Who Can Join
Dividends & Funds Availability
Loan Rates
Current Openings/Employment
Privacy Statement

Welcome graphic

Denocos was established on October 9, 1957 to serve the employees of the Del Norte County Schools and their immediate families. For fifty plus years we have continued to limit our membership to this single common bond, adding only students attending public schools or community colleges in Del Norte County to our membership list since inception. By becoming a member you not only enjoy the benefits yourself, but enable us to provide a wider range of service, higher dividends and lower loan rates to all members. Every member benefits when you make Denocos your first choice for financial services. Click on the "Who Can Join" button to the left to learn more about our Field of Membership.

Share Accounts
Share accounts pay dividends based on the average daily balance in your account. You can make as many withdrawals as you like, although cash withdrawals are limited to $500.00 per day. Denocos offers a payroll deduction plan so saving couldn't be easier. Click on the "Dividends & Funds Availability" button to the left for more information.

Board of Directors
  • Ron Kunstal, President
  • Roy Krause
  • Kathy Imfeld, Credit Committee Chairman 
  • Tom Cochran, Investment Committee Chairman
  • Karen Pepiot, Supervisory Committee Chairman 
  • Kathy Emerson, Secretary 
  • Carol Mathews, Treasurer
  • Peggy Schager


Graduation Diploma and Tassels

Need Directions? Click Here For Mapquest

Value Your Vehicle Using Kelley Blue Book

Value Your Recreation Vehicle Using Nadaguides

Get Your Free Annual Credit Report

Member Loans

To see some of the best interest rates around just click on the "Loan Rates" button on the left. Interest rates vary based upon your credit score and the term of the loan so contact us by E-mail or phone or stop by the office for more information.
We also provide Skip Payment Options for the months of August & September or December.
Our Payroll Deduction Program eliminates the need to write checks and is a great way to save!
Shop with confidence and avoid high interest rates with our Pre-Approved Loan Program. There's no cost or obligation.
              ***New to our Site***
Interested in getting a personal or auto loan? Let us help you! You can print out everything you will need to accompany your application right here!
Got questions? Give us a call or stop in and we can help you complete your application process. 
Loan Application Cover Sheet
Loan Application
*Stop in and pick up an application today!
Supplemental Loan Application 
Leinholder Title Insurance Form
 Credit Consent Form
*California Law requires a spouse to consent to credit check,
even if spouse is not on the loan. Income and debt are used for both 
parties if applying jointly, and only debt is used if applying individually. 
Be sure to include Income for everyone applying for the loan. 
DNCUSD employees are eligible for Skip payments.
             *Payroll deduction required 
Summer (August & September) Skip Form 
December Skip Form 
Submit all documents by 5 p.m. on the 1st & 3rd Wednesdays to have
the board review on the 2nd and 4th Tuesdays of each month. 

1244 Glenn Street
Crescent City, Ca 95531
Phone: 707-464-5887
Fax: 707-465-5156
Hours: Monday-Friday 10:00am-5:00pm