What Marshland Credit Union does

Marshland Credit Union is a community-chartered, member-owned credit cooperative headquartered in Brunswick, Georgia, operating under NCUA supervision and serving residents of 16 southeast Georgia counties (Appling, Brantley, Bryan, Camden, Charlton, Chatham, Clinch, Echols, Effingham, Glynn, Liberty, Long, McIntosh, Pierce, Ware, Wayne). The institution provides a full suite of retail and small-business banking products through six full-service branches and three ITM-only locations, plus nationwide access via the CO-OP shared branching network (5,000+ branches, 80,000+ ATMs). Core product lines span three checking tiers (Basic, Rewards, Plus), savings vehicles (Primary, Regular, Money Market, Share Certificates, Christmas Club, IRAs), consumer and commercial lending (auto/RV, mortgage, HELOC, personal line of credit, business CRE, equipment, commercial vehicles, working capital lines), and a Visa credit card at 9.90% APR with ScoreCard Rewards.

Underlying technology combines a BankJoy-powered mobile app (iOS and Android), MarshNet online banking, and MarshLine audio response teller, with Apple Pay, Google Pay, Samsung Pay, and Zelle integrations. Identity verification for shared-branching transactions uses Socure DocV-based IDCheck. The credit union embeds TruStage insurance (auto/home, AD&D up to $300,000) and IWS vehicle protection (GAP Plus, Mechanical Breakdown) into the member lifecycle, alongside Benefield Law-based estate planning services.

Revenue is generated primarily through net interest margin on the loan portfolio (auto, mortgage, commercial, personal), transaction-based fees ($32 overdraft, $35 Skip-a-Pay, monthly account fees of $5.95-$6.95 waivable with minimum balances), and partnership economics from insurance and vehicle protection sales. Member segments span individual consumers (primary), small businesses, and community professionals (educators, healthcare workers, first responders), acquired via community-led go-to-market motions including local event sponsorships, chamber and school partnerships, and digital enrollment.

Name

Marshland Credit Union

Legal name

Marshland Credit Union

Website

https://marshlandcu.com

Company type

Private

Founded year

1964

Operating status

Operating

Headcount range

11–50 employees

Short description

Marshland Credit Union is a community-chartered credit cooperative headquartered in Brunswick, Georgia, serving residents of 16 southeast Georgia counties through six branches, three ITMs, the CO-OP shared-branching network, and a BankJoy-powered mobile app, offering deposit, consumer, and small-business lending products.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Credit Unions (52213)

SIC

Savings Institutions, Not Federally Chartered (6036), Personal Credit Institutions (6141)

akta.pro primary industry

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

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

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

Headquarters

HQ city

Brunswick

HQ country

United States

HQ region

North America

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: Marshland Credit Union generates primary revenue through interest income on various loan products including auto loans, mortgages, personal loans, and business loans. The credit union offers competitive rates on vehicle financing, home mortgages, and commercial lending.
2. Deposit Account Fees and Services: Revenue generated from various account-related fees including overdraft fees ($32 per overdraft), monthly service fees on certain account tiers, transaction fees for exceeding free transaction limits, and various account service charges.
3. Insurance Products: Partnership revenue through TruStage insurance products including auto/home insurance, AD&D insurance, and ancillary insurance products offered to members.
4. GAP and Mechanical Protection Products: Revenue from Guaranteed Auto Protection (GAP) Plus and Mechanical Breakdown Protection (Vehicle Service Agreements) offered through IWS, including pricing for various coverage tiers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Marshland Credit Union is a community-chartered, not-for-profit financial cooperative that provides deposit accounts, consumer and business loans, mortgages, credit cards, and digital banking services to individuals and small businesses across 16 Southeast Georgia counties. Members access the institution through six full-service branches, three Interactive Teller Machine locations, the MarshNet online platform, the BankJoy mobile app, the MarshLine audio response system, and the nationwide CO-OP shared branching network, with deposits federally insured by the NCUA up to $250,000.

Product overview

Marshland Credit Union is a full-service financial institution offering a comprehensive suite of banking products and services through six branch locations across Georgia, digital banking platforms, and a shared branching network. The core product portfolio spans three account tiers (Basic, Rewards, Plus checking), multiple savings options (Primary, Regular, Money Market, Share Certificates, Christmas Club, IRAs), and diverse lending products including auto/RV loans, personal loans/lines of credit, mortgages/HELOCs, and business loans (commercial real estate, equipment, vehicles, working capital). The credit card program features Visa cards with ScoreCard Rewards. Digital services include BankJoy-powered mobile and online banking with Apple Pay, Samsung Pay, and Google Pay integration, Zelle P2P transfers, and CO-OP shared branching access. Insurance offerings come through TruStage partnerships, while vehicle protection products (GAP, Mechanical Breakdown) are provided via IWS. The company serves community members in 16 Georgia counties with a focus on personalized local service and financial wellness education.

Differentiator

Problem solved

Functional benefit

Products and services

• Marshland Basic Checking Basic personal checking account with no monthly fees, no minimum balance requirement, Visa debit card, direct deposit, bill pay, and Zelle transfers for individual members.
• Marshland Rewards Checking Premium personal checking account tier with $hopping rewards cash back, identity theft protection, telehealth services, health discounts, and credit monitoring for active banking members.
• Marshland Plus Checking Premium tier personal checking with tiered dividend rates up to 1.10% APY, 0.25% consumer loan rate discount, cell phone protection up to $600, identity theft protection, CD rate premiums, and insurance benefits.
• Primary Savings Foundational savings account establishing credit union membership with no minimum balance or monthly maintenance fees, linked to free Seaside checking.
• Regular Savings Account Standard personal savings account with $30 minimum deposit to establish membership, quarterly dividends on average daily balance, and 3 free transactions per quarter.
• Money Market Account Tiered-rate personal savings account with higher balances earning better rates, free digital banking, e-statements, and $2,500 minimum to avoid monthly service fee.
• Christmas Club Account Seasonal savings account for accumulating holiday expenses throughout the year with automatic fund release by October 15 and competitive dividends on the entire balance.
• Share Certificates Fixed-rate personal term deposits offering higher returns than regular savings with terms from 6 months to 5 years, providing guaranteed returns with NCUA insurance.
• Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings with Traditional and Roth options, competitive dividends, no setup or maintenance fees, and catch-up contributions for members ages 50 and older.
• Auto Loans Vehicle financing with competitive rates, terms up to 84 months, 100% financing available with approved credit, pre-approval for dealership bargaining power, and optional GAP and mechanical breakdown protection.
• Recreational Vehicle (RV) Loans Financing for motorcycles, ATVs, motorhomes, travel trailers, boats, and personal watercraft with competitive rates, pre-approval, and terms up to 15 years.
• Personal Term Loans Fixed or variable rate loans for personal needs including vehicle repairs, vacations, education, debt consolidation, or home improvements with customized repayment terms and local processing.
• Share Secured Loans Collateral-backed loans using deposit savings or certificates as security, allowing borrowers to access funds while their savings continue earning dividends.
• Personal Line of Credit Revolving personal credit line combining features of loans and credit cards with competitive rates for ongoing needs, accessible via in-person or phone transfers to checking.
• Mortgages Home purchase, refinance, and construction loans for primary residences, second homes, vacation homes, or investment properties with adjustable-rate options, local processing, and free pre-approval.
• Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity for flexible access to funds with competitive rates and customizable repayment for various ongoing needs.
• Business Loans Comprehensive business financing including commercial real estate, equipment, commercial vehicles, and working capital with competitive rates and terms customized to business needs.
• Commercial Real Estate Loans Financing for purchase, refinance, or construction of commercial properties available for owner-occupied or investment properties with competitive rates and customized repayment.
• Equipment Loans Business equipment financing with competitive rates for new or used equipment, customized terms, and streamlined application process to enhance productivity.
• Commercial Vehicle Loans Fleet and commercial vehicle financing for cars, vans, and light trucks with competitive rates and flexible terms designed for business needs.
• Working Capital Lines of Credit Revolving business credit for seasonal fluctuations, inventory, trade discounts, and working capital needs with interest-only payments on used funds.
• Business Savings Account Business savings with competitive dividends on balances of $100 or more, no monthly service fee, and digital banking for building cash reserves.
• Business Share Certificates Business term deposits with fixed rates higher than regular savings, terms from 6 months to 5 years, $500 minimum deposit, and no setup or maintenance fees.
• Business Money Market Account Tiered-rate business savings with competitive rates for higher balances, direct check writing, 6 free transactions monthly, and $2,500 minimum to avoid fees.
• Business Checking I Basic business checking account with 125 free items monthly, no minimum balance, free debit card, and online and mobile banking access.
• Business Checking II Premium business checking with 250 free items, dividends on $2,500+ balances, and a $15 monthly fee waived with minimum balance.
• Non-Profit Checking Checking account designed for non-profit organizations with 125 free items, no minimum balance, and dividends on $500+ balances.
• Visa Credit Card Unsecured Visa credit card with 9.90% APR, no annual fee, 25-day grace period, ScoreCard Rewards earning 1 point per $1 spent, travel benefits, and special rates for educators, healthcare workers, and first responders.

Quantifiable outcome

• Funds insured up to $250,000 by National Credit Union Administration
• +1 more outcomes

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• TruStage InsurancecoreGTM or Marketing PartnerMarshland Credit Union partners with TruStage for insurance products including TruStage Auto & Home Insurance Program offering discounted rates to members, and TruStage Accidental Death & Dismemberment Insurance providing $1,000 of free coverage to all members with options to purchase up to $300,000 additional coverage.
• IWS (Integrated Warranty Services)coreGTM or Marketing PartnerPartnership with IWS for Guaranteed Auto Protection (GAP) Plus and Mechanical Breakdown Protection (Vehicle Service Agreements). IWS provides extended vehicle coverage including Premier Powertrain, Bronze, Gold, and Platinum plans with features such as roadside assistance, rental vehicle coverage, and trip interruption benefits.
• CO-OP Shared BranchingcoreChannel Partner/ Reseller/ DistributorMarshland Credit Union is a member of CO-OP Shared Branching, providing access to 5,000+ shared branches and 80,000+ ATMs nationwide. This partnership allows members to access their accounts from other participating credit unions across the country.
• Socure (IDCheck)coreTechnology or IntegrationIDCheck identity verification technology powered by Socure's DocV product is used for Shared Branching withdrawals with out-of-state IDs. The system utilizes QR code scanning, ID photography, and selfie verification to combat account takeover and identity theft fraud.
• Benefield LawminorImplementation/ SI/ Consulting PartnerMarshland Credit Union partners with Benefield Law to offer estate planning services to members at discounted rates. The partnership provides members access to legal services for wills, trusts, and estate planning needs.
• Local Community OrganizationsminorGTM or Marketing PartnerPartnerships with various local organizations including Darien-McIntosh Chamber, Golden Isles Chamber, Glynn County Schools, McIntosh County Schools, Boys & Girls Club, Southeast Georgia Health System Foundation, and numerous other local civic organizations to support community initiatives.

Scale indicators5 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• Delta Community Credit Union: One of Georgia's largest credit unions headquartered in Atlanta, serving residents, employees, and businesses with full banking and lending products. Compares as a peer Georgia-chartered community credit union with a similar full-service product set, though operating at much greater scale.
• Georgia United Credit Union: Georgia-based member-owned credit union serving individuals and businesses across metro Atlanta and surrounding counties with full deposit, lending, and digital banking. Highly comparable to Marshland in state-chartered, community-catered approach, though significantly larger in asset size.
• Robins Financial Credit Union: Georgia-based member-owned credit union serving Middle Georgia with personal and business banking, loans, and digital services. Directly comparable to Marshland in community-chartered structure, member-first culture, and product mix, with similar mid-sized community footprint.
• LGE Community Credit Union: Georgia community credit union serving Cobb County and northwest Atlanta metro with full personal and business banking. Comparable to Marshland as a member-owned cooperative offering checking, loans, mortgages, and digital banking to a defined community-based membership.
• Peach State Federal Credit Union: Georgia-chartered credit union serving members across north Georgia and metro Atlanta with checking, savings, mortgages, and consumer/business lending. Comparable to Marshland as a Georgia community credit union operating across multiple counties with similar product breadth.
• MembersFirst Credit Union (Georgia): Georgia-based community credit union offering personal banking, loans, mortgages, and digital services to defined community groups. Highly comparable to Marshland in membership-based community focus and standard credit union product offering.
• Associated Credit Union of Georgia: Community credit union serving northeast Georgia with personal and business financial products including loans, deposits, and digital banking. Directly comparable to Marshland in community-chartered cooperative model and multi-county regional service area.

Broad incumbents

• VyStar Credit Union: Large Southeast US credit union serving Georgia and Florida with full banking, lending, investment, and digital services. Comparable to Marshland on regional membership and shared branching, but operates as a much larger incumbent with broader product set (including wealth services).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/MarshlandCU
• LinkedInlinkedin.com/company/marshland-community-federal-credit-union

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 Marshland Credit Union