Credit union · NCUA insured
Peoples CU
A $73.7M credit union headquartered in Springfield, CO, with 3,578 members and 2 branches in Colorado. Best rates: CDs 3.58% and savings 0.75% APY.
Peoples CU Carrot Score
71
Carrot Score
Higher than 30% of U.S. banks and credit unions
#65 of 103 in ColoradoHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Peoples CU
Founded in 1956 as Springfield Coop Credit Union, Peoples Credit Union is headquartered in Springfield, Colorado.
The state-chartered institution expanded across Southeast Colorado and Southwest Kansas, including merging with Lamar Civic Federal Credit Union in 2016.
It provides agricultural and consumer financial services as a member-owned cooperative.
- Headquarters
- 125 Main St, Springfield, CO 81073
- NCUA charter
- 66155
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to residents of Baca County, Colorado.
- Membership is open to individuals within Stanton and Morton counties in Kansas.
- Membership is open to individuals residing in Prowers, Bent, Otero, and Las Animas counties in Colorado.
Cost to join
- Opening a new account requires a deposit of check or cash, along with a form of identification and Social Security number.
Branches
2 branches in Colorado
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Colorado
2 branches
Springfield area · 1
- Main officeMain office125 Main St, Springfield, CO 81073Directions
Lamar area · 1
- Branch office411 S Main St, Lamar, CO 81052Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 19.42% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.16% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.59% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $105 | $59 | — |
- CapitalNet worth ratio19.42%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.16%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.59%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$105Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Peoples CU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.