The RIO GRANDE OPERATING CREDIT UNION is the oldest credit union in the State of Colorado, established June 8, 1931 The credit union has approximately 2,200 members.

ELIGIBILITY: Employees and family members of the Union Pacific Railroad, and several other employer groups that have been admitted to the credit union.

MEMBERSHIP FEE: $50.00 to be paid with application - refundable when account is closed.


  • Savings Accounts
  • Money Market
  • Debit Card
  • Certificates of Deposit
  • Individual Retirement Accounts
  • Home Banking
  • Payroll Deduction
  • Direct Deposit
  • Consumer Loans
  • Loan Applications By Phone
  • Visa Credit Cards
  • 24-Hour Response On Loan Applications
  • Free Group Legal
Loan Qualifier
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DIVIDENDS: Dividends are paid monthly on all accounts. Share draft accounts receive monthly statements. All other accounts receive statements quarterly.

INSURANCE: Low cost life and disability insurance is available on loans.

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