What Meadows Bank does

Meadows Bank, operating under the legal name Meadows Financial, is the commercial and consumer banking division of America First Credit Union, a member-owned cooperative credit union. The institution provides a full suite of retail banking products to individuals and small-to-medium businesses, including business and personal checking, savings, money market accounts, and certificates of deposit; commercial loans, SBA 7(a) and 504 loans, HOA loans, and personal loans; and ancillary fee-based services such as merchant processing and treasury management. Distribution is omnichannel, spanning physical branches (concentrated in the Western US with emphasis on Nevada, including Minden, NV), a full-featured online banking platform, iOS and Android mobile applications, and direct relationship-managed phone and in-person support (business line 702-471-2265).

The underlying technology stack is assembled almost entirely from third-party vendor integrations rather than proprietary systems: Jack Henry provides the treasury management platform (accessed via treasury.jackhenry.com), ProfitStars supplies remote deposit capture (smartpay.profitstars.com), Zelle handles peer-to-peer payments, and the credit union's core membership and account opening workflows route through the parent America First Credit Union systems (americafirst.com). Differentiators are characterized as ease-of-use and interoperability of these vendor components rather than proprietary technology. Fraud monitoring and ATM/debit card protection are offered as security features, but no AI, API, or SDK capabilities are documented.

The revenue model is a conventional credit-union commercial-banking construct. Primary revenue is net interest income on the commercial, SBA, HOA, and consumer loan portfolios; secondary revenue comes from deposit account maintenance and transaction fees and from fee-based business services (merchant processing, treasury management, business credit card). Customer acquisition relies on relationship-based, direct-to-consumer outreach — primarily website presence, featured customer testimonials, newsletters, and word-of-mouth — rather than paid marketing. The customer base is hybrid, mixing individual consumer members with SMB and commercial real estate / HOA borrowers, with a stated value proposition of personalized service and fast decision-making compared to larger regional banks.

Name

Meadows Bank

Legal name

Meadows Financial

Website

https://meadowsbank.bank

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

51–100 employees

Short description

Meadows Bank (Meadows Financial) is the commercial and consumer banking division of America First Credit Union, serving SMBs, consumers, and HOA borrowers in the Western US with deposit products, commercial and SBA loans, treasury management, and digital banking.

Ownership category

akta.pro rank

Product category

Commercial & Consumer Banking

NAICS

Credit Unions (522130)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Commercial banking services
• Consumer deposit accounts
• Small business lending
• Credit union membership
• SBA loan programs

Headquarters

HQ city

Las Vegas

HQ country

United States

HQ region

North America

Offices1 record

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 on Loans: Traditional credit union revenue from interest earned on commercial loans, SBA loans, consumer loans, and HOA loans. Interest income constitutes the primary revenue stream for the institution.
2. Deposit Account Fees: Fees associated with business and consumer checking, savings, and money market accounts including maintenance fees, transaction fees, and service charges.
3. Business Banking Services: Merchant processing, treasury management services, and business credit card services generating fee income from business customers.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Meadows Bank (operating as Meadows Financial, a division of America First Credit Union) provides commercial and consumer banking services including deposit accounts (checking, money market, savings, and CDs), lending products (commercial, SBA, HOA, and personal loans), and digital banking tools such as online/mobile banking, Zelle, remote deposit capture, treasury management, and ATM/debit card protection. The institution focuses on relationship-based service for small and medium-sized businesses and individual consumers in the Western United States.

Product overview

Meadows Bank (also branded as Meadows Financial) operates as a credit union offering a unified suite of banking products and services. The portfolio consists of core deposit products (checking, savings, and CDs for both business and consumer segments) alongside lending products (commercial loans, SBA loans, HOA loans, and personal loans). Digital banking capabilities are delivered through online and mobile platforms with features including Zelle transfers, Remote Deposit Capture, and Treasury Management services. The bank provides additional conveniences such as ATM/debit card protection, all accessible through its branded digital banking channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Checking & Money Market Business deposit accounts offering checking and money market options with features such as online banking, wire transfers, and merchant processing services, targeted at small and medium-sized business customers.
• Business Savings & CDs
• Cash Management
• Personal Checking & Money Market
• Personal Savings & CDs
• Commercial Loans
• SBA Loans
• HOA Loans
• Personal Loans
• Online/Mobile Banking – Consumer
• Online/Mobile Banking – Business
• Remote Deposit Capture
• Treasury Management
• Zelle Peer-to-Peer Payments
• ATM/Debit Card Protection

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core and supporting.

• America First Credit UnioncoreStrategic or Co-development PartnerMeadows Financial operates as a division of America First Credit Union, leveraging the credit union's infrastructure, membership base, and regulatory framework. Members are welcomed as America First Credit Union members, and Meadows serves as the business/commercial banking division with shared systems and services.
• Jack Henry (Treasury Management)coreTechnology or IntegrationJack Henry provides the treasury management platform for Meadows Financial business customers. The treasury.jackhenry.com platform enables business clients to access cash management, wire transfers, and treasury services.
• ProfitStars (Remote Deposit)supportingTechnology or IntegrationProfitStars provides the remote deposit capture solution for business customers, accessible through smartpay.profitstars.com, enabling electronic check deposits.
• ZellecoreTechnology or IntegrationMeadows Financial offers Zelle payment integration as part of its digital banking services, enabling members to send and receive payments through the Zelle network.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• One Nevada Credit Union: Direct Nevada-based credit union serving consumer and SMB members with comparable deposit, loan, and digital banking offerings. Closest geographic and product-market competitor to Meadows in the Las Vegas/Reno catchment.
• Silver State Schools Credit Union: Another major Nevada-headquartered credit union with consumer and business banking products. Overlaps directly with Meadows on SMB lending, savings, and digital banking, and competes for the same member households in the Las Vegas metro.
• Boulder Dam Credit Union: Nevada community credit union offering consumer and small business banking. Comparable in size and product breadth to Meadows with similar relationship-banking positioning in the same regional market.
• First Tech Federal Credit Union: Large U.S. credit union with strong SMB banking and digital capabilities. Comparable business model focused on relationship banking for SMB members, with similar SBA lending and treasury management offerings.
• Alliant Credit Union: Digital-first national credit union with consumer and small business banking. Comparable credit union model though significantly larger scale; competes for the same digitally-engaged SMB and consumer segments Meadows targets.
• Bethpage Federal Credit Union: Large multi-state credit union with consumer and business banking products. Similar SMB-focused product suite and relationship-banking ethos; broader geographic reach than Meadows but directly comparable operating model.

Broad incumbents

• America First Credit Union: Parent organization of Meadows Financial and one of the largest U.S. credit unions. Provides infrastructure, membership base, and regulatory framework; competes indirectly where AFCU's own consumer/SMB products overlap with Meadows' business banking niche.

Regional players

• Pacific Western Bank: Western U.S. commercial bank with significant SMB and middle-market lending orientation. Compares to Meadows on SBA lending and CRE exposure but operates at substantially larger scale and as a bank rather than credit union.
• Western Alliance Bancorporation: Phoenix-headquartered bank holding company with significant Nevada and Western U.S. SMB/commercial banking operations. Comparable regional commercial loan book and HOA/CRE exposure, though at much larger asset scale.

Emerging players

• Sunrise Banks: Minnesota-based community bank with notable SBA lending and HOA/community association banking programs. Comparable on SBA 7(a)/504 and HOA lending niches where Meadows competes, with similar mission-driven positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Meadows Bank