Yantis Federal Credit Union

What Yantis Federal Credit Union does

Yantis Federal Credit Union is a federally chartered, member-owned cooperative financial institution headquartered in Yantis, Texas. Founded in August 1955 by H.E. Coker and a group of local residents under the "people helping people" philosophy, it operates under a community charter from the National Credit Union Administration, with member deposits insured by the NCUSIF up to at least $250,000. Its membership eligibility extends to residents of Hopkins, Rains, and Wood Counties in Northeast Texas, served from a single main-branch location with business hours of 8:30am–4:00pm Monday–Friday.

The credit union delivers a full retail banking suite organized around two product groups: deposit products (Share Savings, Share Draft Checking, and Certificates of Deposit) and lending products (auto loans, boat loans, agriculture and equipment loans, real estate loans, home purchase, and home improvement loans). Underlying technology is a standard digital-banking stack comprising a native iOS/Android mobile app ("Yantis FCU Mobile") and a web-based home banking platform, supplemented by Remote Deposit Capture, Visa debit cards, Apple Pay compatibility, QuickBooks account sync, and the Card Suite Lite fraud-protection app. Third-party integrations include Card Suite Lite, Apple Pay, QuickBooks, Visa, Flex Pay bill pay, and a Sallie Mae referral channel for student lending that exceeds the credit union's underwriting capacity.

Its business model is a classic credit-union net-interest-margin operation: funds are gathered through member share deposits and CDs and deployed into consumer, vehicle, agricultural, and real estate loans, with ancillary fee revenue from debit interchange, overdraft, and loan protection insurance. Distribution is overwhelmingly community-led, relying on word-of-mouth within the three-county service area, the single Yantis branch, phone banking, and the digital channels described above; the institution employs approximately 14 staff including a CEO/Manager, Compliance Officer, Member Services Director, and bilingual teller and lending personnel.

Name

Yantis Federal Credit Union

Legal name

Yantis Federal Credit Union

Website

https://yantisfcu.com

Company type

Private

Founded year

1955

Operating status

Operating

Headcount range

1–10 employees

Short description

Yantis Federal Credit Union is a federally chartered, member-owned cooperative bank founded in 1955, serving individuals and families in Hopkins, Rains, and Wood Counties of Northeast Texas with deposit accounts, consumer and agricultural loans, and digital banking via mobile app and home banking.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Credit Unions (52213)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

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

akta.pro secondary industries

Agricultural & Rural Cooperatives (Farm Credit/Co-op Banks) (FSABAEAG), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Community credit union
• Consumer lending
• Deposit accounts
• Agricultural loans
• Digital banking

Headquarters

HQ city

Yantis

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: Primary revenue stream from interest charged on various loan products including auto loans, boat loans, agriculture/equipment loans, real estate loans, home purchase, and home improvement loans.
2. Share Savings Deposits: Members deposit savings into share accounts, which the credit union uses to fund loans. Returns paid to members as dividends.
3. Certificate of Deposit Products: Time deposits with fixed terms that provide stable funding and generate fee income.
4. Share Draft Checking: Checking account services potentially generating overdraft fees and interchange revenue.
5. Debit Card Services: Debit card issuance and associated interchange fees from merchant transactions.
6. Insurance Products: Loan protection insurance including life and disability insurance offered through the credit union.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels3 records

Core offering

Yantis Federal Credit Union is a federally chartered, member-owned cooperative that provides retail banking products and services to individuals and families in Hopkins, Rains, and Wood Counties in Northeast Texas. Its core offerings include share savings accounts, share draft checking, certificates of deposit, a Visa debit card, and a lending portfolio spanning auto, boat, agricultural and equipment, real estate, home purchase, and home improvement loans. Members access these products through a physical branch, ATM network, telephone banking, web-based home banking, and native iOS/Android mobile applications.

Product overview

Yantis Federal Credit Union operates as a single credit union offering a unified suite of financial products. The core portfolio includes Share Savings, Share Draft Checking, and Certificate of Deposits for deposit services; Visa Debit Cards with Apple Pay and Card Suite Lite fraud protection for payments; Home Banking and Yantis FCU Mobile App for digital banking access; and a comprehensive loan program covering Auto Loans, Boat Loans, Agriculture & Equipment Loans, Real Estate Loans, Home Purchase Loans, and Home Improvement Loans. Supporting services include Remote Deposit Capture, Direct Deposits, Flex Pay Bill Pay, QuickBooks integration, and ATM services. The products function as an integrated banking ecosystem where members can access accounts through multiple channels (online, mobile, in-person) and manage both deposits and lending from a single institution.

Differentiator

Problem solved

Functional benefit

Products and services

• Share Savings
• Share Draft Checking
• Certificate of Deposit
• Visa Debit Card
• Auto Loans
• Boat Loans
• Agriculture & Equipment Loans
• Real Estate Loans
• Home Purchase Loans
• Home Improvement Loans
• Loan Protection Insurance
• Home Banking (Online Banking Platform)
• Yantis FCU Mobile Banking App
• Remote Deposit Capture
• Flex Pay Bill Pay
• ATM Services

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core.

• Card Suite LitecoreTechnology or IntegrationCard Suite Lite is the mobile fraud protection app promoted by the credit union for debit card security. The credit union transitioned from My Mobile Money to Card Suite Lite, which offers enhanced security features. Members are actively encouraged to download and enroll.
• Apple PaycoreTechnology or IntegrationYantis Federal Credit Union's Visa debit card is compatible with Apple Pay for contactless payments in stores, apps, and websites. The credit union actively promotes Apple Pay usage, listing major retail partners where Apple Pay is accepted.
• National Credit Union Administration (NCUA)coreOthersNCUA is the federal regulator of federal credit unions and administers the NCUSIF (National Credit Union Share Insurance Fund) which insures member deposits up to at least $250,000. The credit union is federally chartered and insured by NCUSIF.
• America's Credit Unions (CUNA)coreOthersYantis Federal Credit Union is a member of America's Credit Unions (formerly Credit Union National Association - CUNA), the primary trade association and lobbying organization for credit unions in the United States.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Neches Federal Credit Union: Small federally chartered community credit union serving the East Texas region. Closely comparable to Yantis FCU in size, charter scope, and Texas rural community banking model with similar consumer and real estate lending focus.
• Resource One Credit Union: Texas-based community-charter credit union serving members across multiple counties. Comparable in offering a full suite of deposit, consumer loan, and digital banking services to a defined membership geography.
• Texas Trust Credit Union: Small community credit union headquartered in Texas. Direct peer given similar community-charter model, deposit and consumer lending products, and member-owned cooperative structure.

Broad incumbents

• Randolph-Brooks Federal Credit Union (RBFCU): One of the largest credit unions in Texas with very broad field-of-membership. Operates the same federally chartered, NCUSIF-insured credit union model as Yantis FCU but at materially greater scale and geographic reach.
• Security Service Federal Credit Union: Large Texas-based federal credit union offering full deposit, consumer, real estate, and commercial services. Overlaps with Yantis FCU on core products but competes in a much broader territory and at greater scale.
• EECU (Local Government Federal Credit Union): Texas federal credit union serving a defined membership segment with full consumer banking, lending, and digital capabilities. Comparable business model as a federally chartered, NCUSIF-insured cooperative institution.

Regional players

• Prosperity Bank: Texas-headquartered community/commercial bank with deep presence across many of the same rural and small-town markets Yantis FCU serves. Competes directly for local deposits, auto loans, and mortgage lending within the three-county footprint.

Emerging players

• Chime: Digital-first consumer banking platform targeting broad US consumers without physical branches. Emerges as an indirect competitor for Yantis FCU members, particularly those seeking lower-fee digital deposit accounts.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

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 Yantis Federal Credit Union