A penny saved is a penny earned.

— Benjamin Franklin

Whether you’re in your twenties or your sixties, it’s never too early — or too late — to plan for your future. And at BCS Community Credit Union, we have lots of ways to help. Meet with one of our Member Service Representatives to review Savings & Investment options:

For all stages of your life, a BCSCU Member Services Representative will make it easy for you to get more from your money.

NCUA Insurance Label

Savings Accounts

Regular savings accounts at the credit union are called “share accounts” because they represent a share of credit union ownership. When you save with your credit union, you become an owner, and you’re investing in the local community.

  • Minimum balance of $25 in your savings account is required to maintain membership.
  • Dividends are computed daily and credited monthly. The minimum required balance to earn dividends in a savings account is $50.00.
  • Access to your funds online, by mail, phone, ATM or in person.
  • You can open many unique regular savings accounts. Speak with a BCS Community Credit Union representative for details or do it yourself in It’sMe247 Online Banking.
  • Your savings are federally insured to at least $250,000 per member by the National Credit Union Administration, a U.S. Government agency.

For complete details visit our office or call one of our Member Service Representatives at 303-425-6627.

Savings Rates

Money Market

If you maintain a higher savings balance, enjoy easy access to your funds and want the benefit of earning more for your money, our Money Market account is the smart choice.

With tiered, above-market rates for balances above $2,500, you can put your money to work at a higher yield and liquidity.


  • BCS Community Credit Union pays among the highest rates around while providing liquidity.
  • Dividends are paid monthly.
  • Minimum balance of $2,500.
  • No term plus up to six no-fee withdrawals per month.

To open a Money Market Account, you must be a member of BCS Community Credit Union. Click on our online account application, visit our office, or call us at (303) 425-6627.

Savings Rates

Certificates of Deposit

Certificate Accounts are the best way to earn the highest yields on your savings. And with the flexibility of several CD terms to choose from, you can tailor your accounts to meet your financial requirements.

You can open a certificate account with as little as $500 and choose terms ranging from 6 to 60 months. Funds deposited into Term Certificates are “locked in” for the term that you select and the amount you choose to deposit unless you choose the Bump-up feature.

Take advantage of rising rates with the CD Bump-up Feature

With all Certificates of Deposit with a term of 36 months or more, the Bump-up feature allows you bump-up your CD rate once during its term, whenever you choose.  It’s like rate insurance for your CD.



  • Dividends are computed using the average daily balance method and paid quarterly.
  • Choose terms to fit your needs.
  • Renewed automatically at the current rate.
  • Easy automatic transfer option of dividends to your Checking or Membership Savings account.
  • Bump-up your CD rate as rates rise, once with your 36- 48- and 60-month Certificates.

For complete details visit our office or call one of our Member Service Representatives at 303-425-6627.

Savings Rates

Individual Retirement Accounts (IRAs)

Let BCS help you gain an edge on retirement or education expenses with a Credit Union IRA Account. You can open any type of tax-advantaged IRA account without set-up fees or annual maintenance costs.

Individual Retirement Accounts (IRAs) let you increase your pension and Social Security income with the possibility of enjoying a break on your taxes. You can reduce your current tax bill by deferring income tax on the dividends the account earns until you begin withdrawals, usually after you retire when your tax rate may be lower. All or part of the money you contribute may be tax-deductible, depending on your overall income and pension plan participation status.

Learn More: Traditional IRA vs. Roth IRA

We pay competitive dividend rates on the following IRA accounts:

Traditional IRAs 


  • Earnings on Traditional IRAs are tax-deferred.
  • Contributions may be tax-deductible, depending on your income and whether or not you have a qualified retirement plan.
  • Un-taxed IRA assets can generally be converted to a qualified retirement plan.
  • Funds can be withdrawn after age 59 1/2 without a tax penalty.
  • Distributions must be taken beginning at age 70.

Learn more: Traditional IRA Q & A

Roth IRAs

As long as you have earned income that does not exceed the prescribed MAGI limit you can open and contribute to a Roth IRA even after age 70.


  • Contributions may be withdrawn tax and penalty-free.
  • Earnings are tax-free.
  • Distributions are NOT required to be taken at age 70 1/2
  • Contributions are not tax-deductible.

Learn More: Roth IRA Q & A

Learn More: Converting Traditional IRA to a Roth IRA

Coverdell (Education) IRAs and SEP (Simplified Employee Pension) also available. To establish your IRA, call us at (303) 425-6627 or toll free at (877) 862-2728.

Learn more about IRAs


Savings Rates

Christmas Club

Enjoy the holidays and avoid the stress of going into debt with our Christmas Club Account. Just put a little bit away every month and when the holiday season arrives, you’ll have a nice chunk of change to spend without having to go into debt.

Open an account at any time during the year, we’ll help you arrange an automatic transfer from your BCS Checking or Savings account each pay day, or set up Debit Card Roundup, or both.

Here’s How It Works:

  • Each month the amount you wish to save will be automatically transferred from your Checking or Savings account into your Christmas Club Account.  Also, set up the Visa Debit Card roundup option to save every time you spend.
  • Competitive dividend rates are paid monthly on average daily balances of $25 or more.
  • On November 15th the entire balance including dividends will be transferred to the account of your choice.
  • Begin shopping and enjoy the holidays!

For more information visit our office or call one of our Member Service Representatives at 303-425-6627.

Savings Rates

Young Investors

BCS Community Credit Union has a savings program designed to help parents introduce their children to the world of personal finance. It’s a FREE savings program and it’s especially for kids!

Your child (or any relative under the age of 18) will have a savings account and learn to develop savings goals. All members will also receive and free ATM card and information on financial planning, money tips, the importance of good credit and preparing for college expenses.

Help your children take their first steps toward financial independence and responsibility. Call or stop by the credit union office today to open a Youth credit union account (*) today and assure their financial well-being tomorrow.

* Minor accounts require an adult joint member and come with certain restrictions (the minimum age to open a BCS checking account is 16 years of age).


Membership & Account Disclosure Booklet (PDF)