More features in the palm of your hand.
From our Mobile Banking App, simply choose ‘My Cards’ to protect, control, and engage with your cards in a seamless digital environment.
Benefits You'll Love
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Easily view account information from anywhere.
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Use one convenient app to securely manage debit and credit cards.
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Enjoy an extra layer of protection while controlling card activity.
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Transfer funds, pay bills, or establish transaction controls for your cards.
Greater Card Protection
Our card controls offer more protection than ever, allowing you to lock and unlock your cards and limit transactions by location, merchant, and transaction type. You can report lost or stolen cards from the app and set up alerts to stay informed about how your card is used.
Enhanced Insights
Our handy list of subscriptions and who has your card on file gives you a clear picture of where your money is going. Easy to read graphs make understanding your spending habits simple, and details such as merchant names, logos, and contact information give you greater insight into your card transactions.
Ultimate Convenience
Add cards to digital wallets, get cash without your card, easily set travel plans to ensure your card is not declined, and even access your new card before receiving it in the mail. Plus, self-service options give you 24/7 assistance without calling a service number.
The new Aspen Mobile App is your ticket to card control, enhanced security, and convenience – all in one. Control your debit card and credit card usage with the phone in your pocket while saving time and gaining peace of mind.
- Add a layer of control and protection to your Aspen FCU debit or credit card
- Turn your debit or credit card on or off
- Establish transaction controls for dollar amount limits, merchant categories, and geographic locations
- Receive alerts when your debit or credit card is used or exceeds the transaction controls set by you
- Stay informed of potential fraud with alerts on attempted, and declined transactions
- Get your account balances in real time
- Single Sign-on from the Aspen Mobile App by clicking on "My Cards"
Get Started
Download the Aspen Mobile App from 
or 
to control your money more effectively.
- Fast, free, and secure service for members enrolled in online banking!
- Available to Aspen FCU members in the new Aspen Mobile App
- Easily keep track of your finances — even on the go:
- View account balances
- Review History
- Transfer funds between accounts
- Receive alerts
- Pay bills
- Available via any web-enabled mobile device
- Use this service in two convenient ways:
- Web browsing
- App download – |
Save valuable time and effort; avoid an extra trip to a branch
- Deposit checks anytime, anywhere from your mobile phone
- Free service for members with an Aspen FCU checking account
- Deposit your check with a few taps of your finger
- Take a picture of the front and back of your check, following the on-screen instructions (make sure you endorse it according to the instructions)
- Select the checking account into which you want to make the deposit
- Enter the check amount
- Verify that everything on the screen is correct, then submit it
- We'll confirm that the check has been received
- Save time, avoid unnecessary trips to a branch
Important: When you endorse your check for mobile deposit, please also write "For Mobile Deposit Only at Aspen FCU.”
Introducing Zelle® – a fast, safe and free1 way to send money to friends, family and other people you trust, wherever they bank1. Whether you’re paying rent, gifting money, or splitting the cost of a bill, Zelle® has you covered.
FAST
Send money directly from your account to theirs — typically in minutes1.
SAFE
Use Zelle® within the app you already trust. No account numbers are shared.
FREE
There are no fees to send money with Zelle® in our app.
Enroll today and send money to friends and family:
1. Log into the Aspen Federal Credit Union app.
2. In the main menu, select "Send money with Zelle®."
3. Enroll your email address or U.S. mobile number.
4. You’re ready to start sending and receiving money with Zelle®.
- Better manage your credit score with a comprehensive program
- Access free, full credit reports and monitor your score for changes
- Discover saving opportunities on your loans and credit cards
- Your score is updated automatically each month and can be refreshed daily
- Receive email alerts on any big credit score changes
- Service is completely FREE for Aspen FCU members and powered by SavvyMoney
How Do You Enroll?
- Sign into online banking.
- Once you’ve logged in you, check your normal account dashboard. See the graphic to the right? That is Credit Sense, powered by Savvy Money.
- Click “Check Your Score!”
Check out our video to learn more.
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Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificate can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Kasasa Cash*
| Balance | Dividend Rate | APY |
|---|---|---|
| 0 - $20,000 | 5.60% | 5.75% |
| $20,000+ | 0.25% | 5.75% to 1.17% |
| All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
Earning the full rewards is so easy, you're probably already doing it! Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least 12 debit card purchases, each greater than $4.99
- At least one direct deposit or ACH credit transaction
- Be enrolled in and agree to receive E-Statements
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM withdrawal fee refunds the very next month.
Kasasa Saver*
| Balance | Dividend Rate | APY |
|---|---|---|
| 0 - $100,000 | 2.96% | 3.00% |
| $100,000+ | 0.25% | 3.00% to 1.63% |
| All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
Qualifying for Kasasa Cash or Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases, each greater than $4.99
- At least one direct deposit or ACH credit transaction
- Be enrolled in and agree to receive E-Statements
It's no problem if you miss a qualification cycle. Both accounts are still free. And you can get back to earning rewards the very next month you qualify.
Loan Rates
We know every other website rate sheet has 35+ different rates, terms, minimums, maximums, year, make, model...you get the idea. Let’s make this easier and cut to the chase! Give us a call: (605) 342-7776 and speak with a Loan Officer today for your specific rate quote.
Here are a few common rates we currently offer:
- Auto/Recreational 5.30% APR*
- Home Equity Line of Credit 7.75% APR*
- Credit Cards 7.0% APR*
Advertised rates and terms are subject to change at any time without notice.
Aspen FCU offers a tiered-pricing program. This allows as many members as possible to obtain financing. Your individual rate will be determined by the type and/or age of collateral offered, length of the loan, and your credit history. We welcome your application!
Loan Payment Example: At 5.55% annual percentage rate (APR) for a 60-month term with 0% down, monthly payments are calculated at $19.18 per $1,000.00 borrowed.
*Not all borrowers will qualify for lowest APR or 0% down. To find out if you qualify, call Aspen FCU at 605-342-7776
*Home Equity Lines of Credit rates are variable and subject to change on a quarterly basis. Maximum APR not to exceed 18%
Share Certificates
| Term | Dividend Rate | APY |
|---|---|---|
| 6 Months | 1.00% | 1.00% |
| 12 Months | 1.99% | 2.00% |
| 18 Months | 2.14% | 2.15% |
| 24 Months | 2.19% | 2.20% |
| 36 Months | 2.23% | 2.25% |
| 48 Months | 2.48% | 2.50% |
30 Month CD Special 3.45% Dividend Rate 3.50% APY
14 Month CD Special 3.94% Dividend Rate 4.00% APY*
8 Month CD Special 4.43% Dividend Rate 4.50% APY*
6 Month CD Special 4.76% Dividend Rate 4.85% APY*
Some Restrictions Apply call 605-342-7776 for more details.
Penalty for early withdrawal.
