CSE Federal Credit Union

What CSE Federal Credit Union does

CSE Federal Credit Union is a federally chartered, member-owned cooperative credit union headquartered in Lake Charles, Louisiana, founded in 1943 and operating under NCUA regulation with federal deposit insurance. It serves individual and small-to-medium business members across Southwest Louisiana through a five-branch physical network (Lake Charles, Sulphur, Moss Bluff, Jennings, DeRidder) combined with digital banking channels, and its membership eligibility is tied to the Calcasieu Parish field of membership. The institution provides a full retail and commercial banking suite including checking, savings, money market, certificates/IRA, the BlueRoof-branded credit card line, mortgages, home equity, auto, consumer, student, and SBA loans, plus merchant services, treasury management, and TruStage insurance products. Financial education is delivered through the SMART Financial Education Center powered by Banzai.

The core technology platform is built on Fiserv, powering CSE Online web banking and the CSE Mobile iOS/Android application, which provide 24/7 account access, transfers, bill payment, mobile check deposit via remote deposit capture, card management, and Zelle-powered person-to-peer payments. Card transactions are routed through Visa, with fraud detection handled by Visa; ATM access is enabled through PLUS, Pulse, and Culiance networks and the CO-OP shared branching network extends physical access nationwide. Loan origination, online account opening, and mortgage applications flow through Fiserv-hosted origination and mortgage platforms. The product architecture is unified-platform rather than modular — channels (web, mobile, phone, in-person) all sit on the same Fiserv core rather than on separately licensed add-ons.

Revenue is generated primarily through net interest income on the lending book (mortgages, auto, consumer, SBA, credit cards), supplemented by transaction-based non-interest income including deposit account fees, debit/credit interchange (including Visa foreign transaction fees of 1.00% multi-currency / 0.80% single-currency), electronic banking and bill payment fees, and merchant services revenue. Pricing is volume-led at the consumer level, anchored by a Rewards Checking product paying 3.25% APY on balances up to $20,000 with qualification tiers, supplemented by promotional pricing such as an $800 lender credit on qualifying mortgages (May–December 2026) and up to $500 cash-back auto-loan loyalty rebates. The institution does not publicly disclose a fee schedule, and total revenue is not disclosed in available sources.

Name

CSE Federal Credit Union

Legal name

CSE Federal Credit Union

Website

https://csefcu.org

Company type

Private

Founded year

1943

Operating status

Operating

Headcount range

101–250 employees

Short description

CSE Federal Credit Union is a federally chartered, member-owned cooperative credit union founded in 1943, serving individual and small-business members across Southwest Louisiana through five branches plus Fiserv-powered digital banking, with deposits, lending, credit cards, and insurance.

Ownership category

akta.pro rank

Product category

Retail Banking (Credit Union)

NAICS

Credit Unions (52213), Credit Card Issuing (52221), Depository Credit Intermediation (5221)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

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

akta.pro secondary industries

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

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

Headquarters

HQ city

Lake Charles

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: Primary revenue stream from interest charged on mortgage loans, auto loans, personal loans, credit cards, and business loans. The credit union offers various loan products including conventional mortgages, home equity loans, construction loans, SBA loans, and consumer lending.
2. Deposit Account Fees and Charges: Fees from overdraft protection services, ATM usage (third-party ATMs), wire transfers, stop payments, and account maintenance.
3. Credit and Debit Card Interchange: Revenue from Visa Check Card and credit card transactions, including foreign transaction fees (1.00% multiple currency, 0.80% single currency).
4. Electronic Banking Services: Fees from bill payment services, digital banking access, and electronic fund transfers. Mobile remote deposit has no current charge.
5. Business Services: Revenue from merchant services, treasury management, business credit cards, and business lending including SBA loans.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

CSE Federal Credit Union is a federally chartered, member-owned credit union offering personal and business banking products including checking, savings, money market, certificates/IRAs, BlueRoof credit cards, mortgages, home equity, construction and land loans, auto and consumer loans, SBA and small-business lending, merchant services, and treasury management. Distribution occurs through 5 branches in Southwest Louisiana, a Fiserv-powered online and mobile banking platform, Zelle P2P payments, shared branching, and ATM networks.

Product overview

CSE Federal Credit Union offers a comprehensive suite of financial products and services through a multi-channel delivery model. The core offerings include personal and business deposit accounts (checking, savings, money market, certificates/IRA), credit cards under the BlueRoof brand, and various lending products including home mortgages with a promotional $800 closing cost credit, auto loans with loyalty rebates up to $500, consumer loans, and business loans including SBA options. Digital banking is delivered through CSE Online (web), CSE Mobile App (powered by Fiserv for iOS/Android), CSE Voice (phone banking), and CSE Bill Pay. P2P payments are enabled through Zelle integration. The credit union also provides merchant services, treasury management for businesses, TruStage insurance products, and financial education through its SMART Financial Education Center. The product architecture follows a unified platform approach with multiple access channels (web, mobile, phone, in-person) rather than modular add-ons.

Differentiator

Problem solved

Functional benefit

Brands

• BlueRoof Credit Card: A credit card brand offered by CSE Federal Credit Union with various card options including the BlueRoof Business Credit Card.
• CSE Mobile

Products and services

• Checking Accounts Personal checking account products including Rewards Checking (up to 3.25% APY on balances up to $20,000 with qualifications) and a free basic checking account with dividends, available to consumer members.
• Savings Accounts Personal savings products including regular share savings, money market accounts, certificates/IRAs, and the Raisin' Change youth savings program.
• Kid & Teen Accounts Minor savings accounts including the Raisin' Change program designed to teach financial literacy to children and teens.
• BlueRoof Credit Cards Proprietary BlueRoof-branded consumer credit cards with multiple benefit tiers, competitive rates, and no annual fees, available to personal members.
• Home Loans Residential mortgage products including conventional mortgages, home equity loans, construction loans, land financing, and refinancing options.
• $800 Closer to Home Promotion Limited-time promotional offer providing an $800 lender credit toward closing costs on qualifying new and refinanced conventional mortgage loans financed during the promotion period.
• Auto Loans Vehicle financing for new and used automobiles with competitive rates, pre-approval options, and Loyalty Rebates offering up to $500 cash back.
• Consumer Loans Personal loans for various consumer purposes including boats, RVs, motorcycles, ATVs, and heavy equipment, with relationship pricing available.
• Student Loans Education financing products for college expenses with competitive rates for members.
• Business Savings Business deposit products including business savings accounts, business money market accounts, and business share certificates.
• Business Checking Business checking account with features designed for business operations and cash management needs.
• Business Loans Business lending products including real estate loans, equipment loans, vehicle loans, lines of credit, marketing loans, and SBA loans for small and mid-sized businesses.
• Merchant Services Payment processing services for business merchants, including Bazing for Merchants, enabling card acceptance at the point of sale.
• Treasury Management Business cash management services, including an online treasury management platform, providing tools for managing business finances, cash flow, and payments.
• CSE Online (Digital Banking) Web-based digital banking platform providing 24/7 member access to accounts, transfers, loan payments, bill payment, and transaction history.
• CSE Mobile App Mobile banking application powered by Fiserv that enables real-time account access, money management, mobile check deposit, transfers, bill payment, and card controls on iOS and Android devices.
• Zelle Peer-to-person payment service integrated into digital banking, enabling instant money transfers using email addresses or mobile phone numbers through the Zelle network.
• TruStage Insurance Insurance products offered to members through the TruStage partnership, including credit card and loan protection insurance.

Quantifiable outcome

• 3.25% APY on Rewards Checking balances up to $20,000
• +2 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core and minor.

• FiservcoreTechnology or IntegrationFiserv powers CSE Mobile banking application providing core digital banking functionality including account access, transfers, bill payment, mobile check deposit, and card management services.
• VisacoreTechnology or IntegrationVisa provides the payment network infrastructure for CSE FCU's credit and debit cards including fraud detection services, foreign transaction processing, and card network services.
• Zelle (Early Warning Services)coreTechnology or IntegrationCSE FCU offers Zelle person-to-person payment service through partnership with Early Warning Services, enabling members to send money to friends and family.
• CO-OP Credit UnionsminorChannel Partner/ Reseller/ DistributorShared branching network partner enabling CSE FCU members to access branch services at other credit unions nationwide and vice versa.
• BazingminorChannel Partner/ Reseller/ DistributorMerchant services partner providing payment processing solutions for business members accepting card payments.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Campus Federal Credit Union: Campus Federal Credit Union is a Louisiana-based, university-affiliated FCU serving the LSU community with personal and business banking products. Comparable to CSE FCU as a Louisiana FCU operating consumer and SMB deposit/lending products, with similar membership-based cooperative structure and digital channels.
• Neighbors Federal Credit Union: Neighbors Federal Credit Union is a Baton Rouge, Louisiana-based community FCU offering checking, savings, consumer/business lending, and digital banking. Direct peer to CSE FCU given overlapping Louisiana field of membership, cooperative structure, and similar product suite targeting individuals and SMBs.
• Pelican State Credit Union: Pelican State Credit Union is a Louisiana-based community, member-owned FCU offering consumer and business banking, lending, and digital services. Directly comparable to CSE FCU as a state-wide Louisiana cooperative serving similar individual and SMB member segments with parallel product breadth (deposits, credit cards, mortgages, auto loans).

Regional players

• Bay Federal Credit Union: Bay Federal Credit Union is a Northern California coastal community FCU with comparable mid-scale cooperative structure, consumer and business banking product suite, and branch+digital distribution. Comparable community-FCU profile to CSE FCU but operating on a different California coastline.
• Patelco Credit Union: Patelco Credit Union is a Northern California-based community FCU offering consumer and business banking products. Comparable in mid-size cooperative FCU structure, product mix (checking, savings, loans, cards), and community focus, though primarily serving a different Pacific Coast geography than CSE FCU.

Broad incumbents

• BECU (Boeing Employees Credit Union): BECU is a Washington-state based community FCU, one of the largest US credit unions, offering consumer and business banking, lending, and digital services in the Pacific Northwest. Comparable cooperative model and product breadth to CSE FCU, though operating at greater scale in a different geography.
• Alliant Credit Union: Alliant Credit Union is a Chicago-based digital-first FCU offering consumer deposits, lending, and credit cards nationally. Comparable to CSE FCU as a FCU competitor in consumer banking and rewards checking category, but operates at national scale and focuses exclusively on digital acquisition.
• SchoolsFirst Federal Credit Union: SchoolsFirst FCU is a large California-based, federally chartered credit union serving K-12 and community college employees. Comparable in mission-driven cooperative model, comprehensive product suite (deposits, loans, cards, digital), and field-of-membership serving, but with substantially larger scale than CSE FCU.
• PenFed (Pentagon Federal Credit Union): PenFed is one of the largest US federal credit unions, offering a full suite of consumer and business banking, lending, and digital services nationally. Comparable as a broader FCU incumbent with overlapping product categories (checking, savings, credit cards, mortgages, auto loans), though operating at far greater national scale.
• Navy Federal Credit Union: Navy Federal Credit Union is the largest US credit union serving military members and their families with a comprehensive product suite spanning deposits, consumer and business lending, credit cards, mortgages, and digital banking. Comparable to CSE FCU in product breadth and cooperative structure but operates nationally and dwarfs it in member count and balance-sheet size.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@csefederalcu
• Facebookfacebook.com/csefederalcu
• LinkedInlinkedin.com/in/cse-fcu-28896b314
• Instagraminstagram.com/csefederalcu

Compliance1 record

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 CSE Federal Credit Union