Credit Human

What Credit Human does

Credit Human Federal Credit Union is a not-for-profit, member-owned financial cooperative founded in 1935 in San Antonio, Texas, and federally chartered with NCUA-insured deposits. Operating under sub-brands CU Factory Built Lending, Mountainside Financial, and CARS, the credit union serves 253,000+ members across 43 U.S. states, operating 25 Financial Health Centers in San Antonio and New Orleans. Its product portfolio spans share savings accounts, free checking, dividend checking, share certificates, IRAs, Mastercard credit cards, QMoney short-term loans (no credit check, $200–$500), Slack Builder home loans (zero down payment), home equity loans, home improvement loans, vehicle loans, education loans, personal loans, and lines of credit. Revenue is generated primarily through net interest income on the lending book, supplemented by overdraft handling fees (Courtesy Pay $25/item), QMoney application fees ($20), and spread economics on deposits and share certificates.

The credit union runs a hybrid distribution model combining digital banking (iOS/Android apps with biometric login, mobile check deposit, card controls, Early Pay, Bill Center, Pay a Person, Financial Health Snapshot, and credit score monitoring) with physical Financial Health Centers, bank-by-phone (24/7 English/Spanish), mail banking, and the Allpoint ATM network spanning 55,000+ terminals. A B2B2C Select Group program extends membership through employer and association partnerships, while community programs (Excel Award with KENS5, scholarships via Scholarship America, Shred Day events, NOCHI scholarship support) drive grassroots acquisition. The institution operates nationally in manufactured housing lending under multiple brand names and has more than one-third of its membership living outside Texas.

Technology integration includes behavioral fraud detection by an internal Fraud Services team, external account aggregation, instant verification, and a 2021-opened 12-story sustainable headquarters featuring geothermal wells, solar panels, and water conservation systems (96% more energy efficient than comparable structures). Customer service is offered via Member Service Center (800-688-7228), bank-by-phone (800-678-7228), and dedicated loan support lines for auto, home, and manufactured housing lending. The institution is privately governed by its members through an elected board and has no external shareholders, venture capital, or public-market ownership.

Name

Credit Human

Legal name

Credit Human Federal Credit Union

Website

https://credithuman.com

Company type

Private

Founded year

1935

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Credit Human is a not-for-profit, member-owned credit union founded in 1935, serving 253,000+ members across 43 U.S. states with consumer banking, lending, and digital financial services delivered through 25 Financial Health Centers, mobile apps, and a national ATM network.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Card Issuing (522210), Activities Related to Credit Intermediation (5223)

SIC

Personal Credit Institutions (6141), Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

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

akta.pro secondary industries

Credit Cards & Revolving Credit (FSABAAAC), Subprime / Credit-Building Credit Cards (FSAKABAJ), Alternative / Non-Traditional Credit Data Providers (FSAKAKAB)

Keywords

• Retail banking services
• Consumer lending
• Member financial services
• Deposit accounts
• Credit union services

Headquarters

HQ city

San Antonio

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: Credit Human generates revenue primarily through interest charged on loans including credit cards, vehicle loans, home loans (including manufactured housing), personal loans, and education loans. As a credit union, this interest income supports competitive rates for members.
2. Deposit Account Fees and Services: Fees associated with overdraft protection services (Courtesy Pay $25 per item), QMoney loan application fees ($20), and other service charges. Free checking available with no monthly fees.
3. Share Certificate and Investment Products: Revenue generated from share certificates and IRA accounts where members deposit funds, with competitive APY rates paid to members and spread retained by the credit union.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels8 records

Core offering

Credit Human is a federally chartered, member-owned credit union that delivers consumer banking and lending products across 43 U.S. states. Its core offerings include deposit accounts (Share Savings, Free Checking, Dividend Checking, Share Certificates, Traditional Money Fund IRAs), consumer loans (home, home equity, vehicle, personal, education, line of credit, QMoney short-term loans), Mastercard credit cards, and digital banking via mobile and online channels. The institution also operates 25 Financial Health Centers providing in-person, judgment-free financial guidance and targeted manufactured-home lending through subsidiaries.

Product overview

Credit Human is a $4.3 billion credit union serving 253,000 members in 43 states, offering a comprehensive suite of financial products and services. The core portfolio includes share savings accounts, free checking, dividend checking, and share certificates as deposit products; QMoney short-term loans, home loans including Slack Builder and home equity products, vehicle loans, education loans, and personal loans for borrowing needs; and Rate Preferred and Rewards Preferred Mastercard credit cards. The Digital Banking platform serves as the primary service channel, integrating mobile check deposit, Bill Center, Card Controls, Credit Score Monitoring, Financial Health Tools, and Pay a Person features. Additional services include Financial Health Centers (25 physical locations), Bank by Phone, Early Pay direct deposit acceleration, and overdraft protection options. The organization also offers community programs including scholarships, Financial Slack educational content, and Select Group business partnerships. The company was chartered in 1935 as a not-for-profit, member-owned financial cooperative headquartered in San Antonio, Texas.

Differentiator

Problem solved

Functional benefit

Brands

• CU Factory Built Lending: Brand name used for manufactured home lending operations
• Mountainside Financial
• Credit Acquisition Resources Systems (CARS)
• SACU

Products and services

• Share Savings Foundational membership savings account that requires a $5 minimum deposit to open; designed for members to start building financial slack.
• Free Checking Everyday checking account with zero monthly fees and no minimum balance requirement, targeted at members seeking low-fee consumer banking.
• Dividend Checking Checking account that earns monthly dividends on any balance, combining everyday banking with deposit returns.
• Share Certificate Term savings product offering 3.90% APY on a 12-month term with flexible terms from 6 months to 10 years and a $500 minimum deposit.
• Traditional Money Fund IRA Individual Retirement Account offering liquidity and tax-deferred earnings for retirement savings.
• QMoney Loan Short-term loan product offering $200-$500 with no credit check, 60-day repayment term, 28% APR, and a $20 non-refundable application fee.
• Slack Builder Home Loan Home loan product that removes down payment or mortgage insurance requirements for qualified borrowers.
• Home Equity Loan Home equity financing allowing members to leverage property value for major expenses.
• Home Improvement Loan Financing option for home renovation and improvement projects with competitive rates.
• Rate Preferred Mastercard Mastercard credit card offering competitive rates with no annual fee for everyday purchases.
• Rewards Preferred Mastercard Mastercard credit card with rewards program for earning points or cash back on purchases.
• Personal Loan Unsecured personal loan for various consumer financial needs with flexible terms and competitive rates.
• Line of Credit Revolving credit access up to pre-approved limits with low monthly payments for consumer financial flexibility.
• Vehicle Loans Financing solutions for purchasing new or used vehicles with competitive rates.
• Education Loans Student loan products to help fund higher education expenses.
• Digital Banking Mobile and online digital banking platform available on iOS and Android with biometric login, account management, transfers, bill pay, mobile deposit, and card controls.
• Manufactured Home Loans (CU Factory Built Lending / Mountainside Financial) Specialized manufactured home loan lending delivered nationally through Credit Human's lending division brands CU Factory Built Lending and Mountainside Financial.
• Select Group Business Partnership Program B2B2C partnership program for businesses, churches, schools, PTAs and universities that offers employee financial wellness benefits, on-site financial health seminars and interactive workshops through dedicated account managers.
• Financial Health Centers (Branch Banking) In-person financial guidance and account services delivered through 25 Financial Health Centers in San Antonio (originating 2017) and New Orleans (first location opened 2022); includes online lobby waitlist and appointment booking.

Quantifiable outcome

• Up to 2 days early access to direct deposit funds through Early Pay benefit
• +4 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability1 record

Feature4 records

Partnerships

Six partnerships are on record, tiered minor and core.

• Schneider ElectricminorStrategic or Co-development Partner · 17 June 2026Credit Human was featured as a case study in the Bloomberg New Economy Energy Technology Coalition, backed by Schneider Electric, illustrating how organizations can build resilient, high-performance facilities through energy efficiency. This demonstrates Credit Human's commitment to sustainability in its operations.
• Scholarship AmericacoreStrategic or Co-development PartnerPartnership to administer the Credit Human Scholarship Program providing $5,000 awards (up to seven annually) to members and their families attending accredited colleges. Scholarship America is a well-established scholarship administration organization.
• KENS5coreGTM or Marketing PartnerPartnership for the Excel Award program, honoring local teachers across San Antonio for over 25 years. Over 500 teachers recognized, with $38,000 awarded in 2025 across 18 school districts.
• New Orleans Culinary & Hospitality Institute (NOCHI)minorStrategic or Co-development PartnerCredit Human supports scholarships for NOCHI's 100-day certificate programs helping aspiring professionals get on track for well-paying jobs in the hospitality industry and long-term success in New Orleans.
• Allpoint NetworkcoreTechnology or IntegrationATM network partnership providing Credit Human members access to 55,000+ ATMs worldwide, ensuring convenient cash access when traveling or in local areas.
• GreenPathminorStrategic or Co-development PartnerFinancial wellness partnership featuring co-branded podcast content including 'Real Stories Episode 19 – Real Stories Live: Family Lessons About Money' on topics of family financial wellness.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Security Service Federal Credit Union: Large federally chartered credit union also headquartered in San Antonio, Texas, offering a comparable retail deposit and consumer lending suite to Texas and nationwide members. Direct competitor for Credit Human's San Antonio market share.
• Randolph-Brooks Federal Credit Union (RBFCU): Texas-based federally chartered credit union serving a large membership with checking, savings, consumer loans, and mortgage products. Comparable asset scale and member-owned cooperative model.
• VyStar Credit Union: Large federally chartered credit union offering full-service consumer banking including manufactured housing-adjacent lending and digital-first features. Comparable member scale and multi-state footprint.
• SchoolsFirst Federal Credit Union: Federally chartered, member-owned credit union with a defined-field membership model and comprehensive consumer lending. Comparable Select Group-style B2B acquisition approach and community-driven positioning.
• Alliant Credit Union: Federally chartered digital-first credit union with national membership and a comparable product set (free checking, credit cards, consumer loans). Competes for Credit Human's digitally acquired members outside Texas.
• 21st Mortgage Corporation: Specialized manufactured housing lender and a direct competitor to Credit Human's CU Factory Built Lending and Mountainside Financial manufactured home loan platforms nationally.

Broad incumbents

• Frost Bank: Major Texas-headquartered commercial and retail bank serving San Antonio with deposit, lending, and wealth products. Competes head-to-head with Credit Human in the San Antonio retail banking market with broader capital-markets capabilities.
• Pentagon Federal Credit Union (PenFed): Large, multi-state federally chartered credit union offering nationwide consumer banking, mortgages, and credit cards. Competes for Credit Human's digital members across the 43 states it serves, particularly military-affiliated segments.

Emerging players

• GreenPath Financial Wellness: Financial wellness counseling and education provider that partners with credit unions (including Credit Human via co-branded podcast content). Comparable mission of serving underbanked consumers through education.

Others

• Experian: Consumer credit bureau and credit-monitoring provider. Credit Human offers free credit score monitoring via Experian data, positioning Experian as both potential partner and incumbent infrastructure layer.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/credithuman
• LinkedInlinkedin.com/company/credithuman
• Instagraminstagram.com/credithuman

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Credit Human