San Juan Mountains

1400 E Main St, Montrose, CO 81401

NCUA Insured4.4 (35 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1958

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Montrose, CO may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1958

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness LoansCredit Cards

Location & Directions

Address

1400 E Main St

Montrose, CO 81401

Google Maps 🗺Waze

(970) 249-5319

Service Area

This credit union is located in Montrose and serves members in the CO area. Currently serving 3,379 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.18%

Used Auto Loan

5.80%

Personal Loan

9.58%

Credit Card APR

9.90%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in CO

Lowest rates currently reported by credit unions in CO (NCUA Q4 2025).

Horizons North— New Auto Loan

Westminster, CO

3.00%

Horizons North— Used Auto Loan

Westminster, CO

3.00%

Clean Energy— Personal Loan

Englewood, CO

2.99%

Horizons North— Credit Card APR

Westminster, CO

7.99%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(4 total)

Member Reviews

4.4

35 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Lisa Griffis Tasse (CO Tasse’s West 40’s)

3 years ago

This is a CO-OP Shared Credit Union! The 2 Tellers were so friendly and helpful with my Check Deposits from FL where we live. Professional location for all your needs!

Janece Bartholomew

12 months ago

Hate this place. I have a account there with a credit card. The credit card payment must be made in cash at their branch. No way to pay over the phone, it has to be in person. So I have my tax return check that is endorsed by my husband and myself. It is a colorado state refund, they w I uld not cash it, even though I'm going to use the cash to pay my credit card. Zero customer service.

LEWIS MILLER

4 years ago

Its a bank.they are a small business and not perfect but they have always fixed what ever the issue was and they are very kind and courteous while doing so. What do you expect. For yall giving 1 stars go ahead and bring me your money ill stuff it in my matress.

Alyssa Brooke

5 years ago

I've been with them 8 yrs. Whenever I come to the drive through I'm normally there for no less than 15 minutes because it takes forever to be seen and helped. They have taken money out of not only my account, but from my sisters without permission! They made a mistake by accidentally taking money out of someone's account instead of my sisters and made her pay it back! Instead of fixing their own mistake. I've never had a bank that I distrust as much as this one!

Bill Maddox

5 years ago

If you want a great experience with friendly service where they get to know you and not just an account number. You must check them out. They go above and beyond. They help you get what you want and if their is a better alternative they will let you know. Love this bank very personable and friendly