Cedar Trust Credit Union · Member Owned Banking on the Front Range

Banking that belongs to you, not shareholders

Cedar Trust is a not for profit, member owned credit union on the Front Range. That means better rates on loans, fewer fees on everyday accounts, and real people who pick up when you call.

58,000+ members banking with us
across the Front Range
About Cedar Trust

Banking built around members, not shareholders

Founded in 1953, Cedar Trust was chartered to give Front Range families a fairer place to bank. Every member is an owner, so the profit we make comes back as better loan rates, higher savings yields, and fewer fees. Checking, savings, auto and home loans, credit cards, and online banking, all under one roof.

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Not for profit
Profits return to members as better rates and lower fees.
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Local and accountable
Loan decisions made by people in your community.
Part of a network you already trust
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How membership works

Everything you need in one membership

Join once and you are an owner. From there, your everyday banking, borrowing, and saving all live in one place.

  1. Step 01

    Join

    Open a membership with a $5 share and you become an owner of the credit union, not just a customer.

  2. Step 02

    Bank

    Free checking, savings that actually earns, and mobile banking for everything day to day.

  3. Step 03

    Borrow

    Lower rates on auto, home, and personal loans, with the decisions made right here.

  4. Step 04

    Grow

    Share certificates, money markets, and guidance to help your savings go further.

Placeholder image. A satisfied member.
What members say

Real progress, in members' words

I refinanced my truck and rolled two credit cards into one loan at Cedar Trust. My rate dropped, my payment dropped, and someone local actually walked me through the whole thing.

Marcus Delgado
Member since 2016

We came in for a mortgage and ended up moving all our accounts over. Checking, savings, the car loan, everything. It never feels like we are just an account number here.

Renée Whitfield
Member since 2011
Placeholder image. The mobile banking and planning app.
Digital banking

Bank anytime, from anywhere

Check balances, deposit checks, move money, and pay bills right from the Cedar Trust app. Everyday banking that fits around your life, not our branch hours.

  • Mobile check deposit
    Snap a photo to deposit a check, day or night.
  • Send and receive money
    Move money between accounts or send to friends with Zelle.
  • Cards on your terms
    Freeze a lost card, set alerts, and lock your debit card in seconds.
Explore digital banking
See what membership feels like

Banking that treats you like an owner

Take a two minute look at how joining Cedar Trust works, and what being a member owner actually gets you.

Become a member
From our blog

Financial know how, made plain

View all articles
Saving

How to build a starter emergency fund on any income

Priya Nair · March 4, 2026 · 5 min read

Read article
Home loans

Buying your first home: what to line up before you apply

Daniel Okafor · February 18, 2026 · 7 min read

Read article
Auto loans

Should you refinance your auto loan? A quick check

Sofia Reyes · January 27, 2026 · 6 min read

Read article
Ready when you are

Ready to bank with people, not shareholders?

Become a member in about ten minutes online, or stop by a branch and say hello. All it takes is $5 to open your share.