Account Services

Savings Products

Savings Account

Opening a Share Savings Account is the first step in establishing your membership with Fidelis Catholic Credit Union. By simply maintaining a $25.00 balance, you become a member-owner of Fidelis and are eligible to benefit from all the Credit Union products and services we offer. You can deposit and withdraw from this dividend-earning account as often as you'd like. And no matter where life may take you, as long as you keep the minimum amount in this account you will always be a member of Fidelis.

ATM-Only Card
If you don't have a checking account, but want to access the funds in your Fidelis savings account at ATMs around-the-clock and around-the-world, our ATM-only card may be the right option for you. This card only allows you to deposit and withdraw money from an ATM, and does not allow you to make purchases or other transactions.

For that younger person ready to learn about managing money in a virtual, plastic card world, a Fidelis savings account with ATM-only card is an excellent combination for them to start with, and help the adults in their lives monitor and mentor them. 

Share Certificates

Share Certificates are high yield term investments. With as little as $500 and terms ranging from 6 to 60 months, you'll earn on what you save on a monthly basis. Upon maturity, your Certificate will automatically renew for the same term at the current rate (unless otherwise specified). Certificates are a great option for earning money on what you save over a set period of time. Penalties for early withdrawal may apply.

Money Market Checking Account

If you are looking to earn high dividend rates on savings, but want funds to be easily accessible by check, consider a Money Market Checking Account. This account is a high yield savings account with check writing capability and offers tiered dividend rates.

Christmas Club Account

The Christmas Club Account allows members to accumulate funds throughout the year to save for holiday expenses. Members can make deposits anytime, including by use of convenient Payroll Deduction. Funds are transferred to the member's checking or share savings account on November 1st of each year.

To open an account, visit one of our office locations for more information or an application, call us at 303.424.5037, or email us.

Check Current Rates

Individual Retirement Accounts (IRA)**

When it comes to planning and saving for the future, we're here to help make our members' aspirations possible by offering Traditional, Roth and Educational IRA accounts that can be used towards retirement, investment or education goals.

An IRA (Individual Retirement Account) can be opened or contributed to at any time of the year, not just at tax time. Anyone with $3,000 of earned income can contribute up to $3,000 a year to an IRA. Spousal contribution up to $3,000 per year is also allowed. You can also roll over your 401(k) or other qualified retirement plan from your previous employer to a Fidelis IRA, all the while keeping the great tax advantages. (Special restrictions apply, consult a tax advisor for more information. Tax- and penalty-free when rolling over into a Traditional IRA.)

You may choose to invest in either IRA Share Accounts or IRA Certificate Accounts. IRA Share Certificates can be opened with as little as $500! Members may transfer IRAs from other institutions to Fidelis.

Catch-Up Contributions

For taxable years beginning in 2004, individuals who have reached age 50 by the end of the year are able to make additional catch-up contributions of $500 per year to their Traditional or Roth IRA. For taxable years beginning in 2006, the additional catch-up amount increases to $1,000.*

Traditional IRA

Funds can be withdrawn without an IRS penalty if used for higher education purposes or first-time home purchases. Income limits for deductibility are being raised over the next several years, making more people eligible for fully deductible contributions. Deductibility for contributions for one spouse no longer depends on whether or not the other spouse is covered by a pension plan.

The annual contribution limit increases to $3,000 in 2004, $4,000 in 2005 and $5,000 in 2008. After 2008, the contribution limit will be adjusted annually for inflation in $500 increments. The annual limit applies to any combination of IRA plans other than ESA. Contributions are fully taxable if you are not an active participant in an employer retirement plan. Otherwise, phase out rules apply. Investments grow on a tax deferred basis. Earnings are taxed only upon withdrawal.* Limits on the adjusted gross income.

Roth IRA

This IRA was named after Senate Finance Committee Chairman William Roth. In a Roth IRA as long as you earn income, you can establish and contribute to a Roth IRA even after age 70. While the contributions won't be deductible on federal income tax return, there is a potentially greater tax benefit. Money left in the Roth IRA for at least five years and withdrawn after age 59 1/2 will not be taxed, no matter what tax bracket or income level.

By converting your IRA to a Roth IRA, you can enjoy tax-free withdrawals. However, the amount you convert is subject to income tax and penalty.*

Coverdell Education Savings Account

A Coverdell Education Savings Account (ESA), formerly Education IRA, is a great way for parents, grandparents and others to help meet the rising costs of a student's education.* Funds may be withdrawn, tax free, for higher education purposes. Deposits must be made before the student turns 18 and disbursed by age 30. For taxable years beginning in 2002, the annual contribution amount has been increased from $500 per beneficiary to $2,000 per beneficiary. While there is no tax deduction for amounts contributed to an ESA, earnings grow tax-free. And your ESA can be used to pay qualified elementary school and secondary school expenses as well as those for higher education.*

Check Current Rates

Contact Member Services at 303.424.5037 x104 or x105 to learn more about today's IRA and ESA.

*This is not intended to provide tax advice. Please contact your tax professional for advice.
**Annual maintenance fee applies.

Checking Products

At Fidelis, we believe banking should be as hassle-free as possible, especially when it comes to checking accounts. That's why we offer our members two simple options so you can focus on more important things.

Share Draft Checking

  • Regular Checking
  • Unlimited check writing
  • No annual fee EMV VISA Debit Card
  • Free online access to your account via online banking

Checking with Direct Deposit

With direct deposit into your checking account you enjoy:

  • No minimum balance
  • No monthly service fee
  • Unlimited check writing
  • No annual fee EMV VISA Debit Card
  • Free online access to your account via online banking

Money Market Checking Account

If you are looking to earn high dividend rates on savings, but want funds to be easily accessible by check, consider a Money Market Checking Account. This account is a high yield savings account with check writing capability and offers tiered dividend rates.

Overdraft Line of Credit

Add an Overdraft Line of Credit to your Checking Account and give yourself the peace of mind that you have an extra line of defense when you write a check or use your Debit Card. Click here to learn more.

EMV VISA Debit Card

A Fidelis EMV-enabled VISA Debit Card allows you to access your checking account virtually anytime, anywhere, without the hassles associated with writing a paper check and with the security of an EMV chip. Debit Cards look just like a credit card but acts like a check. It can be used in place of paper checks at grocery stores, department stores, restaurants and anywhere else VISA is accepted.

To change the PIN on your ATM or Debit Card
Call 866.297.3411 and provide your current PIN. If you don't have your current PIN, you can get a temporary PIN by calling or coming into the main branch.

Lost or Stolen VISA Debit Card & ATM Card
To report a lost or stolen card during business hours (Mon, Tues, Thurs: 9am-5pm or Wed: Fri - 10am-6pm), please call 303.424.5037 x120. Outside of business hours, please call 800.543.5073.

 

Investment Service

James Wertz is a well-known and respected financial consultant in the Northern Colorado area. With over 6 years of experience in the financial industry, James has built his reputation by helping educators, small business owners, and individual investors plan for their financial future. James was born and raised in Fort Collins, CO. He enjoys golf, fishing, and spending time in the outdoors. He lives in Johnstown, Colorado, with his wife, Kelsey, and their daughters, Rylee and Bailey. James looks forward to helping members achieve their individual financial goals. For more information or to set an appointment please contact him at james@everwealthcollab.com or 800-755-0368. Visit his website at everwealthcollab.com.

You can always check on the background of your financial professional on FINRA's BrokerCheck website.

Disclaimer:Registered Representative offers Securities and Advisory Services through Independent Financial Group LLC, a Broker/Dealer and a Registered Investment Advisor, member FINRA/SOPC. Evergreen Wealth Collaborative, Fidelis Catholic Credit Union and Independent Financial Group are not affiliated. Investments are not federally (FIDC/NCUA) insured, not bank or credit union insured, may lose value.

Business Accounts

Changes to regulations regarding business accounts. Click here

Our goal is to support your business as it grows and develops.

A key ingredient for business success is a good relationship with a financial institution. When you need business checking services, we hope you'll choose ours. You'll receive great benefits like these:

Business Savings

The Business Savings Account is the first step in establishing a Business membership with Northwest United Federal Credit Union. By simply maintaining a $25.00 balance members are eligible for a business checking, and access to our other Business Services.

Business Checking

Whether you own a retail establishment, are a sole proprietor, or simply looking to set up an account for your local club or organization you can count on your credit union to provide top-quality, personalized service in an easy-to-use checking account. If you're familiar with the high fees commonly found at a bank - you'll love a Northwest United Business Checking Account.

Non-Profit Checking: This is a checking account specifically for our community's non-profit clubs and organizations. This account features small to no monthly fees depending on the average balance during the month. (See Rate and Fee Schedule) **link**

Business Checking:  This account features small to no monthly fees depending on the average balance during the month. (See Rate and Fee Schedule) **link**

If you would like to open an account, please call or stop in at one of our local branches for detailed information and requirements.

Business Services

Partner Services

Northwest United Federal Credit Union takes pride in our affiliations that make your life easier. Our goal is to support your organization as it grows and develops. Take a look and see if any of these services can help you!

Retirement and Investment Planning
Goodwin Financial, James Wertz (970) 223-2377
Vehicle Services
Automotive Avenues (303) 235-2628
AutoTrek (719) 339-0735
Merchant Processing for Credit Cards - Power Pay (303) 424-5037
Harland-Clarke - Business Checks and Supplies (800) 503-2345

Added Employee Benefit

By becoming a Member Group of Northwest United Federal Credit Union will give your company a powerful and unique product to add to your benefit package. You can help your employees build better lives by providing a safe place for members to put their savings and access loans at reasonable rates. And best of all it is FREE to your company.

Insured Funds

Funds on deposit at Northwest United Federal Credit Union are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. The NCUA has stronger backing per dollar than either of its counterparts, the FDIC (insuring banks) and FSLIC (insuring savings and loans). Nothing in life is certain, but it is nice to know that your money has the strongest protection available.

Other Services

Besides our convenient share accounts, competitive loan terms and friendly service, Fidelis offers a variety of convenient and useful services to better serve the financial needs of our member-owners.

  • Certified and Credit Union Checks are offered to members. All requested funds must be available in the member's account for the Credit Union to issue these checks.
  • Money Orders are available to both members and nonmembers. There is a fee for this service.
  • Notary Service is offered FREE to all Fidelis members.
  • Medallion Signature Guarantee service is available for transactions up to $250,000.
  • Wire Transfers are available for our members to send and receive funds. We offer domestic, Western Union and international wire transfers.

Please refer to our Fees section for applicable charges.

With Direct Deposit members no longer have to rush to the credit union on payday to deposit their paycheck.  Fidelis’ Direct Deposit service allows member to have their net paycheck (or a portion of it) safely deposited into their Fidelis account electronically. This includes any recurring government checks such as social security, military retirement, veteran’s administration compensation, and pensions. Through Direct Deposit/Payroll Deduction members can also have a portion deposited into a spouse and /or child’s account. It is an easy way to build up your savings or make loan payments.

Benefits of using Direct Deposit:

1. Funds are safer.
Each year more than four million paper paychecks are lost or stolen. In comparison, the Social Security Administration reports that since it began using direct deposit to electronically send benefit checks, not one electronic payment has been lost.

2. Members will love the convenience.
With Direct Deposit, you can rest assured your funds will make it into your Fidelis account even when you can't make it into the Credit Union. Whether you're on vacation or just ready to start your weekend, you will no longer have to worry about depositing and having access to your funds.

3. Signing up is easy.
Simply download the Direct Deposit Form, complete it and provide it to your employer. If you have any questions, please contact us. You may need to provide our Routing and Transit number, 307074441, to your employer in order to setup a Direct Deposit.

With nearly 5,000 branches and over 30,000 ATMs, the credit union CO-OP Shared Branching and ATM Network is a free service provide to our members allowing you to conduct your Fidelis banking transactions at other credit union locations nationwide. So no matter where you are, you can find a CO-OP Shared Branch or ATM near you to conduct such transactions as:

  • Deposits
  • Withdraw funds
  • Transfer funds between accounts
  • Balance inquiries
  • Process loan payments and advances
  • Purchase traveler’s checks, official checks, and money orders at select locations (availability of service and fees vary at each location)

So when you're not near one of our branch locations or ATMs you can have peace of mind knowing that no matter where life may take you, Fidelis is there for you.

Find an ATM    Find a Branch

Please Note: For security reasons there are limitations to the amount of cash that members may withdraw daily.
Funds Availability Policy: Availability of funds deposited to your account will depend on your credit union’s
policy. Funds may not be immediately available. Identification and your account number is necessary for each transaction to eliminate the possibility of fraud

At Fidelis, we are always looking out for you, our members—your financial well-being, as well as your financial and personal safety. So this page is meant as a resource for you to visit from time-to-time to learn about current scams and other security situations surrounding your financial information, as well as how Fidelis plays a role in your protection.

To start off, we want to share a few points with you from our end of protecting your safety, and suggestions to help you do so as well.

  • Fidelis will never sell or share your information with any unnecessary third party companies or vendors
  • We will never ask you for highly sensitive information such as your Social Security Number, account numbers, etc. via email or any other non-secure virtual means
    • If you receive communication via these channels asking you for this type of information, it's most likely spam and we ask you to contact us directly as soon as possible
  • When you are reaching out to us via email or any other non-secure virtual means, please do not share highly sensitive information such as your Social Security Number, account numbers, etc.
    • You may share with us your phone number, address, etc. if you are certain you are communicating with us directly, but we suggest not listing or sharing any personal information if you are looking to communicate with us via non-secure virtual means. We will directly contact you should we need this kind of information from you.
    • To report any suspected fraud or to notify us before traveling to avoid blocked transactions, please click here to contact us
  • Cyber Security Tips
    • Avoid unkown links and attachments - Be very careful of websites, ads, and emails promoting free or discounted prices, and make sure to not click on any links or attachments you don’t trust.
    • Check for https - When making online purchases, be sure the website is using the “https” protocol to confirm your information is secure.
    • Update Software - Keep all of your anti-virus software, browsers, and plug-ins up to date.
    • Watch out for WiFi - Be wary of the wireless networks you connect to while traveling. Connecting to a compromised network can lead to theft of your credentials and other personal information.
    • Password Protect Devices - Be sure to secure mobile devices with a PIN or password. Devices left un-attended and without a password are easy targets for criminals.
  • At ATMS
    • Be aware of your surroundings
    • If it looks like someone has tampered with the equipment, don’t use it
    • If a suspicious person offers to help you use the ATM, refuse and leave
    • Put your money and ATM card away before you leave the ATM
    • Always avoid showing your cash and always verify that the amount you withdrew or deposited matches the amount printed on your receipt
    • Shred or destroy your ATM receipts before you throw them away
  • For Debit, ATM and Credit Cards
    • Report lost or stolen cards immediately
    • Sign your card on the signature panel as soon as you receive it
    • Don’t leave your credit cards in your car’s glove compartment as a high percentage of credit card thefts are from car glove compartments
    • Keep your cards away from things with magnets, which can erase the information stored on the card’s magnetic strip
  • PIN Safety
    • Never write down your personal identification number (PIN), especially on the back of your card — instead memorize it
    • Don’t write down your account number and PIN and carry it with you because if your wallet or purse is stolen, someone else could have access to your money
    • Never tell anyone your PIN
    • No one from Fidelis, the police or a merchant should ask for your PIN
    • When selecting a PIN, avoid picking a number that is easy for others to guess — for example, your name, telephone number, date of birth, or any simple combination of these
    • When typing in your PIN at the ATM or when making a point-of-sale purchase, cover the number pad so no one near you can see your PIN
    • Change your current PIN from time-to-time to make it more difficult for fraudsters to guess
  • ID Theft & Fraud

NCUA Fraud Prevention Center
The National Credit Union Administration (NCUA) now provides a wonderful resource for credit union members covering a variety of frauds and scams, identity theft and online security information and protection measures. Click here to surf around this informative and very helpful personal and financial protection tool.

Get Smart On the Web
A great resource for protecting yourself and your information online is Get Smart On the Web. The SmartOn Series is like your Internet owner’s manual: the place to learn the most useful intel and tips from Mozilla policy peeps and programmers. Click here to learn more.

Where To Get Your Credit Report
Equifax Visit website 1.800.685.1111
Experian Visit website 1.888.397.3742
TransUnion Visit website 1.800.888.4213

 

Fidelis Members Can Belong to the CUA

Based on the premise, we can do more together than we can individually, the Consumers United Association (CUA) was originally created by a group of Colorado credit unions to serve as an advocate for consumers and to provide education on issues related to their financial well-being.

Consumers United is a nonprofit association made up of people, credit unions, and corporations who are dedicated to educating consumers on financial issues which impact their personal lives. We offer services and resources to aid consumers in the resolution of consumer problems and provide a united voice for consumers in the legislative arena.

CUA members receive many benefits through this unique association, including:

  • An opportunity to voice their opinions on current issues which impact consumers' personal finances
  • Assistance in resolving consumer problems through useful materials and personal mediation
  • The opportunity to participate in special events such as workshops, live Internet chats
  • A regular newsletter focusing on consumer-oriented, financial-related topics
  • The ability to provide input to the Consumers United legislative efforts
  • The option to join a credit union of their choice

By becoming a CUA member, you will have the power to make informed consumer decisions, a forum in which to air and resolve problematic situations and the ability to have a say in legislative decisions which affect you.

As a Fidelis member you can join Consumers United for a low membership fee of only $5.00 annually, or a onetime $25.00 fee for a lifetime membership and benefit from :

  • Free seminars on financial issues
  • Access to an online resource library related to consumer issues
  • Help in resolving consumer complaints
  • An informative newsletter
  • And much more!

Go to cuamember.org to learn more and to join. Once you've joined and created a sign-in, you can begin enjoying the benefits of Consumer United membership.

Join Now

Uniting Your Faith and FinancesTM