Skip to main content
Home

Utility - Utility Menu

  • Branch Locations/ATMs
  • Rates
    • Deposit Rates
    • Mortgage Rates
    • Vehicle Loan Rates
    • Credit Card Rates
    • Other Loan Rates
    • Small Business Rates
  • About
    • Careers
    • Community
  • Contact Us

Header Second - Main Menu

  • Bank
    • Column
      • Everyday Checking
      • Savings
      • Digital Banking
      • Youth Accounts
    • Column
        Looking for Small Business banking? We can help.
      • Learn More
  • Borrow
    • column
      • Credit Cards
      • Home Loans
      • Vehicle Loans
      • Personal Loans
      • Small Business Loans
    • column
        Make a payment on your vehicle or personal loan here.
      • Pay My Loan
  • Grow
    • Investment Services
    • Certificates of Deposit (CDs)
    • Money Market Accounts
    • IRAs
  • Learn
    • Column
      • Article Topics
      • Managing Money
      • Owning a home
      • Buying a Car
      • Building Credit
      • Investing
      • Retirement Planning
      • Protecting your Account
      • See All Articles
      • Calculators
    • Column
      • Goals
      • Start Out on My Own
      • Manage My Finances
      • Reduce Debt
      • Support a Family
      • Make a Major Purchase
      • Plan for Retirement
      • See All Goals
      • Member Support Center
        Member Support Center

        We are here to help you with answers to common questions about everything from membership to our products and services.

Header Second - Action Menu

  • Become a Member

Special Reserve Overdraft Loan

Our Special Reserve Loan is a revolving line of credit that provides overdraft protection on your checking account and acts as an extra layer of safety in case you miscalculate your checking account balance. Any transaction including check, debit card, ATM, electronic bill pay or automatic debit requiring more funds than you have in your checking account will be covered up to your Special Reserve Loan limit. Loan advances automatically in $100 increments into your checking account to cover items as they are presented.

Apply Now

Here to Help

  • (800) 444-4816
  • Branch Locations/ATMs
  • Routing #: 302075128
  • Contact Us

Company

  • About Us
  • Careers
  • Community

Support

  • Lost or Stolen Cards
  • Digital Banking Help
  • Fraud Checklist
  • See All Topics
  • Forms

Become a Member

Ready to start getting the perks of membership? It’s easy to qualify and become a Member.

Become a Member

Credit Union of Colorado Foundation

Credit Union of Colorado Foundation

Our mission is to increase equitable access to educational opportunities that positively impact students and their communities.

Menu - Legal

  • Privacy Policy
  • Security
  • Disclosures
  • Equal Housing Opportunity
  • Credit Union of Colorado is federally insured by NCUA

Footer Bottom - Menu Social

  • Instagram
  • Linked In
  • Facebook

Mobile Nav - Main Menu

  • Bank
    • Column
      • Everyday Checking
      • Savings
      • Digital Banking
      • Youth Accounts
    • Column
        Looking for Small Business banking? We can help.
      • Learn More
  • Borrow
    • column
      • Credit Cards
      • Home Loans
      • Vehicle Loans
      • Personal Loans
      • Small Business Loans
    • column
        Make a payment on your vehicle or personal loan here.
      • Pay My Loan
  • Grow
    • Investment Services
    • Certificates of Deposit (CDs)
    • Money Market Accounts
    • IRAs
  • Learn
    • Column
      • Article Topics
      • Managing Money
      • Owning a home
      • Buying a Car
      • Building Credit
      • Investing
      • Retirement Planning
      • Protecting your Account
      • See All Articles
      • Calculators
    • Column
      • Goals
      • Start Out on My Own
      • Manage My Finances
      • Reduce Debt
      • Support a Family
      • Make a Major Purchase
      • Plan for Retirement
      • See All Goals
      • Member Support Center
        Member Support Center

        We are here to help you with answers to common questions about everything from membership to our products and services.

Mobile Nav - Utility Menu

  • Branch Locations/ATMs
  • Rates
    • Deposit Rates
    • Mortgage Rates
    • Vehicle Loan Rates
    • Credit Card Rates
    • Other Loan Rates
    • Small Business Rates
  • About
    • Careers
    • Community
  • Contact Us

Mobile Nav - Action Menu

  • Become a Member
(800) 444-4816