Broadview Federal Credit Union

What Broadview Federal Credit Union does

Broadview Federal Credit Union is a member-owned, not-for-profit federal credit union chartered and regulated by the NCUA, headquartered at 4 Winners Circle in Albany, New York. It serves approximately 500,000 members across New York State through 40+ branch locations spanning the Capital Region, Syracuse, Binghamton, and Buffalo, supported by online and mobile banking platforms, a member service center (800-727-3328), and fee-free access to CO-OP and Allpoint ATM networks. The credit union offers a comprehensive retail and business banking suite: checking, savings, certificates and IRAs, four credit card variants (Lightning, World, Broadview Credit, Classic Secured), vehicle financing (Auto Advantage, lease buyout, vehicle buying services), personal and student loans, mortgages, HELOCs (fixed and variable, $0 closing costs up to $250,000), and the MAP HomeAssist down payment assistance program. Business banking includes commercial real estate lending, business credit cards, and a Broadview Mobile Branch service that brings banking to business sites.

Revenue is generated through net interest income on the loan portfolio, transaction-based fee income (overdraft, wire, stop payment), and two wholly-owned subsidiaries: Broadview Insurance Agency (home, auto, life, recreational vehicle coverage, defensive driving courses) and Broadview Wealth Management (investment and financial planning). Distribution is hybrid — physical branches plus self-serve digital channels, with a call center for inside sales and field mortgage/business lending officers. Marketing emphasizes community engagement over national advertising: the Win + Give sweepstakes, Broadview Cares Foundation, Why I Care Awards, Infrastructure Grants, Scholarships, Broadview in the Classroom (K-12 financial education), F.I.T. for Life, MoneyEdu, and the SAGE Tuition Rewards partnership with SAGE Scholars covering 400+ private colleges. The credit union has earned recurring community recognition including TU Best Of 2026, Bestie Award 2026, Saratogian Award, Bee Award, Saratoga Today Best of the Best 2026, Gazette Best of the Best 2025, Troy Best Record 2025, and a Binghamton Community Choice Awards finalist position.

In February 2026, Broadview joined the $150 million Housing Central New York Fund administered by Community Preservation Corporation, alongside Micron Technology and other regional lenders, to support housing demand from Micron's planned $100 billion semiconductor megafab in Onondaga County. HELOC products are geographically restricted to New York State and three Pennsylvania counties (Susquehanna, Bradford, Wyoming), underscoring a deliberate regional focus rather than multi-state expansion.

Name

Broadview Federal Credit Union

Legal name

Broadview Federal Credit Union

Website

https://broadviewfcu.com

Company type

Private

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Broadview Federal Credit Union is a member-owned, NCUA-chartered credit union serving approximately 500,000 members across New York State through 40+ branches and digital channels, offering retail and business banking, lending, insurance, and wealth management with a community-focused operating model.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (522130), Savings Institutions and Other Depository Credit Intermediation (52218), 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

General Purpose Credit Cards (FSAKABAA), Private Credit / Direct Lending (FSAAAHAG)

Keywords

• Retail banking services
• Consumer lending
• Mortgage lending
• Business banking
• Credit union services

Headquarters

HQ city

Albany

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income: Primary revenue source from spread between interest earned on loans (mortgages, vehicle loans, personal loans, credit cards, HELOCs) and interest paid on deposits (checking, savings, certificates, money market accounts). Credit union returns profits to members through better rates on loans and deposits.
2. Fee Income: Various account and service fees including overdraft fees, ATM fees at non-network ATMs, wire transfer fees, stop payment fees, and other transaction-based charges. Some fee categories have reduced or no fees for qualifying accounts.
3. Subsidiary Services: Revenue from wholly-owned subsidiaries including Broadview Insurance Agency (offering insurance products) and Broadview Wealth Management (investment and wealth management services).

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

Broadview Federal Credit Union is a member-owned, not-for-profit federal credit union that provides personal and business banking products, including checking, savings, certificates, credit cards, vehicle loans, personal loans, mortgages, HELOCs, and student loans. It also offers insurance through Broadview Insurance Agency and investment/wealth management services through Broadview Wealth Management, serving nearly 500,000 members across 40+ branches in New York State.

Product overview

Broadview Federal Credit Union offers a comprehensive suite of financial products and services organized around personal banking, business banking, lending solutions, and community engagement. The core banking platform includes checking, savings, and certificate accounts with digital banking capabilities. Lending products span consumer categories (vehicle loans, personal loans, credit cards, student loans) and real estate (mortgages, HELOCs, home purchase assistance via MAP HomeAssist). The credit union operates subsidiaries for insurance (Broadview Insurance Agency) and wealth management (Broadview Wealth Management). Educational offerings include MoneyEdu, F.I.T. for Life, and the SAGE Tuition Rewards program in partnership with SAGE Scholars. Community programs encompass the Broadview Cares Foundation, Giving for Good, Why I Care Awards, Infrastructure Grants, and Broadview in the Classroom financial education. The portfolio includes specialized products like the Accelerate Youth Program, IDProtect fraud protection, and business services including commercial real estate lending and mobile branch access.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking Accounts

Quantifiable outcome

• 3.75% APY on 18-month certificates
• +3 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• Community Preservation CorporationcoreStrategic or Co-development Partner · 19 February 2026CPC administers the $150 million Housing Central New York Fund, a public-private revolving loan fund capitalized with $30 million from Empire State Development and $120 million from private partners. The fund accelerates mixed-income housing development across six Central New York counties.
• SAGE ScholarscoreStrategic or Co-development PartnerPartnership provides Tuition Rewards program enabling members to earn points on checking, savings, and certificate balances redeemable for tuition discounts at 400+ private colleges and universities. Members receive 1,000-point bonus at sign-up. Points equaling 1.25% of account balances accumulate automatically. SAGE Prime program offers additional 10%+ discounts on graduate studies.
• CO-OP and Allpoint ATM NetworkscoreTechnology or IntegrationPartnership with CO-OP and Allpoint ATM networks provides members fee-free ATM access across thousands of locations. Members do not pay surcharge fees at these network ATMs.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Empower Federal Credit Union: New York-based federal credit union headquartered in Syracuse, serving Central and Upstate NY with comparable consumer banking, mortgage, vehicle, and business products. Most direct peer given overlapping geography, federal charter, and member base.
• Sunmark Credit Union: NY State-headquartered credit union offering consumer deposits, mortgages, vehicle loans, and business banking across the Capital Region and upstate NY. Direct peer with overlapping branch footprint and product mix.
• Capital Communications Federal Credit Union: Albany-based federal credit union operating in the same Capital Region as Broadview. Comparable personal/business banking, mortgage, and member-focused community model; direct peer due to overlapping charter type and geography.
• Bethpage Federal Credit Union: Large New York federal credit union with comprehensive consumer and business banking, mortgage, and wealth services. Comparable as a NY-based federal credit union at similar scale, with overlapping product suite and digital offering.
• Hudson Valley Credit Union: NY-based credit union serving the Hudson Valley region adjacent to Broadview's Capital Region market with similar consumer and business banking products. Direct geographic and product peer.
• Teachers Federal Credit Union: Large Long Island-based federal credit union offering similar full-service consumer banking, mortgage, and lending products to NY members. Comparable federal-charter credit union serving New York consumers.

Broad incumbents

• Connexus Credit Union: Large national credit union with comprehensive digital banking, mortgages, and consumer lending products. Comparable as a scaled credit union with strong digital and consumer-lending capabilities, though operating nationally rather than regionally.
• Alliant Credit Union: One of the largest US credit unions, offering national digital banking, mortgages, and consumer lending with similar product breadth to Broadview. Comparable as a large, digitally focused credit union though not geographically overlapping.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/broadviewfcu
• Facebookfacebook.com/broadviewfcu
• LinkedInlinkedin.com/company/broadview-federal-credit-union
• Instagraminstagram.com/Broadviewfcu_

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments1 record

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

Frequently asked questions about Broadview Federal Credit Union