Photography by James Skadden and Alexis Hunt    
It's easy! It's fun! It's YOUR Credit Union!

On behalf of the School District 3 Federal Credit Union Team, we welcome you to our new website! With YOU in mind, we designed our website to make it easy for you to find SD3FCU products and services that will SAVE YOUR MONEY, MAKE MORE MONEY, PROTECT YOUR MONEY and SAVE YOUR TIME. We encourage you to explore the tabs and links!


Your Credit Union

Credit unions are simlar to traditional banks in the sense that both institutions offer financial products to customers. Credit union members, like bank customers, have access to checking and savings accounts, CDs, loan products, and credit cards.

However, credit unions differ from larger banking chains in TWO distinct ways:

  1. One key difference is that a credit union is a not-for-profit institution. Since credit unions operate as nonprofits, they can offer higher interest rates on savings accounts and CDs, and lower interest rates on loan products and credit cards.
  2. Another important distinction is that credit unions are member-focused institutions. A credit union is a cooperative, which means it is owned and operated by its members, as opposed to being owned by its stockholders, like a bank. Your initial membership deposit makes you a part owner of the credit uniton and gives you a say in the credit union's decisions.

CO-OP ATM Network and CO-OP Shared Branching were created by credit unions that have joined forces to give their members the kind of financial convenience traditionally available only from big banks. All with the savings and personal service you expect from credit unions. You can use 30,000 surcharge free ATM locations nationwide and 5000 credit union branches and over 2000 self-service Shared Branch locations as part of these CO-OP services. CO-OP also offers Shared Branching transactions through many 7-Eleven ATMs. To find a surcharge free ATM or Shared Branch location near you, check the Co-op link on the lefthand side of this page.

Because of this ownership structure, potential members have to meet membership requirements. Check the About Us link to see if you can join School District 3 Federal Credit Union.

Coming soon... the Chip Card!

How it works...

Merchants, such as a grocery store, may ask you to insert your card into the terminal or they may ask you to swipe the magnetic stripe.

If you're asked to insert the card, look for a slot on the bottom-front of the terminal and insert your card face up with the chip first.

Leave your card in the terminal until the transaction is complete.

The terminal will prompt you to sign or enter a PIN to validate your identity.

Take your card when prompted and don't leave it behind.


Loan Application

GM Credit Union Discount




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Copyright © 2015 School District 3 Federal Credit Union. All Rights Reserved.
1180 Crawford Ave. Colorado Springs, CO 80911

This site is not intended for persons under the age of 18. Linked sites are not sponsored by or controlled by School District 3 Federal Credit Union. School District 3 Federal Credit Union is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. Security and privacy policies of linked sites may differ from those practiced by School District 3 Federal Credit Union. School District 3 Federal Credit Union does not represent either the third party or the user if a transaction is entered into with a linked site.