About Us
About Us
See what makes Colorado Federal Savings Bank special
Colorado Federal Savings Bank, headquartered in Greenwood Village, Colorado, is a federally insured bank serving communities across Colorado and the United States. Originally chartered in 1990 as a savings institution, and acquired by new ownership in 2008, today Colorado Federal operates as a non-branch direct banking platform. In addition to offering traditional consumer banking savings products we provide unique real estate lending solutions to a variety of commercial clients.
To help us achieve our goal of becoming a leading real estate oriented financial institution we have built a close affiliation with Provident Funding Associates, L.P. one of the largest and most highly respected non-bank mortgage originators and servicers in the nation. By leveraging Provident Funding's expertise and 20+ year track record of success we have created a banking institution capable of serving the varied needs of real estate borrowers, investors and developers.
We are entrepreneurial, proactive and growth oriented and we look to serve customers of a similar mindset.
At Colorado Federal Savings Bank, we strive to meet the credit needs of the community within the greater Denver metropolitan area by working with local organizations to:
· Support the construction of desperately needed affordable housing in a rapidly growing and appreciating market
· Sponsor economic self-sufficiency and enhance homeownership in underserved areas
· Provide responsible and safe residential mortgage products that promote strength, stability and independence for borrowers and their families
· Invest in the community to revitalize/stabilize the geographical areas that we serve
· Foster long-term, individual financial security through financial literacy education
Some of the local organizations we have supported:
Habitat for Humanity of Metro Denver - Young Americans - Operation Hope - Friends of DHA - Denver Rescue Mission - Colorado Lending Source - Junior Achievement - Denver Kid, Inc - The Salvation Army - Midwest Housing Equity Group - Midwest Housing Development Fund, Inc. - Impact Development Fund
Provident Funding
Provident Funding, founded in 1992, is a leading private, independent mortgage company that originates and services residential mortgage loans. A firm commitment to a low-cost structure allows Provident to deliver industry-leading rates, regardless of the interest rate environment or other pressures. By passing cost savings on to its highly qualified borrowers, Provident Funding has earned the solid reputation in the industry as the "Mortgage Price Leader."
Click here to learn more about Provident Funding.
Provident Mortgage Trust
Provident Mortgage Trust operates as a private real estate investment trust affiliated with Provident Funding Associates and invests in residential mortgage loans and other mortgage related assets.
Click here to learn more about Provident Mortgage Trust.
PointServ
PointServ is a leader in the direct-sourcing of borrower financial documents. PointServ's PointCert technology provides mortgage lenders with borrower information in seconds, using strict security practices certified by an SSAE-16 II audit. PointServ helps mortgage lenders, bankers and financial institutions process loan applications more efficiently and typically with cost savings.
Click here to learn more about PointServ.
If you disclose sensitive information in a phishing attack, contact one of the three major credit bureaus listed below and discuss whether to place a fraud alert on your file. A fraud alert will help prevent thieves from opening a new account in your name. Click here for more information regarding Identity Theft and how to protect yourself....
Equifax
P.O. Box 740250
Atlanta, GA 30374
800-525-6285
Experian
P.O. Box 1017
Allen, TX 75013
888-397-3742
Transunion
P.O. Box 6790
Fullerton, CA 92634
800-680-7289
WHAT DOES COLORADO FEDERAL SAVINGS BANK DO WITH YOUR PERSONAL INFORMATION?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Information you provide to us on applications or other forms, such as your social security number, assets, liabilities and income.
- Information about your transactions with us, such as account balance, payment history, and parties to transactions.
- Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Colorado Federal Savings Bank chooses to share; and whether you can limit this sharing.
Does Colorado Federal Savings Bank share?
Can you limit this sharing?
For our everyday business purposes -such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes
No
For our marketing purposes -to offer our products and services to you
Yes
No
For joint marketing with other financial companies
No
We Don't Share
For our affiliates' everyday business purposes -information about your transactions and experiences
Yes
No
For our affiliates' everyday business purposes -information about your creditworthiness
Yes
Yes
For our affiliates to market to you
Yes
Yes
For non affiliates to market to you
No
We Don't Share
- Call877-484-2372and speak to a customer service representative
- Please print the PDF from the link at the top of this section and email:depositsupport@coloradofederalbank.com
Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Call877‐484‐2372or go towww.coloradofederalbank.com
Who is providing this notice?
Colorado Federal Savings Bank
How does Colorado Federal Savings Bank protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Additionally, our employees are bound by a code of conduct and ethics, and are educated on the importance of confidentiality and customer privacy. We restrict access to your personal information to those employees who have a business need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to protect your nonpublic personal information.
How does Colorado Federal Savings Bank collect my personal information?
We collect your personal information, for example, when you:
- Apply for an account or open an account
- Deposit money or transfer funds
- Apply for a loan
We also collect personal information from other sources, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only:
- sharing for affiliates' everyday business purposes — information about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choice will apply to everyone on your account—unless you tell us otherwise.
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies such as:
- Provident Funding Associates L.P., Provident Mortgage Trust Inc., Provident Asset Management L.P., Pointserv Inc., LenderVend LLC, Bayhill Software LLC and NewLogic Software LLC.
Non affiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies such as:
- Colorado Federal Savings Bank does not share with nonaffiliates so they can market to you.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Colorado Federal Savings Bank doesn't jointly market.
WHAT DOES COLORADO FEDERAL SAVINGS BANK DO WITH YOUR PERSONAL INFORMATION?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Information you provide to us on applications or other forms, such as your social security number, assets, liabilities and income.
- Information about your transactions with us, such as account balance, payment history, and parties to transactions.
- Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.
All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Colorado Federal Savings Bank chooses to share; and whether you can limit this sharing.
For our everyday business purposes -such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Does Colorado Federal Savings Bank share?
Yes
Can you limit this sharing?
No
For our marketing purposes -to offer our products and services to you
Does Colorado Federal Savings Bank share?
Yes
Can you limit this sharing?
No
For our marketing purposes
Does Colorado Federal Savings Bank share?
Yes
Can you limit this sharing?
No
For joint marketing with other financial companies
Does Colorado Federal Savings Bank share?
No
Can you limit this sharing?
We Don't Share
For our affiliates' everyday business purposes -information about your transactions and experiences
Does Colorado Federal Savings Bank share?
Yes
Can you limit this sharing?
No
For our affiliates’ everyday business purposes -information about your creditworthiness
Does Colorado Federal Savings Bank share?
Yes
Can you limit this sharing?
Yes
For our affiliates to market to you
Does Colorado Federal Savings Bank share?
Yes
Can you limit this sharing?
Yes
For non affiliates to market to you
Does Colorado Federal Savings Bank share?
No
Can you limit this sharing?
We Don't Share
- Call877-484-2372and speak to a customer service representative
- Please print the PDF from the link at the top of this section and email:depositsupport@coloradofederalbank.com
Please note:If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Call877‐484‐2372or go towww.coloradofederalbank.com
Who is providing this notice?
Colorado Federal Savings Bank
How does Colorado Federal Savings Bank protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Additionally, our employees are bound by a code of conduct and ethics, and are educated on the importance of confidentiality and customer privacy. We restrict access to your personal information to those employees who have a business need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to protect your nonpublic personal information.
How does Colorado Federal Savings Bank collect my personal information?
We collect your personal information, for example, when you:
- Apply for an account or open an account
- Deposit money or transfer funds
- Apply for a loan
We also collect personal information from other sources, such as credit bureaus, affiliates, or other companies.
Why can't I limit all sharing?
Federal law gives you the right to limit only:
- sharing for affiliates' everyday business purposes — information about your creditworthiness
- affiliates from using your information to market to you
- sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choice will apply to everyone on your account—unless you tell us otherwise.
Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies such as:
- Provident Funding Associates L.P., Provident Mortgage Trust Inc., Provident Asset Management L.P., Pointserv Inc., LenderVend LLC, Bayhill Software LLC and NewLogic Software LLC.
Non affiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies such as:
- Colorado Federal Savings Bank does not share with nonaffiliates so they can market to you.
Joint marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Colorado Federal Savings Bank doesn't jointly market.
Most current web browsers support secure data transmission. Secure data is encrypted via a security key so that unauthorized people cannot read it as it travels across the Internet. Our web server uses a 128 bit secure key to encrypt the data. While no web security can be absolutely perfect, we use the industry standard protocols.
Knowing that the Connection is Secure
All of the information on this website is secure. When you are visiting our website, there are a number of ways that you can tell if the page is secure.
1. Look at your browser's 'Address' or 'Location' bar. A secure page starts with "HTTPS://" instead of the usual "HTTP://".
2. Look at the bottom of your browser window. You should see either a lock or a key graphic depending upon your browser version. You can click on these graphics to reveal more security information and options.
Welcome to the website of COLORADO FEDERAL SAVINGS BANK. Your access to and use of the Website is subject to the following terms and conditions and all applicable laws.
Acceptance of the Terms of Use
The following terms and conditions (these "Terms of Use"), govern your access to and use of the COLORADO FEDERAL SAVINGS BANK website, including any content, functionality and services offered on or through the COLORADO FEDERAL SAVINGS BANK website (the "Website") whether as a guest or a registered user.
Please read the Terms of Use carefully before you start to use the Website. By using the Website, you accept, without limitation or qualification, and agree to be bound and abide by these Terms of Use and our Privacy Policy (as set forth in the U.S. Consumer Privacy Notice which is found above in our Privacy Policy (and incorporated herein by this reference). If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use the Website. By accessing and browsing this site, you accept the Terms of Use and acknowledge that the terms of any other agreements between you and COLORADO FEDERAL SAVINGS BANK that are contrary to these Terms of Use are superseded and of no force or effect.
Accessing the Website and Account Security
We reserve the right to withdraw or amend this Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.
You are responsible for making all arrangements necessary for you to have access to the Website and ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them. To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current and complete. You agree that all information you provide to register with this Website or otherwise, including but not limited to through the use of any interactive features on the Website, is governed by our Privacy Policy ( https://www.coloradofederalbank.com/Privacy.aspx ), and you consent to all actions we take with respect to your information consistent with our Privacy Policy.
If you choose, or are provided with, a user name, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to this Website or portions of it using your user name, password or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.
We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.
Reliance on Information Posted
The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
Your use of and browsing in the Website are at your risk. Neither COLORADO FEDERAL SAVINGS BANK or any of its agencies, nor any other party involved in creating, producing, or delivering the Website is liable for any direct, incidental, consequential, indirect, or punitive damages arising out of your access to, or use of the Website. WITHOUT LIMITING THE FOREGOING, EVERYTHING ON THE Website IS PROVIDED TO YOU "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. COLORADO FEDERAL SAVINGS BANK also assumes no responsibility, and shall not be liable for, any damages to, or viruses, or other harmful components that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the Website or your downloading of any materials, data, text, images, video, or audio from the Website. Please note that some jurisdictions may not allow the exclusion of implied warranties or the limitation of liability, so some of the above exclusions or limitations may not apply to you.
Any communication or material you transmit to the Website by electronic mail or otherwise, including any data, questions, comments, suggestions or the like is, and will be treated as, non-confidential and nonproprietary, unless otherwise specifically indicated on our Privacy Policy. Anything you transmit becomes the property of COLORADO FEDERAL SAVINGS BANK, and may be used for any purpose including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, COLORADO FEDERAL SAVINGS BANK is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the Website for any purpose whatsoever including, but not limited to, developing, manufacturing, and marketing products using such information.
COLORADO FEDERAL SAVINGS BANK assumes no liability for any action or inaction regarding transmissions, communications or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.
No Warranties or Representations
While COLORADO FEDERAL SAVINGS BANK uses reasonable efforts to include accurate and up-to-date information in the Website, COLORADO FEDERAL SAVINGS BANK makes no warranties or representations as to its accuracy. COLORADO FEDERAL SAVINGS BANK assumes no liability or responsibility for any errors or omissions in the content of the site. Calculations may not match actual mortgage figures due to rounding procedures, mortgage insurance, and other finance charges.
Intellectual Property Rights
The Website and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are owned by COLORADO FEDERAL SAVINGS BANK, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws. These Terms of Use permit you to use the Website for your personal, non-commercial use only. You must not access or use for any commercial purposes any part of the Website or any services or materials available through the Website. If you print, copy, modify, download or otherwise use or provide any other person with access to any part of the Website in breach of the Terms of Use, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by COLORADO FEDERAL SAVINGS BANK. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark and other laws.
Trademarks
Images of people or places displayed on the Website are either the property of, or used with permission by COLORADO FEDERAL SAVINGS BANK. The use of these images by you, or anyone else authorized by you, is prohibited. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.
The trademarks, logos, and service marks (collectively the "trademarks") displayed on the Website are registered and unregistered trademarks of COLORADO FEDERAL SAVINGS BANK. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the Website without the written permission of COLORADO FEDERAL SAVINGS BANK or such third party that may own the trademarks displayed on the Website. Your use of the trademarks displayed on the Website, or any other content on the Website, except as provided in these terms and conditions, is strictly prohibited. You are also advised that COLORADO FEDERAL SAVINGS BANK will aggressively enforce its intellectual property rights to the fullest extent of the law, including the seeking of criminal prosecution.
Prohibited Uses
You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website in any way that violates any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries). You also agree not to use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website or otherwise attempt to interfere with the proper working of the Website.
Monitoring and Enforcement; Termination
COLORADO FEDERAL SAVINGS BANK has the right to take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Website or terminate or suspend your access to all or part of the Website for (any or no reason, including without limitation,) any violation of these Terms of Use.
Governing Law
These Terms of Use and your use of this Website shall be governed by the laws of the State of Colorado exclusive of conflicts of laws principles. Venue for any action relating to this Website or these Terms of Use shall be located in Denver, Colorado. These Terms of Use are the entire agreement between you and COLORADO FEDERAL SAVINGS BANK concerning your use of this Website. If any provision of these Terms of Use is held invalid or unenforceable, the remaining provisions will remain in effect.