Campus Federal

What Campus Federal does

Campus Federal Credit Union is a state-chartered, member-owned cooperative financial institution founded in 1934 by seven LSU employees and headquartered at 6230 Perkins Road in Baton Rouge, Louisiana. The credit union serves over 44,000 members through a multi-channel distribution model comprising 7 full-service branches and 9+ ATM/Interactive Teller Machine locations across three Louisiana markets (Baton Rouge, New Orleans, and Shreveport), augmented by digital banking (mobile and online), the CO-OP Shared Branching network (5,000+ branches), and the Allpoint ATM network (55,000+ ATMs worldwide). Its core technology stack includes a digital banking platform, mobile applications (iOS/Android), Campus Connect ITMs with live video teller capability, CardValet mobile card management, Early Pay early direct deposit, and Apple Pay/Google Wallet/Samsung Pay integration.

The institution operates a full-service consumer and business banking franchise organized around deposits (Lagniappe Checking at 4.50% APY, Lagniappe Lite Checking at 3.75% APY, Young Adult Checking, Campus Classic Checking, Share Savings, certificates at 3.00-3.60% APY, money market, IRA, HSA), lending (auto loans from 5.74% APR, mortgages, HELOC at 3.99% introductory APR, home equity loans, boat/motorcycle/ATV/RV/travel trailer loans, signature loans, residency and continuing education loans, business loans, credit-building loans), credit cards (Campus Prestige and Rewards Mastercards), and a business banking suite (checking, savings, credit card, merchant services, fraud services). Adjacent revenue is generated through TruStage insurance commissions (AD&D, life, auto/home, GAP, mechanical repair, credit life/disability) and wealth management via a partnership with RRDM/LPL Financial. Membership eligibility extends to LSU affiliates, 40+ Select Employee Groups spanning healthcare, government, and engineering, residents of Baton Rouge/Orleans Parish/Shreveport MSA, and American Consumer Council members.

Revenue is generated through net interest income on the loan portfolio, deposit and transaction-related fees (maintenance, overdraft, ATM, wire, card replacement, loan origination), insurance commissions, and wealth management referrals. The credit union is federally insured by the NCUA, designated an Equal Housing Lender, and GLBA/COPPA/USA PATRIOT Act compliant. Leadership is anchored by a board predominantly drawn from the LSU and Louisiana public-sector ecosystem (LSU faculty, LSU Health administration, City of Shreveport, Louisiana Community & Technical College System, FMOL Health), reinforcing the founding affiliation that defines its acquisition funnel.

Name

Campus Federal

Legal name

Campus Federal Credit Union

Website

https://campusfederal.org

Company type

Private

Founded year

1934

Operating status

Operating

Headcount range

101–250 employees

Short description

Campus Federal Credit Union is a Louisiana-based, member-owned cooperative founded in 1934 by LSU employees, serving 44,000+ members across Baton Rouge, New Orleans, and Shreveport through branches, ATMs, ITMs, and digital banking with consumer, business, insurance, and wealth products.

Ownership category

akta.pro rank

Product category

Credit Union Banking Services

NAICS

Credit Unions (52213), Credit Unions (522130), Depository Credit Intermediation (5221)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Student/University Credit Unions (FSABAEAJ)

Keywords

• Retail banking services
• Consumer lending products
• Credit union services
• Business banking solutions
• Mortgage and auto loans

Headquarters

HQ city

Baton Rouge

HQ country

United States

HQ region

North America

Offices15 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Campus Federal generates primary revenue through interest earned on loans including auto loans, home mortgages, HELOCs, signature loans, credit cards, and business loans. Interest spreads between loan rates and deposit rates.
2. Fee Income: Monthly maintenance fees, overdraft fees, ATM fees, wire transfer fees, card replacement fees, loan origination fees, and various service charges on accounts and transactions.
3. Insurance Products: Commission revenue from TruStage insurance products including AD&D, life insurance, auto/home insurance, GAP coverage, mechanical repair coverage, credit life and disability insurance.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels5 records

Core offering

Campus Federal is a Louisiana-based member-owned credit union that delivers retail and business banking services to individuals, the LSU community, and employees of partner organizations. Its core offerings include checking and savings accounts, consumer and business credit cards, vehicle and mortgage loans, HELOCs, signature and education loans, and business banking products, supported by branch, ITM, digital, and shared-branching channels.

Product overview

Campus Federal is a credit union offering a comprehensive suite of financial products and services organized into consumer and business banking categories. The consumer banking portfolio includes multiple checking account options (Lagniappe Checking, Lagniappe Lite Checking, Young Adult Checking, Campus Classic Checking) with varying yield structures, savings products (Share Savings, Certificate Accounts, Money Market, IRA, HSA, Club Savings), credit cards (Campus Prestige and Campus Rewards Mastercards), and diverse lending options spanning vehicle loans (auto, boat, motorcycle, ATV, motor home, travel trailer), home loans (mortgages, HELOC, home equity fixed loans, lot loans, unimproved acreage), signature loans, education loans (residency and continuing education), and credit-building loans. Business banking services include Business Checking, Business Savings, Business Credit Card, Business Digital Banking, Merchant Services, Business Fraud Services, and Business Loans. The institution also provides supplementary services including TruStage insurance products (AD&D, life, auto/home, GAP, mechanical repair, credit life/disability), Wealth Management Services through RRDM/LPL Financial, fraud protection tools (CardValet, Fraud Defender), reloadable and gift cards, wire transfers, safe deposit boxes, and Campus Connect ITMs for video teller services. The products operate as interconnected services within a unified membership model, where checking and savings accounts serve as the foundation for accessing loans, credit cards, and specialized services.

Differentiator

Problem solved

Functional benefit

Brands

• Campus Connect: Interactive Teller Machine (ITM) service brand that allows members to speak with remote tellers via live video chat for banking transactions.
• Lagniappe Checking
• Lagniappe Lite Checking
• Campus Classic Checking
• Young Adult Checking
• Campus Prestige Mastercard
• Campus Rewards Mastercard
• CardValet
• TruStage Insurance
• RRDM Wealth Management Partners

Products and services

• Lagniappe Checking
• Lagniappe Lite Checking
• Young Adult Checking
• Campus Classic Checking
• Share Savings
• Certificate Accounts
• Money Market Accounts
• Individual Retirement Accounts (IRA)
• Health Savings Accounts (HSA)
• Campus Prestige Mastercard
• Campus Rewards Mastercard
• Auto Loans
• Recreational Vehicle Loans (Boat, Motorcycle, ATV, Motor Home, Travel Trailer)
• Home Equity Line of Credit (HELOC)
• Home Equity Fixed Loan
• Fixed Rate Mortgages
• Adjustable Rate Mortgages (ARMs)
• Mortgage Refinancing
• Lot Loan and Unimproved Acreage
• Signature Loans
• Residency Loans
• Continuing Education Loans
• Money Wise Loans
• Share-Secured Loans
• Business Checking
• Business Savings
• Business Credit Card
• Business Digital Banking
• Merchant Services
• Business Fraud Services
• Business Loans
• Visa Reloadable, Gift, and Travel Cards
• TruStage Insurance Products
• Wealth Management Services
• CardValet
• Fraud Defender
• Early Pay
• Safe Deposit Boxes
• Wire Transfers
• Campus Connect Interactive Teller Machines (ITMs)
• Digital Banking

Named customers9 records

Segments4 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered flagship, core and minor.

• Louisiana State University (LSU)flagshipStrategic or Co-development Partner · 1 January 1934Founding partnership established in 1934 when seven LSU employees formed Campus Federal. Comprehensive partnership includes faculty, staff, student, and alumni membership eligibility; campus branch locations; LSU Workplace Financial Literacy Program since 2006; and LSU Athletics sponsorship.
• Sallie MaecoreGTM or Marketing PartnerStudent loan partnership offering undergraduate, graduate, and career training loan options for Campus Federal members pursuing education.
• RRDM | Wealth Management PartnerscoreStrategic or Co-development PartnerWealth management services partnership powered by RRDM with over 100 years of combined experience. Services include financial planning, investment advisory, retirement planning, annuities, estate strategies, and trust services offered through LPL Financial.
• LPL FinancialcoreTechnology or IntegrationRegistered investment advisor and broker-dealer providing securities and advisory services for wealth management products. RRDM representatives offer services through LPL platform.
• TruStage (CUNA Mutual Group)coreGTM or Marketing PartnerInsurance products partnership offering TruStage AD&D, life insurance, auto/home insurance, GAP coverage, mechanical repair coverage, and credit life/disability insurance programs.
• CO-OP Shared BranchingcoreChannel Partner/ Reseller/ DistributorShared branching network providing members access to conduct most transactions at more than 5,000 credit union branches nationwide.
• AllpointcoreChannel Partner/ Reseller/ DistributorATM network partnership providing members access to over 55,000 ATMs worldwide for fee-free withdrawals.
• American Consumer Council (ACC)minorGTM or Marketing PartnerCooperative agreement allowing ACC members to become Campus Federal members. ACC is a nonprofit consumer advocacy group established in 1987 with over 86,000 members.
• LSU ShreveportcoreStrategic or Co-development PartnerPartnership sponsoring LSU Shreveport Staff Senate Professional Development Mini-Conference as sponsor and keynote presenter.
• LSU Health New Orleans School of DentistrycoreStrategic or Co-development PartnerPartnership celebrating Class of 2026 graduates with Campus Federal branded celebrations and member outreach.

Scale indicators3 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Alliant Credit Union: Digital-first credit union serving members nationwide through employer-affiliation and community membership eligibility. Comparable hybrid physical/digital model with ITM-style service innovation, and a direct competitor for digitally savvy members.
• SchoolsFirst Federal Credit Union: California credit union serving school employees and their families with a similar employer-affiliated membership model. Comparable in scale (hundreds of thousands of members) and offers analogous deposit, lending, and wealth management products.
• Georgia's Own Credit Union: Community-chartered credit union with similar member-cooperative structure and product breadth (consumer, mortgage, business). Operates across the Atlanta metro with comparable ITM/digital banking investments, serving as a benchmark for mid-sized credit union operating models.
• University Federal Credit Union: A university-affiliated credit union (Texas A&M and University of Texas systems) operating on an analogous campus-anchored membership model with comparable product suite (checking, lending, ITM/digital banking). It is the closest functional analog to Campus Federal's LSU-affiliated structure.
• Baylor Credit Union: Credit union affiliated with Baylor University serving faculty, staff, students, and alumni in Waco, Texas. Comparable in scale and university-anchored member acquisition strategy, with similar consumer lending and deposit product offerings.

Broad incumbents

• Virginia Credit Union: One of the larger Virginia-based credit unions offering a full suite of consumer and business banking products with extensive branch and digital channels. Larger and more diversified than Campus Federal but operates on a similar community/employer-group member model.
• SECU (State Employees Credit Union of Maryland): Large Maryland-based credit union serving state employees and affiliated groups with comprehensive consumer and mortgage products. Operates a similar state/employer-affiliated membership model and is often cited as a benchmark for mission-driven credit unions.

Others

• CO-OP Financial Services: Operator of the CO-OP shared branching network and ATM/shared services platform that Campus Federal leverages. Not a competitor but a critical infrastructure/enabler that defines the practical footprint of Campus Federal's member reach.

Regional players

• Pelican State Credit Union: A Louisiana-based credit union serving members statewide with similar consumer and business banking products. Pelican operates in overlapping Louisiana markets including Baton Rouge, making it the most direct in-state peer competing for similar member segments.
• Louisiana USA Credit Union: Another large Louisiana-headquartered credit union with statewide presence and similar community-chartered eligibility model. It competes head-to-head for Select Employee Group relationships and community members in shared Louisiana markets.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles34 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 Campus Federal