Business Details
47 Years
experience
Your Trusted Partner for Financial Solutions in Littleton, CO
Founded in 1979 by members of the Denver Bar Association, Options Credit Union has evolved from a legal professional-focused institution to a community-driven financial cooperative serving Colorado. Our mission centers on delivering personalized financial solutions rooted in integrity, transparency, and service excellence. With over four decades of experience, we prioritize member needs over profit, offering competitive rates on loans, savings products, and insurance services tailored to individual financial goals. Our local expertise in Littleton, Colorado, ensures we understand regional financial needs while maintaining a commitment to innovation and accessibility.As a member-owned institution, we treat clients as family, providing tools like no-payment grace periods, refinancing options, and GAP coverage to protect investments. Our history of rebranding in 2016 as Options Credit Union reflects our dedication to flexibility and modern financial solutions. Through personalized service and a focus on community impact, we empower members to achieve financial stability and growth.
Services
Auto Loans
Motorcycle Loans
RV Financing
Personal Loans
Credit Cards
Credit Builders
Refinancing
Insurance Services
GAP Coverage
Mechanical Protection
Details
- Year established: 1979
Highlights and features
- We offer competitive APRs on auto, motorcycle, and RV loans starting as low as 4.74%.
- Our local team in Littleton, Colorado provides personalized financial guidance.
- No hidden fees with transparent loan terms and prepayment flexibility.
- Members gain access to insurance discounts and GAP coverage protection.
- Flexible refinancing options to lower payments or interest rates.
Services
Auto Loans
Options Credit Union offers competitive auto loans for new and used vehicles with APRs starting at 4.74%. Flexible terms up to 84 months accommodate various budgets, and members receive benefits like 45-day payment deferral. Our local team guides borrowers through pre-approval, dealership negotiation, and seamless financing.
Motorcycle Loans
Finance motorcycles with rates starting at 7.00% APR for terms up to 84 months. Available for new, used, and specialty models, these loans include refinancing options and GAP coverage to protect against depreciation. Members enjoy personalized service and insurance discounts.
Personal Loans
Unsecured personal loans with rates from 6.75% APR provide funds for debt consolidation, emergencies, or major purchases. Flexible repayment terms up to 60 months and quick approvals ensure access to cash when needed, with no collateral required.
RV Loans
RV financing options start at 7.25% APR for terms up to 120 months. Covering motorhomes, travel trailers, and campers, these loans include refinancing opportunities and mechanical breakdown protection. Minimum credit score requirements apply for terms over 63 months.
Credit Builders
Credit builder loans (5%-8% over certificate rate) help establish or rebuild credit history. Secured options require no minimum credit score, with terms up to 60 months. These low-risk loans report to major credit bureaus to improve member credit profiles.
Questions
How do I become a member of Options Credit Union?
Membership requires affiliation with partner organizations like the Denver Bar Association or joining Friends of the Foundation. Colorado residents can apply online.
What loan rates does Options Credit Union currently offer?
Auto loans start at 4.74% APR, motorcycle loans at 7.00% APR, and personal loans at 6.75% APR. Rates vary based on credit history and loan terms.
Can I refinance my existing loan with Options Credit Union?
Yes, we offer refinancing options for auto, motorcycle, RV, and personal loans to potentially lower rates or monthly payments.
What payment methods are available for loan repayments?
Payments can be made online, via mobile app, ACH transfer, or in-person. Recurring payments and automatic deductions are also supported.
Is pre-approval required before purchasing a vehicle?
Pre-approval is recommended to understand budget limits and strengthen dealership negotiation power, but not mandatory.
What insurance benefits do members receive?
Members access discounted auto insurance, GAP coverage for vehicle protection, and Route 66 mechanical breakdown warranties with roadside assistance.
