Clearview Federal Credit Union

What Clearview Federal Credit Union does

Clearview Federal Credit Union is a federally chartered, not-for-profit cooperative financial institution headquartered in Moon Township, Pennsylvania, serving members across southwestern Pennsylvania. Founded in 1953 and recognized as Pittsburgh's largest credit union, Clearview operates 27 or more financial centers and holds approximately $2.1 billion in total assets. Its business spans consumer and commercial banking, offering checking, savings, money market, and certificate products; mortgages, home equity, auto loans (including the Flex Drive hybrid product), personal loans, the CashPlease small-dollar loan, and student lending; credit cards (Premium World Mastercard and Platinum Mastercard); and a growing business banking franchise covering commercial loans, commercial real estate, treasury management, and payroll services.

The institution distributes through a hybrid physical-and-digital model: a regional branch network, the CO-OP shared branching network providing nationwide reach, mobile and online banking, Zelle peer-to-peer payments, Clearview Live video banking, and the Claire AI-powered digital assistant available 24/7. Clearview has invested heavily in third-party AI tools (Zest AI for underwriting, Microsoft Copilot, ChatGPT, Zest Lulu) across underwriting, HR, business intelligence, coding, scheduling, call center analysis, and lending portfolio management, with the stated objective of doubling membership without proportional headcount growth.

Revenue is generated principally through net interest income on the lending portfolio, supplemented by deposit and loan service fees, interchange revenue on Mastercard transactions, and treasury management fees. As a not-for-profit cooperative, Clearview returns surplus to members via competitive deposit rates, lower loan rates, and reduced fees. The credit union is NCUA-insured, supports community programs through the Clearview Cares initiative and the Clearview Foundation (launched April 2025), and pursues expansion through both organic branch growth and mergers such as the Beaver Valley Federal Credit Union combination.

Name

Clearview Federal Credit Union

Legal name

Clearview Federal Credit Union

Website

https://clearviewfcu.org

Company type

Private

Founded year

1953

Operating status

Operating

Headcount range

251–500 employees

Short description

Clearview Federal Credit Union is a federally chartered, not-for-profit cooperative headquartered in Moon Township, Pennsylvania, serving consumers and local businesses across southwestern Pennsylvania with deposits, consumer and commercial loans, credit cards, and treasury management through a 27-branch network and digital channels.

Ownership category

akta.pro rank

Product category

Credit Union Banking

NAICS

Credit Unions (52213), Credit Card Issuing (52221), Depository Credit Intermediation (5221)

SIC

Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141)

akta.pro primary industry

Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Credit union banking
• Consumer lending
• Commercial banking
• Mortgage loans
• Wealth management services

Headquarters

HQ city

East Liverpool

HQ country

United States

HQ region

North America

Offices27 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Interest Income: As a not-for-profit credit union, Clearview generates primary revenue through interest income on loans including mortgages, auto loans, personal loans, home equity, and business loans. Revenue is cycled back to members through higher dividend rates and lower loan rates.
2. Fee Income: Account service fees, ATM fees (beyond free allowance), late payment fees, cash advance fees, and other banking service charges
3. Interchange Revenue: Revenue from credit and debit card transactions processing through the Mastercard network
4. Business Services Revenue: Treasury management services, business checking and savings accounts, commercial loans and lines of credit, commercial real estate loans for business members

Pricing tiers

Go-to-market motion1 record

Distribution channels8 records

Marketing channels8 records

Core offering

Clearview Federal Credit Union is a not-for-profit, member-owned financial cooperative that provides a comprehensive suite of personal and business banking products. Its core offerings include checking, savings, money market and certificate deposit accounts; consumer loans such as auto loans (including the Flex Drive product), mortgages, home equity loans and lines of credit, personal loans and the CashPlease small-dollar loan; Mastercard credit cards; business banking including commercial loans, commercial real estate financing, treasury management and business digital banking; and wealth management and investment advisory services through Clearview Wealth Management Group.

Product overview

Clearview Federal Credit Union offers a comprehensive suite of financial products and services as a full-service credit union serving southwestern Pennsylvania. The core banking platform includes checking accounts (Absolute Checking® with premium benefits, Basic Checking, Youth Spending Account, Fresh Start Checking), savings products (regular savings, Money Market accounts offering up to 3.45% APY, Youth Savings, Health Savings Accounts, Club Accounts), and certificates. The lending portfolio spans consumer loans (auto loans including the Flex Drive hybrid product, mortgages, home equity loans and HELOCs, personal loans including CashPlease® small-dollar loans, and student loans), credit cards (Premium World Mastercard® with 2% cash back rewards and Platinum Mastercard® for low rates), and business services (commercial loans, commercial real estate, business checking and savings, treasury management, and payroll services). Digital banking capabilities include mobile and online banking, the Claire digital assistant for 24/7 support, Clearview Live® video banking for remote appointments, Zelle® for P2P payments, and financial wellness tools including Goal Builder, Money Management, and free financial counseling. The institution also operates community-focused programs including Clearview Cares® for charitable giving and the Clearview Foundation for community grants, demonstrating a hybrid model combining commercial banking with community impact initiatives.

Differentiator

Problem solved

Functional benefit

Brands

• Clearview Foundation: Independent 501(c)(3) non-profit corporation focused on empowering communities through support of education, housing, healthcare, and human services initiatives.
• Clearview Cares®
• Claire
• Clearview Live®
• Flex Drive
• Absolute Checking®
• CashPlease®
• Clearview Wealth Management Group®

Products and services

• Absolute Checking Account Premium personal checking account offering 0.05% APY with identity theft monitoring, phone protection, and various discounts; designed for relationship banking members seeking enhanced checking benefits.
• Basic Checking Account Standard personal checking account for members seeking everyday banking functionality without premium features.
• Youth Spending Account Checking account for young members ages 13-25 designed to help build smart money habits with appropriate controls and parental oversight.
• Fresh Start Checking Second-chance checking account designed for members rebuilding their banking relationship.
• Relationship Money Market High-yield money market account offering up to 3.45% APY for balances of $0.01-$1,999,999.99 and 2.25% APY for balances of $2,000,000+, with tiered balance structures for relationship members.
• Savings Certificates Term deposit certificates with multiple maturities including 7-month at 3.38% APY, 13-month at 3.36% APY, 12-month at 1.75% APY, and 18-month at 2.00% APY.
• Clearview Savings Account Core personal savings account for credit union members.
• Youth Savings Accounts Youth savings accounts including Start Savings for members under 18 and Next Step Savings for ages 18-25, with tiered interest rates to encourage saving from an early age.
• Member's Choice Account Flexible personal savings account product within Clearview's savings portfolio.
• Club Accounts Specialty savings accounts for specific goals such as vacation or holiday savings with automatic distribution features.
• Health Savings Account Tax-advantaged savings account for individuals with high-deductible health plans to save and pay for qualified medical expenses.
• Individual Retirement Accounts (IRAs) Retirement savings products including IRA Certificates and IRA Savings Accounts for long-term retirement planning members.
• Auto Loans Consumer auto loans with rates from 5.24% APR (36-month, 2022-2026 models) up to 6.79% APR (84-month), plus auto refinancing options.
• Flex Drive Innovative auto financing product blending ownership with flexible lease-like terms and lower monthly payments, positioned between traditional auto loans and leasing.
• Fixed-Rate Mortgage Fixed-rate residential mortgage products including a 30-year option at 6.250% APR, 20-year at 6.000% APR, and 15-year at 5.875% APR.
• Mortgage Refinancing Mortgage refinancing products for existing homeowners seeking to refinance their residential mortgage.
• Home Equity Loans Home equity loans using home equity as collateral, with a 5-year fixed-rate option at 6.24% APR for various homeowner financial needs.
• Home Equity Line of Credit (HELOC) Revolving line of credit using home equity as collateral, offering variable rates of 6.00% APR, interest-only HELOC at 6.49% APR, and 5-year fixed at 6.24% APR.
• Personal Loans Unsecured personal loans for member borrowing needs.
• CashPlease Small-dollar loan product allowing members to borrow up to $1,000 quickly without the high-interest rates of payday loans or cash advance fees.
• Student Loans Student loan products for members pursuing higher education.
• Premium World Mastercard Rewards Mastercard credit card offering up to 2% cash back with Premium Perks benefits and no annual or foreign transaction fees; APR ranges from 17.49%-18.00% variable.
• Platinum Mastercard Low-rate Mastercard credit card with APR from 10.49%-18.00% variable, no annual fee, 2% foreign transaction fee, and fraud protection with Mastercard concierge services.
• Student Credit Card Student-focused credit card product within the credit card lineup for younger members building credit.
• Clearview Wealth Management Group Wealth management and investment advisory services offered through Clearview's team of financial advisors including Jonathan Vernacchio, Richard Chambers, Nick Song, and Costas A Grekis.
• Insurance Solutions Insurance solutions offered to members as part of the personal protection product line.
• Business Digital Banking Digital banking platform tailored for business members including cash management, ACH transfers, wire transfers, and business account monitoring.
• Treasury Management Services Business banking service including cash management, payment processing, and liquidity management designed for local businesses and commercial clients, led by a dedicated treasury management team.
• Business Payments and Payroll Payroll and payment processing services for business members to manage employee compensation and vendor payments.
• Business Loans and Lines of Credit Comprehensive business lending solutions including term loans and revolving credit facilities for working capital, equipment, and growth needs.
• Commercial Real Estate Loans Commercial lending products for businesses seeking financing for commercial property acquisition, development, or refinancing.

Quantifiable outcome

• Aims to double membership without proportionally increasing staff through AI-driven efficiency gains
• +2 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability8 records

Feature5 records

Partnerships

Twelve partnerships are on record, tiered core and flagship.

• Treasury Management ClientscoreOthers · 27 March 2026New treasury management team led by Faith Hansen focused on supporting local businesses with community-oriented growth, transparent pricing, and technological enhancements.
• Lincoln Park Performing Arts CentercoreGTM or Marketing Partner · 1 June 20252025-2026 Subscription Series Sponsor for the Find Your Way season, with 10% discount for members on tickets.
• Zest AIcoreTechnology or Integration · 1 January 2024Zest AI provides automated underwriting platform for Clearview's lending operations, enabling AI-driven loan decisioning across the credit union's loan portfolio for improved accuracy and efficiency.
• Microsoft (Copilot)coreTechnology or Integration · 1 January 2023Microsoft Copilot corporate licenses deployed across HR, business intelligence, coding, call center analysis, scheduling, and lending portfolio analysis functions.
• OpenAI (ChatGPT)coreTechnology or Integration · 1 January 2023Corporate ChatGPT licenses enabling AI-powered productivity across multiple business functions including HR, business intelligence, coding, and member service analysis.
• Stage AEcoreGTM or Marketing Partner · 1 January 2020VIP partnership providing Clearview cardholders exclusive entrance access and VIP lounge access at Stage AE venue.
• MastercardcoreTechnology or Integration · 1 January 2020Credit and debit card network partnership providing Premium World Mastercard and Platinum Mastercard products with various benefits and fraud protection.
• University of Pittsburgh (Pitt Panthers)flagshipGTM or Marketing Partner · 1 January 2015Official Credit Union of the Pitt Panthers athletics program, providing exclusive benefits and services to university community members.
• Robert Morris University AthleticsflagshipGTM or Marketing Partner · 1 January 2015Official Credit Union partnership with Robert Morris University Colonials athletics, serving university students, alumni, and fans.
• Duquesne University AthleticsflagshipGTM or Marketing Partner · 1 January 2015Official Credit Union partnership with Duquesne University Dukes athletics program.
• CO-OP Shared Branching NetworkcoreChannel Partner/ Reseller/ Distributor · 1 January 2015Partnership providing members access to 5,000+ credit union locations and 30,000+ surcharge-free ATMs nationwide.
• GreenPath Financial WellnesscoreImplementation/ SI/ Consulting Partner · 1 January 2015Certified Credit Union Financial Counselors providing free personalized financial counseling, action plans, and ongoing support to members.

Scale indicators8 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• PSECU (Pennsylvania State Employees Credit Union): Pennsylvania-headquartered credit union serving members statewide with full personal and business banking, comparable in scale and product breadth, and competing in overlap with Clearview's southwestern PA footprint.
• SchoolsFirst Federal Credit Union: Large community credit union with full banking, lending, and wealth services for a defined membership; comparable in size, structure, and product suite even though its geographic focus is California.
• Truliant Federal Credit Union: Community credit union operating a multi-state branch network with consumer and commercial banking; similar asset size and product mix make it a closely comparable growth-stage community credit union.
• Connexus Credit Union: Mid-sized community credit union with national digital reach, similar asset base, and broadly parallel personal/business banking products, directly comparable on size and product breadth.
• Citadel Federal Credit Union: Pennsylvania-based community credit union with multiple branches, deposit and consumer/business lending, and similar asset scale, making it the most directly comparable community credit union peer in the same region.
• BCU (Baxter Credit Union): Member-owned credit union offering full personal and business banking with multiple branches; similar size and product mix to Clearview, making it a relevant direct peer for competitive benchmarking.

Emerging players

• SoFi: Digital-first consumer banking and lending platform; provides a relevant emerging competitive reference for the digital experience benchmark Clearview must meet across its deposit, lending, and credit card products.

Broad incumbents

• Navy Federal Credit Union: Largest U.S. credit union with a nationwide branch and digital footprint offering a full suite of consumer products; relevant incumbent for understanding scale-based capability gaps Clearview would face if expanding nationally.
• PenFed (Pentagon Federal Credit Union): Large national credit union offering consumer banking, lending, and credit cards to a broad membership; broader geographic reach and deeper product portfolio create competitive pressure on regional players like Clearview.
• PNC Financial Services: Pittsburgh-headquartered national bank with deep southwestern Pennsylvania presence, full consumer and commercial banking, and scale advantages directly competing with Clearview in its home market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/clearview_fcu
• YouTubeyoutube.com/ClearviewFederalCreditUnion
• Facebookfacebook.com/ClearviewFCU
• LinkedInlinkedin.com/company/clearview-federal-credit-union
• Instagraminstagram.com/clearviewfcu
• TikToktiktok.com/@clearviewfcu

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Clearview Federal Credit Union