocks' automobile loan rates are identical for new and pre-owned vehicles and based on approved credit and length of term. Contact us for details.

Q: Where can I send my payment for my Red Rocks loan?
A: If you do not wish to make your loan payment through our secure online banking interface, please mail your payment to the following address:

Red Rocks Credit Union
Attn: Loan Payment Services
8195 SouthPark Lane
Littleton, CO 80120

To ensure your payment is applied to the correct loan in your account, please be sure to include both your member number and the loan number on the payment for your Red Rocks loan.

Q: Where can I see how much interest (finance charge) I have paid on my Red Rocks loan?
A: There are several places to see this information. Sign in to Online Banking and you can view a summary of your interest by selecting the specific loan product in your summary. Or, you will see the total amount of interest paid on the loan each month in your online or printed statement.

Q: My first mortgage loan is being serviced by Midwest Loan Services. How can I access their Website to check my loan status or set up a recurring payment?
A: A convenient link to Midwest Loan Services' website can be found on this page.

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Online & Telephone Banking Services

Q: I am having difficulties logging into Red Rocks' online banking and I believe my username and password are correct. What can I do?
A: If you forget to sign out of online banking and then attempt to access your information shortly thereafter, the system may not allow you back in right away. Wait a few minutes for the system to log you out automatically (due to inactivity) and then try again. Don't forget to log in with your username, not your member number.

Q: Does Red Rocks offer online statements? How do I enroll in online statements?
A: Red Rocks offers free online statements through our online banking product. To enroll, simply sign in to online banking and select the E-Statement link at the top of the page. Each month, you will receive an email indicating your online statement is ready for viewing (typically on the first business day of the month).

Q: Does Red Rocks' online banking services provide email notifications?
A: Absolutely. You can set up your online banking profile to send you email notifications when a specific check has cleared, when an account reaches a specific balance, when a Certficate Account is ready to mature or when your online statement is ready for viewing. These features are customizable to your preferences and can be found in the User Options section at the top of your online banking page.

Q: Is Red Rocks' Online Banking compatible with financial software such as Quicken or MS Money?
A: Yes. Your Red Rocks account information can be set up to work with both of those financial software applications.

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Branch Hours/Locations

Q: Where can I find the address(es) for your Red Rocks branch locations?
A: See our locations and hours.

Q: I wish to use a Credit Union Service Center to make a deposit, withdrawal, or a loan payment on my Red Rocks account. Where can I find a listing of Credit Union Service Center locations?
A: You have access to 30,000 surcharge-free Co-op Network ATM locations and 4,474 shared branch locations nationwide. So rest assured you'll be able to find a Credit Union Service Center wherever you go. Search for your nearest ATM now .

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ATM/Debit/Credit Cards

Q: How do I report a lost or stolen ATM or Visa Debit Card?
A: Contact us immediately if your card has been lost or stolen.

Q: Where can I find a surcharge-free ATM that will accept my Red Rocks card?
A: You have access to 30,000 surcharge-free Co-op Network ATM locations and 4,474 shared branch locations nationwide. So no matter where you go...there we are. Search for your nearest ATM now.

Q: How long does it take to get an ATM or Visa Debit Card for my account?
A: The best way to get your debit card is visit us at our Town Center branch location during regular business hours. Red Rocks will instantly issue you a new Visa Debit Card while you wait. If you are unable to make it into our branch, we can also mail your new card to the address listed on your account. ATM cards can only be issued by mailed. Mailing your new card takes approximately 10 business days.

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Miscellaneous

Q: What is Red Rocks Credit Union's routing number?
A: Red Rocks' routing number is 302088092.

Q: Does Red Rocks offer notary services? If so, what is the cost and do I need to set up an appointment?
A: Red Rocks offers notary services to our members during regular business hours. You do not need to set up an appointment to take advantage of this benefit — stop by any of our branch locations and we will assist you. Fee may apply.

Q: What fees does Red Rocks charge for convenience services such as cashier's checks, etc.
A: View the fee schedule for details. Some fees are based on your relationship with Red Rocks. Get more information regarding our Relationship Program.

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