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Our Products

Share Accounts

Routt FCU savings accounts are a convenient method of keeping a cash reserve while enjoying a safe return on your money.

  • Initial share deposit of $15 with minimum $5 balance
  • Earns dividends with a minimum $1,000 balance

  • Payroll deduction deposits

  • Cash or check deposits

  • Insured to at least $250,000/member

Christmas and Vacation Club Accounts

Our club accounts are a great way to save money for the holidays, taxes and vacations.

  • No minimum balance of deposit

  • Account can be opened any time of the year (Christmas Club 12/1-11/1, Vacation Club 5/1-4/1)

  • Earns higher dividends than the regular share account

  • Payroll deduction deposits

  • Cash or check deposits

  • Funds are transferred to the regular share account November 1 for Christmas Club and April 1 for Vacation Club

  • Insured to at least $250,000/member

Certificates of Deposit

A nice way to diversify your investments with our best rates offered.

  • Minimum $1,000.00

  • 12-month term

  • Earns higher dividends than other share products

  • Insured to at least $250,000/member

Please refer to our rate and fee schedules for more details.


Routt Federal Credit Union provides a wide range of consumer loans at competitive rates to qualified members.

  • No application fee
  • One-time credit report fee
  • Terms up to 6 years

Please refer to our rate and fee schedules for more details.


Routt Federal Credit Union was chartered in 1964 and currently serves employees (spouses, children, and grandchildren) of the public school districts in Routt and Jackson Counties, NW Colorado BOCES, Colorado Mountain College in Routt County, UCHealth Yampa Valley Medical Center, City of Steamboat Springs, Northwest Colorado Health dba VNA, Discovery Learning Center, Mt. Werner Water & Sanitation, Lift-Up of Routt County, Casey’s Pond, Steamboat Ski & Resort Corporation, ACZ Laboratories, Twin Enviro Services, Routt County Government, Catamount Ranch & Club, and Old Town Hot Springs.

Routt Federal Credit Union

440 S. Lincoln Ave., B3
Steamboat Springs, CO 80487

Phone: (970) 879-2723

Mobile: (970) 879-2723

Fax: (970) 875-3925

Office Hours

9:00am – 4:00pm (Monday – Friday)


1:00pm – 2:00pm when scheduling requires