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.

Special Reserve Loan Details:

• Loan advances automatically in $100 increments into your checking account to cover items as they are presented.
• Requests for cash advances to your checking account can be made over the phone, using ATTIE, Online Banking, ATM or in person at any Credit Union of Colorado branch location.
• Special Reserve Loan payments are due on the 6th of every month and are set-up with automatic payments from your checking account.
• Interest is calculated daily based on the balance of the Special Reserve Loan. Click here for current rates

Click here to apply online. You may also apply over the phone by calling 303-832-4816 or 1-800-444-4816 or in person at any of our branch locations .

Loan Brochure [Click here to download a PDF]