Noble Credit Union

What Noble Credit Union does

Noble Credit Union is a federally chartered, member-owned cooperative credit union founded in 1941 as the Fresno County Employees Credit Union, renamed Fresno County Federal Credit Union after federal conversion in the 1990s, and rebranded to Noble Credit Union in 2017 to broaden its identity beyond government employees. It operates as a full-service community financial institution headquartered in Fresno, California, serving more than 120,000 members with $1.4 billion in assets across nine branch locations in the Central Valley (Clovis, Fresno, Selma, Madera) and digital channels including an iOS/Android mobile app and online banking platform integrated with Zelle, Card Control, mobile wallet support, SavvyMoney credit monitoring, and Banzai financial education.

The product platform is a tiered, full-stack retail banking suite: deposit products (Primary, Noble Perks, and Noble Perks Plus checking; Regular Savings, Reverse Money Market, Loyalty Money Market, and Money Market Advantage; Share Certificates including the new Three Wishes Share Certificate; HSA and youth accounts); lending products (Conventional, FHA, VA, Reverse, Jumbo, and ARM mortgages; fixed home equity loans and variable HELOCs; new and used auto loans including RVs, boats, and motorcycles; personal loans up to $25,000; and overdraft lines of credit); credit cards (MyRewards Platinum Visa and Share Secured Visa Platinum); and ancillary services including investment referral through Osaic Institutions and insurance products through third-party providers. The technology architecture is a mix of in-house digital banking and partner integrations rather than proprietary core systems.

The revenue model is anchored in net interest income on loans (auto, mortgage, home equity, personal, credit card) supplemented by subscription fees on premium checking ($5-$10/month), credit card interchange, investment referral commissions from Osaic, and insurance product commissions from third-party underwriters. Customer acquisition is distributed across geographic residency, family eligibility, and a Business Partner Program with 400+ employers, including Fresno County, City of Fresno, Costco, Valley Children's Healthcare, Fresno Chaffee Zoo, Community Medical Centers, and Fresno State, which collectively serve as the primary membership growth channel. The institution is regulated by the NCUA, holds a Bauer Financial 5-Star rating, and is recognized as a Forbes Best-in-State Credit Union and Best Credit Union in Central California.

Name

Noble Credit Union

Legal name

Noble Federal Credit Union

Website

https://noblecu.com

Company type

Private

Founded year

1941

Operating status

Operating

Headcount range

101–250 employees

Short description

Noble Credit Union is a federally chartered, member-owned cooperative credit union founded in 1941, headquartered in Fresno, California, serving 120,000+ members across the Central Valley with $1.4 billion in assets, nine branches, and a full-service retail banking platform.

Ownership category

akta.pro rank

Product category

Retail Banking (Credit Union)

NAICS

Credit Unions (52213)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

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

akta.pro secondary industry

Employer/Occupational Credit Unions (FSABAEAB)

Keywords

• Retail banking services
• Consumer lending products
• Mortgage and home equity
• Credit union membership
• Digital banking platform

Headquarters

HQ city

Fresno

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income on Loans: Noble Credit Union generates the majority of its revenue through interest income on various loan products including vehicle loans, mortgages, home equity loans/lines of credit, personal loans, and credit cards. Rates vary by product with APRs ranging from approximately 4.85% for new auto to 16.99% for share secured credit cards.
2. Checking Account Fees: Monthly subscription fees for premium checking accounts (Noble Perks at $5/month, Noble Perks Plus at $10/month), and paper statement fees ($2/month) for those not enrolled in e-Statements.
3. Credit Card Interchange: Revenue from credit card transaction interchange fees on MyRewards Platinum Visa and Share Secured Visa Platinum cards.
4. Investment Services Referral: Partnership with Osaic Institutions Holdings, Inc. for investment services. The credit union refers members to Osaic for financial planning, IRA, 401(k) rollovers, and other investment products, generating referral revenue.
5. Insurance Products: Partnership with third-party insurers to offer Mechanical Breakdown Protection (GAP), Debt Protection, and Hospital Indemnity Insurance products to members.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels8 records

Core offering

Noble Credit Union is a federally chartered, member-owned cooperative that provides consumer financial services including deposit accounts (checking, savings, money market, share certificates, HSA), consumer and mortgage lending (auto, personal, home equity, HELOC, mortgage), credit cards (rewards and secured), digital banking (online and mobile), youth accounts, and member-referral investment and insurance services. Revenue is primarily generated from net interest income on loans, supplemented by monthly checking subscription fees, credit card interchange, insurance licensing, and Osaic investment referral commissions.

Product overview

Noble Credit Union operates as a full-service financial institution with a comprehensive banking platform consisting of core deposit products (checking, savings, money market accounts, and share certificates), diverse lending offerings (mortgages, home equity, auto loans, personal loans, and credit cards), digital banking channels (online and mobile banking with mobile deposits and mobile wallet support), and supplementary financial services (investment services, retirement accounts, insurance products, and financial education through Banzai). The product architecture follows a tiered approach, with basic accounts available to all members and premium tiers (Noble Perks, Noble Perks Plus) offering enhanced benefits like cell phone protection, identity theft coverage, and improved rates for monthly subscriptions. Youth banking products (Star Savers, EverGREEN Teen Savings) provide age-appropriate accounts with parental controls, while the Three Wishes Share Certificate introduces flexible features not found in standard share certificates. Digital services emphasize convenience through Zelle P2P payments, Card Control for credit management, and SavvyMoney for credit monitoring, all integrated within the mobile and online banking experience.

Differentiator

Problem solved

Functional benefit

Products and services

• Primary Checking Basic checking account for individual members with no monthly service fees when enrolled in e-Statements, free debit card, and access to online and mobile banking services.
• Noble Perks Checking
• Noble Perks Plus Checking
• Regular Savings Account
• Reverse Money Market
• Loyalty Money Market
• Money Market Advantage
• Share Certificates
• Three Wishes Share Certificate Innovative 2-year share certificate offering three flexible options during the term: one penalty-free withdrawal (up to 25% of principal), one additional deposit, and one rate increase.
• Health Savings Account (HSA)
• Star Savers
• EverGREEN Teen Savings
• Visa Debit Card
• Online Banking
• Mobile Banking App
• Zelle Person-to-Person Payments
• Card Control
• MyRewards Platinum Visa
• Share Secured Visa Platinum
• Mortgage Products
• Home Equity Loans
• Home Equity Line of Credit (HELOC)
• Vehicle Loans
• Personal Loans
• Overdraft Line of Credit
• Insurance Products
• Investment Services
• Retirement Accounts (IRAs)
• Skip A Pay
• Discounted Amusement Park Tickets

Quantifiable outcome

• 85th anniversary in 2026, demonstrating long-term stability and community commitment
• +1 more outcomes

Named customers7 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature6 records

Partnerships

Nine partnerships are on record, tiered core, supporting and flagship.

• Osaic Institutions Holdings, Inc.coreTechnology or IntegrationInvestment services partnership where Osaic provides financial advisors (including Andrew Lewis at Noble) to serve members' investment needs including retirement planning, IRA rollovers, and tax-efficient investments. Founded in 2016, Osaic is a full-service investment firm serving credit union members across all 50 states.
• BanzaicoreTechnology or IntegrationFinancial education platform partnership providing interactive courses, calculators, and virtual financial coaching for members. Includes Banzai Junior (for kids), Banzai Teen (for teens), and adult financial education resources. Available through Noble's website and mobile app.
• Zelle (Early Warning Services, LLC)coreTechnology or IntegrationPartnership to provide Zelle person-to-person payment services, allowing members to send and receive money quickly between bank accounts directly through Noble's online and mobile banking platforms.
• Enterprise Car SalessupportingChannel Partner/ Reseller/ DistributorPreferred auto dealer partnership allowing Noble members to browse and purchase vehicles through Enterprise Car Sales with pre-approved financing options.
• Bulldog Foundation (Fresno State Athletics)flagshipStrategic or Co-development PartnerFlagship community partnership supporting Fresno State Athletics through the Bulldog Foundation. The partnership funds full-ride scholarships for 400+ student-athletes across 18 sports. Noble sponsors member-exclusive tailgate events during Fresno State football games and supports student-athlete success.
• Business Partners (400+ employers)coreGTM or Marketing PartnerExtensive employer partnership network of 400+ organizations offering credit union membership eligibility as an employee benefit. Includes major employers such as Fresno County, Costco, Valley Children's Healthcare, Fresno Chaffee Zoo, Community Health System, and many local government entities and businesses.
• Warnors Center for the Performing ArtssupportingStrategic or Co-development PartnerCommunity service partnership for volunteer projects supporting downtown Fresno landmarks. Noble volunteers participated in the 'One Community. One Stage' project to refresh and detail the historic Warnors Theatre during Historic Preservation Month.
• Various Amusement ParkssupportingGTM or Marketing PartnerPartnerships with Disneyland, Universal Studios, Knott's Berry Farm, Legoland, Island Waterpark, and Wild Water Adventure Park to offer Noble members exclusive discounted admission tickets through online banking.
• Franklin Madison Group LLC / Zurich American Insurance CompanysupportingGTM or Marketing PartnerInsurance products partnership offering Mechanical Breakdown Protection, GAP Insurance, Debt Protection, and Hospital Indemnity Insurance through third-party providers to Noble members.

Scale indicators5 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Patelco Credit Union: California community credit union serving a similar Bay/Central California member base with full deposit, lending, and digital banking suite. Comparable scale ($7B+ assets) and similar community-focused positioning.
• First Technology Federal Credit Union: Oregon-based employer-affiliated federal credit union with similar employer partnership model, full digital banking suite, and nationwide membership reach via technology employer partners. Comparable structure to Noble's Business Partner program.
• Alliant Credit Union: Online-led credit union with broad national membership and employer/affinity partner program. Comparable in digital banking maturity, employer partnership acquisition, and high-yield savings product positioning to Noble.
• Kinecta Federal Credit Union: California-headquartered federal credit union with similar community membership model, multi-branch footprint, and comparable lending products including mortgages, auto, and credit cards. Comparable mid-sized asset base and member profile.
• SchoolsFirst Federal Credit Union: California-based, employer-affiliated (school employees) federal credit union serving a defined membership base with similar deposit, lending, and digital banking products. Closely comparable in structure (employer-originated, federally chartered) and product mix to Noble.
• BECU (Boeing Employees Credit Union): Washington-state employer-originated credit union that expanded to community membership. Comparable scale, employer partnership growth model, and digital-first product strategy. Strong direct comparable for Noble's business partner acquisition model.
• Pacific Service Credit Union: Northern California community credit union with similar employer-based membership eligibility, full-service deposit and loan offerings, and community focus. Comparable in scale and digital maturity to Noble.
• American First Credit Union: California community credit union with similar branch footprint strategy, employer partnerships, and full deposit/lending product suite. Comparable mid-sized asset base and member community focus.

Regional players

• San Diego County Credit Union: California-based community credit union with similar full-service banking and employer partnership model. Operates in a different region (San Diego) but directly comparable in product offering, digital platform, and member-focused community positioning.

Broad incumbents

• Golden 1 Credit Union: California's largest credit union with statewide branch network and full digital banking platform. Overlaps directly with Noble's deposit, lending, and digital products, but operates at much larger scale ($20B+ assets) and broader geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/NobleCreditUnion
• LinkedInlinkedin.com/company/noble-credit-union
• Instagraminstagram.com/noblecreditunion

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

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 Noble Credit Union