Options Credit Union

Littleton, Colorado
Last verified: August 4, 2026
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Verified rate book

Current Options Credit Union rates

37 published offers verified as of August 4, 2026.

How we verify rates

Auto & vehicle rates

1 offer
Options Credit Union auto & vehicle rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Auto Loanauto4.990% APR4.990%—Standard

Personal loan rates

2 offers
Options Credit Union personal loan rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Fixed Rate Personal Loanpersonal_unsecured_60mo10.750% APR10.750%60 moStandard
Personal Line of Creditploc_variable15.000% APR15.000%—Standard

Credit card rates

3 offers
Options Credit Union credit card rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Credit Cardcredit_card10.900% APR10.900%—Standard
VISA Credit Cards (B and C)credit_card14.900% APR14.900%—Standard
VISA Credit Cards (D and E)credit_card18.900% APR18.900%—Standard

Savings & CD rates

26 offers
Options Credit Union savings & cd rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Sub Accountsavings0.01% APY0.01%—Standard
Membership Sharesavings0.03% APY0.03%—Standard
Money Market Accounts ($2,500-$14,999.99)money_market0.05% APY0.05%—Standard
Money Market Accounts ($15,000-$49,999.99)money_market0.15% APY0.15%—Standard
Interest Options Checkingsavings0.25% APY0.25%—Standard
Money Market ($50,000+)money_market0.25% APY0.25%—Standard
High-Yield Options Accountsavings1.00% APY1.00%—Standard
High-Yield Options Account - $5,000-$9,999.99savings1.00% APY1.00%—Standard
High-Yield Options Account - $25,000-$44,999.99savings1.70% APY1.69%—Standard
High-Yield Options Account - $45,000-$99,999.99savings2.20% APY2.18%—Standard
Liquid Deposit Optionssavings2.70% APY2.70%—Standard
Premier Advantage Members (18 Months)cd_18mo2.90% APY2.90%18 moStandard
Premier Advantage Members (12 Months)cd_12mo3.00% APY3.00%12 moStandard
Premier Advantage Members (06 Months)cd_6mo3.20% APY3.20%6 moStandard
Premier Advantage Members (48 Months)cd_48mo3.35% APY3.35%48 moStandard
Premier Advantage Members (36 Months)cd_36mo3.35% APY3.35%36 moStandard
18-Month Certificatecd_18mo3.40% APY3.40%18 moStandard
Premier Advantage Members (24 Months)cd_24mo3.40% APY3.40%24 moStandard
12-Month Certificatecd_12mo3.50% APY3.50%12 moStandard
Premier Advantage Members (60 Months)cd_60mo3.60% APY3.60%60 moStandard
6-Month Certificatecd_6mo3.70% APY3.70%6 moStandard
48-Month Certificatecd_48mo3.85% APY3.85%48 moStandard
36-Month Certificatecd_36mo3.85% APY3.85%36 moStandard
24-Month Certificatecd_24mo3.90% APY3.90%24 moStandard
Locked Deposit Optionssavings4.10% APY4.10%—Standard
60-Month Certificatecd_60mo4.10% APY4.10%60 moStandard

Other rates

5 offers
Options Credit Union other rates as of August 4, 2026
ProductPublishedRateTerm / conditionStatus
Mechanical Coverage Loanother7.750% %7.750%—Standard
Holiday Optionsother7.750% %7.750%—Standard
Simply Saveother9.570% %9.570%—Standard
Options Loanother11.750% %11.750%—Standard
Freedom Loanother21.000% %21.000%—Standard

Auto loans available from 4.99% APR. Personal loan rates from 10.75% APR. Credit card rates from 10.9% APR. Savings and certificate yields up to 4.10% APY.

Source: RateAPI.dev, verified from Options Credit Union's official website

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About Options Credit Union

Institution facts reported to the National Credit Union Administration for Invalid Date.

Members
557
Assets
$5.4M
Founded
1979
Locations reported
1
NCUA charter
65111
Charter type
Federally insured state-chartered credit union

Services and member support

  • Online membership application
  • Online loan application
  • Electronic statements
  • Mobile check deposit
  • Mobile payments
  • Financial counseling
  • Credit-builder products

Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.

Other credit unions with branches nearby

Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby.

BellcoSouthwest · Littleton · CO · 80127Branch in the same ZIPCanvasLittleton · Littleton · CO · 80127Branch in the same ZIPColoradoLittleton · Littleton · CO · 80127-6345Branch in the same ZIPEntKen Caryl · Littleton · CO · 80127Branch in the same ZIPRed RocksRed Rocks CU Waterton Branch · Littleton · CO · 80125-8504About 6.3 miles awayPartner ColoradoPartner Colorado CU - Littleton · Littleton · CO · 80123-2974About 7.8 miles away

Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance.

Who Can Join Options Credit Union

Membership eligibility from Options Credit Union's own published criteria. How we verify this.

Membership via the Friends of the Foundation

  • AssociationFriends of the Foundation

Verified from Options Credit Union's membership page. Final membership determination is always made by the credit union.

Work at Options Credit Union?

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Frequently Asked Questions

What rates does Options Credit Union offer?

Options Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.

How often are Options Credit Union rates updated?

RateAPI verifies Options Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.

Where does RateAPI get Options Credit Union's rate data?

Rate data is collected directly from Options Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.

What are Options Credit Union's auto loan rates?

As of August 4, 2026, Options Credit Union offers auto loans from 4.99% APR.

What is Options Credit Union's personal loan rate?

As of August 4, 2026, Options Credit Union offers personal loans from 10.75% APR.

What is Options Credit Union's best CD rate?

As of August 4, 2026, Options Credit Union offers savings and certificate (CD) yields up to 4.10% APY.

Related Rate Data

Compare Options Credit Union's rates against national credit-union benchmarks.

More Colorado credit unionsAuto loan rate benchmarkPersonal loan ratesCredit card ratesHow we verify rates

Source Information

Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.

View Original Source

Methodology

Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.

View Methodology

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