All In Credit Union

What All In Credit Union does

All In Credit Union is a federally chartered, member-owned financial cooperative founded in 1966 by servicemen to serve military personnel and their families, headquartered in Daleville, Alabama with a Daleville Operations Center at 238 Virginia Avenue. The credit union operates approximately 43 branches across Alabama (concentrated in Dothan with 7 locations and the Wiregrass region), Florida (Panama City Beach, Crestview, Santa Rosa Beach, DeFuniak Springs, Marianna, Century, Daphne), and Mississippi (Pascagoula), supported by Smart ATMs at most branch drive-thrus offering 24/7 cardless transactions, deposits, and loan payments, plus access to 5,000+ CO-OP Shared Branch locations nationwide. As of 2026 it holds $3.6 billion in total assets and serves 215,366+ members, with membership eligibility tied to residence in specified counties, employment with 800+ partner businesses and organizations, or affiliation with military installations including Fort Novosel and US Coast Guard Aviation Training Center Mobile.

The credit union's core technology stack is a digital banking platform delivering online and mobile banking (iOS/Android) with mobile deposit, Zelle peer-to-peer payments, bill pay, Card Control, SavvyMoney credit score monitoring, and the MoneyEdu financial education platform. Automated Fraud Alerts send real-time text and voice notifications for suspicious activity with two-way verification and card blocking. Product breadth spans seven checking account tiers (Choice, Prime, Smart Rewards, Smart Rewards Premium, You Choose Debit, Youth, BaZing), savings, money market, share/IRA certificates, vehicle/personal/mortgage/student/payday-assistance loans, three credit card variants (Platinum Rewards, Platinum, Secure Rewards), GAP Plus, mechanical breakdown protection, loan protection, collateral protection insurance, and wealth management delivered through an LPL Financial partnership. Mobile wallet support covers Apple Pay, Google Pay, and Samsung Pay.

Revenue mechanics follow a standard credit union model: net interest income from the spread between interest paid on member deposits and interest earned on the loan portfolio (vehicle, mortgage, personal, credit card, business), supplemented by transaction fees including $28 overdraft/NSF, $2.00 non-All In ATM after first three free, $20 domestic wire, $40 international wire, and annual safe deposit box fees. Membership pricing on checking tiers ranges from $0 (Choice/Youth) to $8/month (Smart Rewards tiers), with waivers tied to minimum balances. Go-to-market is community-led via 800+ employer partnerships, financial education programming (Youth Council, All In 2 Finances Challenge), $500K+ annual grant program, and 6,439 community service hours in 2025. Customer segments include military community, general consumer/members, youth/young adults, small businesses, and senior adults, with no material concentration in any single segment.

Name

All In Credit Union

Legal name

All In Federal Credit Union

Website

https://allincu.com

Company type

Private

Founded year

1966

Operating status

Operating

Headcount range

251–500 employees

Short description

All In Credit Union is a federally chartered, member-owned financial cooperative founded in 1966, serving 215,366+ members across Alabama, Florida, and Mississippi with 43 branches, full-service banking, lending, and wealth management via LPL Financial partnership.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Card Issuing (522210)

SIC

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

akta.pro primary industry

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

akta.pro secondary industries

Employer/Occupational Credit Unions (FSABAEAB), Military & Veterans Credit Unions (FSABAEAI)

Keywords

• Retail banking
• Consumer lending
• Credit union services
• Deposit accounts
• Wealth management

Headquarters

HQ city

Daleville

HQ country

United States

HQ region

North America

Offices32 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: The primary revenue stream comes from interest earned on loans including vehicle loans, mortgages, personal loans, credit cards, and business loans. As a credit union, excess income is returned to members through better rates on loans and savings.
2. Fee-based Services: Various banking fees including overdraft fees, ATM fees, wire transfer fees, account research fees, check printing, safe deposit box rentals, and other service charges as outlined in the fee schedule.
3. Share/Savings Deposits: Members deposit savings which the credit union uses to fund loans. The differential between interest paid on deposits and interest charged on loans generates revenue.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels12 records

Core offering

All In Credit Union is a member-owned financial cooperative offering retail deposit accounts (checking, savings, money market, share/IRA certificates), consumer and business loans (vehicle, personal, mortgage, HELOC, student, payday assistance), credit cards, wealth management through an LPL Financial partnership, insurance products, and small business banking. Members access these services through 43 branch locations, 24/7 Smart ATMs, online and mobile banking platforms with mobile deposit and Zelle, and the CO-OP Shared Branching network of 5,000+ locations.

Product overview

All In Credit Union is a full-service financial institution offering a comprehensive suite of banking products and services. The core offerings include multiple checking account tiers (Choice Checking, Prime Checking, Smart Rewards Checking, Smart Rewards Premium Checking, You Choose Debit, Youth Checking, and BaZing), vehicle and personal loans, credit cards (Platinum Rewards, Platinum, and Secure Rewards), mortgage products including HELOCs, student loans, and payday assistance loans. Savings options include traditional savings, Share/IRA Certificates, and tiered Money Market accounts. The institution provides extensive digital banking capabilities through online and mobile platforms with features like mobile deposit, bill pay, Card Control, and SavvyMoney credit score monitoring. Additional services include wealth management through LPL Financial partnership, insurance products, GAP Plus protection, extended warranties, loan protection, fraud detection systems, and financial education resources including a Youth Council program and the All In 2 Finances Challenge. The credit union operates Smart ATMs and participates in shared branching networks with over 5,000 locations.

Differentiator

Problem solved

Functional benefit

Products and services

• Choice Checking Basic no-monthly-fee checking account providing standard retail banking features including debit card access and online banking, intended as the entry-level consumer account.
• Prime Checking Premium checking account charging a $3 monthly fee (waived with a balance of $10,000 or more), delivering enhanced benefits and standard duplicate checks at no additional charge.
• Smart Rewards Checking Interest-earning checking account requiring enrollment in eStatements and charging an $8 monthly fee, designed to pay dividends on balances.
• Smart Rewards Premium Checking Premium rewards checking with an $8 monthly fee that is waived if the member maintains a $1,500 balance or a $10,000 average relationship with the credit union.
• You Choose Debit Account Flexible debit account that lets cardholders select preferences and controls over card usage, priced at $5 per month with no additional per-transaction charges disclosed.
• Youth Checking No-monthly-fee checking account designed for young members, intended to teach financial independence while giving parents visibility into activity.
• BaZing Checking Reward-focused checking account bundled with cellular and identity-theft protection benefits as core feature differentiators.
• Savings Accounts Standard savings accounts providing a safe place to store funds while earning dividends, available to consumer and business members.
• Money Market Accounts Tiered savings product paying higher dividends as balances grow, with no minimum opening deposit, targeted at members seeking higher-yield liquid savings.
• Share/IRA Certificates Term share certificates and Individual Retirement Accounts offered at competitive rates with multiple term lengths, serving both standard and retirement savings goals.
• Vehicle Loans Auto loan products for the purchase of new and used vehicles, with competitive credit-union rates and flexible term options available to members.
• Personal Loans Unsecured personal loans for purposes such as debt consolidation, home improvements, and unexpected expenses, priced under credit-union rate economics.
• Mortgage Loans Home financing products including purchase mortgages, refinancing options, and Home Equity Lines of Credit (HELOC), with the credit union registered as NMLS #403197 for loan origination.
• Payday Assistance Loan Short-term loan product explicitly designed to help members avoid predatory payday lending by offering a credit-union alternative for emergency cash needs.
• Student Loans Education financing products covering tuition and other education-related expenses for members pursuing higher education.
• Platinum Rewards Credit Card Rewards credit card earning points on everyday purchases with $0 balance transfer fees and travel-friendly features, issued on the MasterCard network with fraud protection.
• Platinum Credit Card Standard credit card offering essential features and competitive credit-union rates for everyday purchases, issued on the MasterCard network.
• Secure Rewards Credit Card Secured credit card targeted at members building or rebuilding credit, combining a refundable deposit with reward-earning on spending.
• All In Wealth Management Wealth management, retirement planning, and investment advisory services delivered through an LPL Financial partnership, with Nancy Ungarino as Financial Advisor providing members comprehensive guidance and securities services.
• Insurance Services Suite of credit-life and disability insurance offerings delivered through TruStage, including accidental death insurance and collateral protection insurance for vehicles pledged as loan collateral.
• GAP Plus Guaranteed Asset Protection product that may reduce or eliminate the gap between an insurance payout and the outstanding loan balance if a financed vehicle is totaled, sold through the TruStage partnership.
• Mechanical Breakdown Protection (Extended Warranty) Route 66 Extended Warranty offering comprehensive vehicle protection with $0 deductible, 24/7 roadside service, and rental car benefits, marketed as a vehicle add-on protection plan.
• Loan Protection Debt protection product from TruStage covering job-loss payment protection and credit life and disability coverage on outstanding member loans.
• Business Banking Business banking services including business checking, business loans, and commercial services offered to small businesses and to 800+ employer-partner organizations enabling employee membership access.

Named customers3 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Fort Novosel (formerly Fort Rucker)coreStrategic or Co-development PartnerMilitary base partnership providing banking services to active duty military, civilians, and retirees. Branch located on base at Bldg. 8937 Red Cloud Road. Multiple ATMs located throughout base at locations including Post Exchange, Commissary, Cairns Airfield, Lowe Airfield, Lyster Army Health Clinic, and Soldier Service Center.
• US Coast Guard Aviation Training Center - MobilecoreStrategic or Co-development PartnerPartnership providing credit union membership eligibility to active duty, civilians, and retirees attached to the USCG ATC in Mobile, Alabama.
• Enterprise High SchoolcoreStrategic or Co-development PartnerEducational partnership for 'Game Plan for Success' event featuring NFL player Marcus Jones to empower students through financial education. The event includes pep rally atmosphere, on-stage interview focused on financial literacy, and meet-and-greet session. Partnership demonstrates shared commitment to student financial wellness.
• LPL FinancialcoreTechnology or IntegrationRegistered investment advisor and broker-dealer providing securities and advisory services for All In Wealth Management. All In refers members to LPL financial advisors who provide comprehensive financial guidance, retirement planning, and investment strategies. Nancy Ungarino serves as primary Financial Advisor through this partnership.
• Fort Novosel/Wiregrass Chapter of Association of United States ArmyminorStrategic or Co-development PartnerAssociation partnership providing membership eligibility for chapter members.
• CO-OP Shared BranchcoreChannel Partner/ Reseller/ DistributorShared branching network providing access to 5,000+ credit union branch locations nationwide and in six foreign countries. Members can conduct transactions at any CO-OP location.
• Fort RuckercoreStrategic or Co-development PartnerMilitary base ATM network including 6 ATM-only locations at Flowers Hospital, Cairns Airfield, Lowe Airfield, Lyster Army Health Clinic, Post Exchange, Post Commissary, Soldier Service Center, and main branch at Bldg. 8937 Red Cloud Road. Toll-free: 800.448.4096.

Scale indicators10 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Redstone Federal Credit Union: Huntsville, Alabama-based federal credit union serving the Tennessee Valley with a military-heavy membership base inherited from its founding by Redstone Arsenal employees. Highly comparable to All In given the shared Alabama military-community heritage, similar federal charter, and overlapping product set (lending, deposits, digital, shared branching).
• Community First Credit Union of Florida: Jacksonville/Northeast Florida community credit union serving members and select employer groups with a similar cooperative, community-focused banking model. Directly comparable in scale, federal charter, and product mix, competing for the same Florida Panhandle and Mobile Bay consumer base.
• Grow Financial Federal Credit Union: Tampa, Florida-based federal credit union serving West Central Florida members and select employer groups. Comparable federal charter, multi-channel distribution model (branches + digital), and full consumer/business banking suite, making it a direct in-state competitor to All In's Florida Panhandle footprint.
• VyStar Credit Union: Jacksonville, Florida-headquartered community credit union with multi-county Florida geographic reach, a similarly diversified consumer/mortgage/wealth product suite, and shared branch and digital banking capabilities — competing directly for Florida Panhandle and Northeast Florida members served by All In.
• Tropical Financial Credit Union: Miramar, Florida-based community credit union serving South Florida through employer and community-based membership routes. Operates with a similar cooperative value proposition, consumer/business product suite, and digital delivery model.
• Suncoast Credit Union: Tampa, Florida-headquartered, member-owned cooperative serving the Tampa Bay region with a comparable full-service consumer, mortgage, business, and wealth offering. Material FL competitor to All In's Florida panhandle branches (Crestview, Panama City Beach, Santa Rosa Beach, Marianna).
• Navy Federal Credit Union: The largest U.S. military-affiliated credit union, serving active duty, retirees, and DoD civilians. Operates with the same member-cooperative philosophy and similar product breadth as All In, and shares the Fort Novosel/Wiregrass membership-eligible population with overlapping branch-style presence at major military installations.
• PenFed (Pentagon Federal Credit Union): Alexandria, Virginia-based federal credit union founded on a military-affiliated membership model with nationwide reach. Competes for the same military and federal-civilian member segments and operates a similarly diversified consumer/mortgage/wealth stack, including a national digital channel.

Broad incumbents

• Hancock Whitney: Gulf Coast regional commercial bank with branches across Mississippi, Alabama, Florida, Louisiana, and Texas — the same Southeast geography as All In. A broader incumbent offering consumer, mortgage, wealth, and commercial banking; relevant as a direct incumbent competitor in Pascagoula (MS), Mobile (AL), and the Florida Panhandle where All In operates branches.
• Regions Bank: Birmingham, Alabama-headquartered regional commercial bank with the largest brick-and-mortar presence across All In's AL/FL/MS footprint. A broader incumbent that competes head-on with All In for retail deposits, mortgages, and small-business banking across the same trade area, but with a much larger commercial banking franchise All In cannot directly match due to NCUA caps.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/all_in_cu
• Facebookfacebook.com/allincu
• LinkedInlinkedin.com/company/all-in-credit-union
• Instagraminstagram.com/all_in_credit_union

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments

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

Frequently asked questions about All In Credit Union