What Maps Credit Union does

Maps Credit Union is a member-owned, not-for-profit financial cooperative founded in 1935 in Oregon's Mid-Willamette Valley, originally established to serve school employees and now operating 16 branch locations across Oregon. The credit union provides a full-service retail and small-business banking platform spanning deposit products (Free Community, Passport, and President's Club Checking; Member Rewards Savings at 5.00% APY, Indexed and Premium Money Market, Summer Saver for school employees, and CDs/IRAs), lending products (auto, RV/boat, home equity, personal, share- and certificate-secured, and commercial/multi-family), three Mastercard credit card variants (Cashback, World, Platinum), wealth management, and affiliated insurance through Maps Insurance. Digital infrastructure includes iOS and Android mobile apps, mobile check deposit, mobile wallet, online account opening, and an AI-powered CXone customer experience platform that has achieved over 50% self-service interaction containment.

The credit union's revenue model is anchored in interest income from its loan portfolio, supplemented by transaction-based fees (overdraft, ATM, wire transfers) and professional services revenue from Maps Insurance, Medicare referrals via Silvur, and wealth management. Membership eligibility extends to anyone living or working in the Willamette basin, and the institution maintains community giving through the Maps Community Foundation, including teacher grants, scholarships, and local sponsorships (e.g., OSAA high school athletics).

Strategically, Maps is pursuing a dual expansion path. On the inorganic side, it completed the acquisition of Lewis & Clark Bank in April 2025 and co-acquired the AI-powered financial wellness platform Pocketnest with Reseda Group in October 2025. On the cooperative side, it has invested in two emerging CUSOs in the first half of 2026: Delfi Labs (AI-powered balance sheet analytics) and Goodbuy (small business marketplace). It also operates a wholly-owned Lewis & Clark Bank subsidiary, Maps Insurance agency, and the Maps Community Foundation, alongside The Dot, a public café at its downtown Salem branch. The leadership team is led by President & CEO Mark Zook with Scott Sadler as Chief People Officer.

Name

Maps Credit Union

Legal name

Maps Credit Union

Website

https://mapscu.com

Company type

Private

Founded year

1935

Operating status

Operating

Headcount range

251–500 employees

Short description

Maps Credit Union is a member-owned, not-for-profit financial cooperative founded in 1935, operating 16 branches across Oregon and serving individuals, school employees, and businesses in the Willamette basin with deposits, loans, credit cards, and digital banking.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

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

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

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

akta.pro secondary industries

Business / Corporate Credit Cards (FSAKABAF), Co-Branded Credit Cards (FSAKABAB)

Keywords

• Retail banking services
• Consumer lending
• Community credit union
• Deposit accounts
• Commercial loan services

Headquarters

HQ city

Salem

HQ country

United States

HQ region

North America

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Maps Credit Union generates revenue primarily through interest earned on loans including auto loans, home loans, home equity loans, personal loans, and business loans. Interest is paid by members on their borrowed funds.
2. Fee-based Services: The credit union charges various fees including overdraft fees, ATM fees, wire transfer fees, and other service charges as outlined in their fee schedules.
3. Financial Services Revenue: Revenue from Maps Insurance agency, Medicare insurance referrals (through Silvur), and other insurance products offered to members.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Maps Credit Union is a member-owned, not-for-profit financial cooperative that provides consumer and business banking services, including deposit accounts (checking, savings, money market, CDs), credit cards, consumer loans (auto, home equity, personal), business banking, commercial real estate and equipment financing, insurance products, and wealth management. Revenue is generated primarily through interest income on loans and fee-based services to its members across 16 Oregon branch locations and digital channels.

Product overview

Maps Credit Union offers a comprehensive banking platform for consumers and businesses in Oregon's Mid-Willamette Valley. The product portfolio includes core deposit products (checking, savings, money market, CDs), credit card offerings (Cashback Mastercard, World Mastercard, Platinum Mastercard), loan products (auto, home equity, personal, and commercial lending), digital banking tools, and community-focused services. The platform operates as a multi-module offering with personal banking, business banking, wealth management, insurance, and community giving as distinct but interconnected service areas. Digital tools include mobile banking, mobile wallet, and mobile check deposit. The credit union also participates in CUSO investments including Delfi (AI-powered balance sheet analytics) and Pocketnest (AI-powered financial wellness), though these are strategic investments rather than direct product offerings.

Differentiator

Problem solved

Functional benefit

Brands

• Maps Community Foundation: The philanthropic arm of Maps Credit Union that provides community grants, scholarships, teacher grants, and supports education initiatives in the Mid-Willamette Valley.
• Maps Insurance
• The Dot

Products and services

• Free Community Checking No-monthly-fee personal checking account that donates a penny per debit card transaction to the Maps Community Foundation to support community causes.
• Passport Checking Checking account targeted at members aged 55 and older with no monthly service charge and dividend earnings at 0.01% APY (requires $750 average daily balance for dividends).
• President's Club Checking Premium checking account with dividend rates up to 0.20% APY, a bonus on standard certificate accounts, free cashier checks, and unlimited ATM withdrawals (requires $750 average daily balance).
• Premium Money Market High-yield money market account with dividend rates up to 3.25% APY, unlimited access and liquidity, and a $500 minimum opening balance.
• Indexed Money Market Money market account earning half the Federal Funds Rate on balances as low as $5,000, with dividend rates up to 1.88% APY.
• Certificate of Deposit CD account with attractive rates and flexible terms ranging from 3 to 60 months, $1,000 minimum opening balance ($100 for First Step), and the option to be IRA-designated.
• Summer Saver High-yield savings account targeted at school employees offering 3.25% APY with penalty-free withdrawals and deposits funded via payroll deduction or direct deposit ($1 minimum, $2,000 monthly deposit cap).
• Cashback Mastercard Credit card offering 1% cash back on all purchases with contactless payments, no annual fee, and cell phone and rideshare purchase protection.
• World Mastercard Elite credit card with double points on travel purchases (air, hotel, restaurants, car rentals) and single points on all other purchases, with no foreign transaction fees.
• Platinum Mastercard Credit card with single points on all purchases, no annual fee, designed for rate-conscious consumers.
• Auto Loans Vehicle financing for new and used automobiles with rates as low as 5.74% APR, plus auto refinance at rates as low as 5.24% APR.
• Boat and RV Loans Financing for boats, RVs, travel trailers, ATVs, side-by-sides, and jet skis with rates as low as 7.99%–8.99% APR.
• Master Line Home Equity Line of Credit Home equity line of credit available in principal-and-interest and interest-only variants with fixed and variable rate options, a 10-year draw period, and the ability to lock in up to 3 fixed terms.
• Personal Loan Unsecured personal loans with rates as low as 15.75% APR for various borrowing needs.
• Personal Line of Credit Revolving credit line with rates as low as 13.65% APR, usable for overdraft protection and ongoing borrowing needs.
• Share Secured Loan Secured loan borrowing against a share account at 9.00% APR.
• Certificate Secured Loan Secured loan borrowing against a certificate account at certificate rate plus 2.00% APR.
• Business Checking Business checking account with digital and cash management tools designed for Oregon-based business operations.
• Business Savings Business savings account offering business certificates of deposit with excess share insurance for businesses.
• Business Credit Cards Credit card products tailored to business spending needs.
• Business Lines of Credit Revolving credit facilities designed for business operational needs and working capital.
• Commercial Loans Commercial financing including multi-family and apartment financing, commercial/industrial loans, and commercial equipment loans for Oregon businesses.
• Digital Banking & Mobile App 24/7 mobile and online banking platform providing account access, mobile check deposit, bill payment, account management, online account opening, and skip-a-payment for loans, available on iOS and Android.
• Mobile Wallet Digital wallet integration enabling members to use Maps Credit Union cards for mobile payments from their phones.
• Maps Insurance Insurance products and services including commercial insurance for business members and loan protection, offered through the credit union's affiliated insurance agency.
• Early Paycheck Service allowing members to access direct deposit funds up to two days early.
• Bitcoin ATM Bitcoin ATM service for cryptocurrency transactions, available at Maps Credit Union branch locations.

Named customers5 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Delfi Labs Inc.coreStrategic or Co-development Partner · 15 February 2026Maps Credit Union joined as an early investor and adopter in a new CUSO led by One Washington Financial (holding company of Washington State Employees Credit Union) that will provide AI-powered balance sheet analytics and asset-liability management solutions to credit unions nationwide. Delfi's technology enables participating credit unions to improve interest-rate risk management, protect margins, and make scenario-driven decisions.
• Reseda GroupcoreStrategic or Co-development Partner · 30 October 2025Reseda Group (wholly owned CUSO of MSU Federal Credit Union) partnered with Maps Credit Union to acquire Pocketnest, an AI-powered financial wellness platform. The acquisition aims to enhance member experience through AI-driven personalization and financial insights for long-term financial health.
• Maps InsurancecoreStrategic or Co-development PartnerMaps Insurance is an affiliated insurance agency offering personal and commercial insurance products to Maps Credit Union members. Located at mapsinsurance.com.
• GreenlightminorStrategic or Co-development PartnerMaps Credit Union partners with Greenlight (greenlight.com/maps) to offer a money app for kids and teens, providing financial education and supervised spending for young members.
• GreenPath Financial WellnessminorStrategic or Co-development PartnerMaps Credit Union offers free credit coaching and financial wellness resources through GreenPath Financial Wellness partnership, providing members with financial education and counseling services.
• Silvur (Medicare Insurance)minorStrategic or Co-development PartnerMaps Credit Union refers members to Silvur for Medicare insurance services, offering specialized insurance products for seniors.

Scale indicators4 records

Recent moves9 records

Expansion highlights6 records

Broad incumbents

• BECU (Boeing Employees Credit Union): Large Pacific Northwest member-owned credit union serving employer groups with full-service consumer and commercial banking. Overlaps Maps on community cooperative structure but operates at much greater scale and broader reach.
• Alliant Credit Union: Large online-first credit union offering high-yield savings and consumer lending nationally. Competes with Maps for member-funded deposits and signals the direction digital-first credit unions are heading.

Direct peers

• Oregon State Credit Union: Statewide Oregon credit union with consumer and business banking products competing head-to-head with Maps in the Willamette Valley region. Operates as a not-for-profit cooperative with similar product breadth.
• OnPoint Community Credit Union: Oregon-based community credit union headquartered in Portland with a broad consumer and commercial product set and similar Willamette Valley reach. Direct competitor for retail deposits, loans, and member growth in Maps' geography.
• SchoolsFirst Federal Credit Union: The largest U.S. credit union serving school employees, with a Summer Saver-style product line and deep education-segment focus. Most direct functional peer to Maps' school-employee anchor strategy.
• SELCO Community Credit Union: Oregon-based community credit union serving Lane County and central/southern Oregon with similar consumer lending, mortgage, and deposit products. Closely comparable in scale, mission, and member-owned cooperative structure.
• Rogue Credit Union: Oregon community credit union serving the Rogue Valley with comparable consumer lending, deposit products, and community foundation programs. Same regulatory and not-for-profit structure as Maps.
• Columbia Credit Union: Community credit union headquartered in Vancouver, WA, just across the Columbia from Maps' Portland-metro expansion area. Directly comparable in size, member-owned model, and Pacific Northwest retail banking focus.

Regional players

• Numerica Credit Union: Inland Northwest (Washington state) community credit union with consumer and business banking products. Comparable scale, member-owned model, and community foundation-style programming.
• Pacific Cascade Federal Credit Union: Community credit union based in the Pacific Northwest serving Oregon and Washington. Comparable consumer banking and small-business lending focus, with membership eligibility in overlapping geographies.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/mapscu
• Facebookfacebook.com/pages/Maps-Credit-Union/35666292434
• Instagraminstagram.com/mapscu

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments3 records

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

Frequently asked questions about Maps Credit Union