Notice: All Sooper Branches will be closed Saturday, May 4th for an all-staff event. The Grand Junction Branch will close early at 4:00 pm Friday, May 3rd. Keep in mind, ATMs, online and mobile banking remain available 24/7.

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Routing: 302076017
Routing: 302076017
Routing: 302076017
Routing: 302076017

Credit Builder Loans

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Credit Builder Loan

The Credit Builder loan is a Personal Loan to repair bad credit or build initial credit history.

  • Enjoy a low monthly payment with a low interest rate with no fees to fit your budget.
  • Enjoy easy payment options such as payroll deduction or automatic transfers.
  • Open easily without money or credit history requirement.

How it works:

  • Loan proceeds are deposited into your Sooper Credit Union Primary Share Savings Account where the money earns interest while you pay back the loan.
  • Sooper Credit Union will report your timely payments to the credit reporting agencies and, once your loan is paid off, you’ll have built up a savings balance to continue reaching toward your financial goals.
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Secured Loans

A CD-Secured Loan locks a specific portion of your funds for a certain time period. Once the loan is paid in full, the CD funds become available to you once again.

Savings and CD-Secured Loans are reflected on your credit report, which offers a great way for members to build a positive credit history. Members with previous credit challenges can use this type of loan to help rebuild their credit.

  • Continue earning interest on Savings and Certificates of Deposit Accounts.
  • Pay no annual fee.
  • Pay no balance transfer fee.
  • Pay no cash advance fee.
  • Enjoy easy payment options including automatic transfer, automatic online payments, mail or personal payments in a branch.
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Count on competitive rates every day.

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Savings-Secured Mastercard®

  • Use the money in your savings account to secure your Sooper Credit Union Classic Mastercard.
  • With satisfactory management of your secured credit card, you may be eligible to switch to a regular credit card after 12 months.
  • Make your payments on time to build positive payment history.
  • We recommend using no more than 30% of your credit limit to build a healthy credit score.

For more information, read tips to improve your credit score.

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Let us know if you need more guidance and information.

Apply for a Loan

Manage your account worldwide with free Online and Mobile Banking and free eStatements. In the U.S. funds are accessible at nearly 30,000 surcharge-free CO-OP ATMs and over 5,600 CO-OP Shared Branch locations.


There is no charge for the Sooper Mobile Banking App; however, charges from your mobile service provider may apply.

At Sooper Credit Union, we are committed to providing a website that is accessible to the widest possible audience in accordance with ADA guidelines. We are working to increase the accessibility and usability of our website for all users. If you are using a screen reader or other auxiliary aid and you encounter difficulties using the website, please contact us at (303) 427-5005 or (888) SOOPER1 for additional assistance. Products and services available on this website are available at our corporate office located at 5005 West 60th Ave Arvada, CO 80003.

Sooper Credit Union Copyright © 2024

Insured by NCUA | Excess Share Insurance | Equal Housing Opportunity | NMLS# 422866

The ESI program provides up to an additional $250,000 of insurance once a credit union members’ balance exceeds the coverage provided by the primary share insurer (NCUA).


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