We’re non-profit, so our loans rates are always competitive.

Life can be demanding, so we’re here to help you keep up.  BCS Community Credit Union has a full line of loan products and services, all designed to help you achieve your dreams.

Quick and easy, from application to signing to funding.

Application is quick and easy by phone, online or in-person, and closing and funding can be a breeze with eDOCSignature, available for most loan types.

To apply by telephone during regular business hours, call our Loan Application line (303) 389-6440.

Loan Rates

Loans available:

In an effort to better serve our membership, BCS Community Credit Union uses “risk-based pricing” for all loans, so your loan rate is base on your Experian credit score. This enables us to provide loans to members who may otherwise have been denied under other loan plans. All rates shown as Annual Percentage Rate (APR), with approved credit.

Applying for a loan has never been easier. Apply online today!

Loan Rates

Vehicle Loans

City stop and go traffic, winding mountain highways, or secluded off-road trails — a BCS Community Credit Union auto loan is the perfect way to start your journey off with a smile.

BCS Community Credit Union offers competitive auto rates with flexible terms to meet your lifestyle, with approved credit:

  • New and Used Auto, RV, Motorcycle, Boat Loans
  • Up to 139% loan-to-value financing
  • Low fixed rates (Click here to view current rates)
  • Flexible terms up to 84 months, 120 months for RVs
  • No payments for up to 90 days
  • Available Extended Warranty Protection
  • Available GAP insurance protection
  • Available Debt Protection plans
  • Convenient automatic payments options
  • Auto buying advice, NADA values

Applying for a loan has never been easier. Apply online today!

Loan Rates

Personal Loans (Signature Loans)

You can use a BCS Personal Loan for almost any purpose, without collateral. Available in aggregate amounts from $500 to $20,000 with terms of up to 60 months and low, fixed rates on approved credit.  Just complete the simple application process to have your loan funded quickly, you cold even sign electronically.

Applying for a loan has never been easier. Apply online today!

Loan Rates

Lines of Credit

The unsecured line of credit gives you a revolving loan to provide cash when you need it, without additional loan applications.*  This open-end loan has a variable interest rate; the line of credit is available for up to 60 months with credit limits available from $500 to an aggregate balance of up to $20,000 with qualified credit.

Applying for a loan has never been easier. Apply online today!

*All open-end line-of-credit loans require a loan review at least every 5 years, and may require an updated loan application or other information.

Loan Rates

Credit Cards

A BCS Community Credit Union Visa Classic offers members much more than our excellent, low-interest rates, you’ll pay no annual, and low cash advance or balance transfer fees while benefiting from the convenience, security, and worldwide acceptance of a Visa credit card. Apply for your BCS Community Credit Union Visa Classic and start enjoying the benefits today!

You can now access your credit card information and make payments online by registering and logging in at www.ezcardinfo.com.


  • No annual fees
  • Security and activation programs to help detect fraud, especially for Internet or telephone transactions
  • Worldwide acceptance at millions of merchant locations
  • Access to more than millions automated teller machines
  • Minimum 25-day, interest-free grace period on purchases
  • Lost or Stolen Card Reporting Service at 800-991-4961
  • Transfer payments in-branch, by mail or with It’s Me 247 Online Banking

Applying for a loan has never been easier. Apply online today!

Loan Rates

Share Secured

Borrow your own money and SAVE. Build your credit profile with a lower interest rate and earn dividends at the same time. Your Share account is held as collateral for the loan. Terms and rates are based on loan amount and collateral type (i.e.: certificate of deposit, shares, etc.).

Applying for a loan has never been easier. Apply online today!

Loan Rates

Home Equity Line of Credit (HELOC)

Use the equity in your home to get it ALL done with no setup costs.*

To help pay for major expenses, a BCSCU home equity line of credit could give you the flexibility to:

  • Get access to cash when you need
  • Pay for home improvements or similar major expenses
  • Consolidate higher-interest-rate debt

With a home equity line of credit (HELOC), you can borrow as much or as little as you need up to your pre-set limit. You’ll have easy access to your money and only pay interest on the amount you withdraw and not the entire line amount.

Plus, there are no out-of-pocket costs to you in most cases (conditions apply), and with our 10/10 plan, you have 10 years to draw on the line of credit, and another 10 years for just for repayment. And payments are just 1% of the outstanding balance per month, so for example, a $30,000 balance is just $300 per month.

To learn more, call 303-425-6627 or apply online.

Home Equity Line of Credit Advantages:

  • Draw on your line of credit as needed up to the pre-set limit
  • Only pay interest on the balance and not the entire line amount
  • Interest is usually tax deductible

To get started, you may need these documents handy, along with additional information:

  • Personal information for everyone on the application
  • Income amounts from your job and other sources
  • Balance owed on current mortgage
  • An estimate of your property’s market value
  • Account numbers for existing BCSCU members

Restrictions and conditions apply, on approved credit.

*Minimum loan balance required.

Equal Housing Lender

NMLS# 420271

All rates listed are Annual Percentage Rate (APR).