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Our HistoryVintage Credit Unions

Credit Unions were conceived in mid-19th century Germany as the answer to a problem. That problem was that average people sometimes needed to borrow money, and borrowers were often in no position to protest the very high, often usurious, interest rates charged by lenders. The “answer” was that a group of people could form a voluntary financial cooperative where members of the group could pool their savings so that those funds could then be lent out to other members at reasonable rates of interest. The most important innovation of the credit union was to create a not-for-profit, member-owned model of finance, which opened up the possibility of affordable finance to its members.

With success in Europe, the credit union concept was imported to the Western Hemisphere just before the turn of the 20th century, where after some success in Canada, the first state-chartered credit union was established in Massachusetts in 1909.

In early 20th century America, many banks simply did not want to bother with small consumer loans for household appliances, farming operations, automobiles and the like, and so credit unions, with service rather than profit as their principal motivator, helped many Americans finance the American Dream. As a result of their important role and growing popularity over the first third of the 20th century, Franklin D. Roosevelt pushed for the Federal Credit Union Act, and won passage in 1934, ensuring that the benefits of credit union membership were opened up to the nation as a whole.

Delta County Federal Credit Union came about as the result of a merger of three separate credit unions – all of which had been serving niche parts of the Delta County Colorado community for many years. The oldest, but smallest of these three, was the Hotchkiss Community Federal Credit Union, which was formed by a cooperative of area farmers and ranchers and had served the Hotchkiss, Crawford and Maher communities since 1936. Delta Federal Credit Union had served the Delta and Surface Creek communities since 1951; while the largest of the three, Joint District 50 Federal Credit Union, had been serving the Delta County Joint School District #50 since 1958.

In 2001, the boards of the three separate cooperatives inked a plan to merge the three credit unions under the charter of Joint District 50 Federal Credit Union, and at the same time, change the name of the surviving institution to Delta County Federal Credit Union, while expanding the charter to expressly serve all those who live, work, worship or attend school in Delta County Colorado, and members of their immediate families.

Since this merger, the Delta County Federal Credit Union has grown significantly in members and assets, has established three modern banking offices, and has stayed current with modern banking technology, resulting in DCFCU becoming such a trusted financial partner in the community that in 2014 and 2015 we topped the Delta County Independent’s reader’s poll as “Best Financial Institution!”

Our Mission

Delta County Federal Credit Union offers products and services which meet the financial needs of our present and future member-owners; ensuring long-term prosperity in a manner consistent with high standards of quality, at the fairest price, in order to create the best possible value for our member-owners, and supported by a team with the highest degree of integrity. 

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