Azura Credit Union

What Azura Credit Union does

Azura Credit Union is a member-owned, not-for-profit financial cooperative established in 1939 and headquartered in Topeka, Kansas. It serves approximately 63,000 members through six branches across Northeast Kansas (Topeka, Lenexa, Mission, Olathe, Ottawa), offering a full suite of retail and small-business banking products. Personal banking comprises three checking tiers (Carefree, Above, Beyond — the last yielding 4.07% APY), savings vehicles (savings, money market, certificates, IRAs, HSAs), and lending products including auto loans (rates from 5.45% APR), mortgages, home equity, land/construction, personal loans, and Visa credit cards. Business banking includes Express, Forward, and Excel checking accounts, business loans and lines of credit, payroll control, and merchant card payment services, with wealth management, estate planning, and insurance offered as advisory add-ons.

The underlying technology is built on Jack Henry & Associates' digital banking infrastructure, which powers the online banking platform, mobile app (iOS/Android), eStatements, Bill Pay, card controls, money management, mobile wallet, and ITM with Video Teller for extended-hour assisted service. The credit union's website received the 2025 WebAward from the Academy of Internet Professionals. Azura also operates the Heroes debit card, which has directed over $1 million to veterans organizations since 2010, and an annual $6,000 scholarship program. The firm is WCAG 2.2 AA–aligned for accessibility and self-attests to COPPA and GDPR compliance.

The business model is a cooperative net-interest-spread engine: revenue is generated primarily from interest earned on the loan portfolio (auto, mortgage, consumer, commercial) exceeding interest paid on member deposits, supplemented by interchange fees on Visa cards, merchant processing fees, wealth management fees, and business banking service fees. As a member-owned cooperative, excess earnings are returned to members through competitive rates rather than distributed to external shareholders. Go-to-market is direct-to-consumer via branch, digital, and community channels (social media, charitable giving, financial wellness education), with no disclosed external funding, M&A, or institutional ownership.

Name

Azura Credit Union

Legal name

Azura Credit Union

Website

https://azuracu.com

Company type

Private

Founded year

1939

Operating status

Operating

Headcount range

101–250 employees

Short description

Azura Credit Union is a member-owned, not-for-profit financial cooperative serving roughly 63,000 members across six branches in Northeast Kansas, offering retail and small-business banking, lending, wealth management, and digital services on Jack Henry infrastructure.

Ownership category

akta.pro rank

Product category

Retail Banking (Credit Union)

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

Credit Cards & Revolving Credit (FSABAAAC), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Consumer banking services
• Personal lending
• Mortgage lending
• Small business banking
• Retail deposits

Headquarters

HQ city

Topeka

HQ country

United States

HQ region

North America

Offices6 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. Deposit Account Fees and Interest Spread: Revenue generated from interest earned on loans (auto, home, personal, business loans) exceeding interest paid on deposits (checking, savings, CDs, IRAs). As a credit union, excess earnings are returned to members through competitive rates.
2. Loan Products: Interest income from auto loans, home mortgages, home equity loans, land and construction loans, personal loans, and business loans. Also includes Visa credit card interchange fees.
3. Wealth Management and Financial Services: Revenue from wealth management services, estate planning, and insurance services offered to members.
4. Business Banking Services: Fees from business checking accounts, business loans, payroll control services, and merchant card payment services.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Azura Credit Union is a member-owned, not-for-profit financial cooperative that provides personal and business banking products including checking accounts (Carefree, Above, Beyond), savings vehicles, certificates, IRAs, HSAs, auto loans, mortgages, home equity loans, personal loans, and Visa credit cards. It also delivers business banking (checking, loans, lines of credit, payroll control, merchant card services), wealth management, estate planning, and insurance services through six Kansas branches and a Jack Henry-powered digital banking platform.

Product overview

Azura Credit Union is a member-owned, not-for-profit financial cooperative serving Kansans since 1939 with nearly 63,000 members. The company offers a comprehensive suite of personal and business banking products through a unified digital banking platform supported by physical branch locations. Personal products include checking accounts (Carefree, Above, and Beyond tiers with rates up to 4.07% APY), savings vehicles (Money Market, Certificates, IRAs, Health Savings Accounts), and lending products (Auto Loans from 5.45% APR, Home Loans, Home Equity, Personal Loans, Visa Credit Cards). Business banking includes Express, Forward, and Excel checking accounts, Business Loans, Lines of Credit, Payroll Control, and Merchant Card Payment Services. Digital banking features Online Banking, Mobile App, eStatements, Bill Pay, Card Controls, Money Management, Mobile Wallet, and ITM with Video Teller. Wealth Management, Estate Planning, and Insurance Services are offered as advisory add-ons. The credit union also offers community impact products like the Heroes Debit Card that donates to veteran organizations.

Differentiator

Problem solved

Functional benefit

Brands

• Heroes Card: A debit card that donates five cents to veteran organizations Honor Flight Network and Friends in Service of Heroes (F.I.S.H.) each time card members make a purchase. Since 2010, Azura has donated over $1 million to these card partners.
• Beyond Checking
• Carefree Checking

Products and services

• Carefree Checking Free personal checking account with no minimum balance and no monthly fees, designed for straightforward everyday banking for individual members.
• Above Checking Mid-tier personal checking account with enhanced features and benefits for members seeking more from their everyday banking relationship.
• Beyond Checking Premium personal checking account offering 4.07% APY with ATM fee refunds, no minimum balance, and no maintenance fees for individual members who keep higher balances.
• Savings Account Basic personal savings account for members to deposit and grow funds securely.
• Money Market Account Personal savings product with tiered competitive rates for balances above a defined threshold.
• Certificates of Deposit Fixed-term certificate accounts with competitive published rates for individual members.
• IRAs (Traditional, Roth, SEP) Individual Retirement Accounts including Traditional, Roth, and SEP options for retirement savings planning by individual members.
• Health Savings Account Tax-advantaged HSA for individuals enrolled in high-deductible health plans to save for qualified medical expenses.
• Auto Loans Vehicle financing for new or used cars and refinancing of existing auto loans, with rates as low as 5.45% APR for individual members.
• Home Loans / Mortgages Residential mortgage purchase loans and refinancing products with competitive rates and local personalized service for individual members.
• Home Equity Loans Loans and lines of credit secured by the equity in a member's home, including HELOCs.
• Land & Construction Loans Financing for land purchases and construction of residential properties for individual members.
• Personal Loans Unsecured installment loans for personal expenses and financial needs of individual members.
• Visa Credit Cards Consumer credit card products including a Rewards Visa with competitive rates and points redeemable for travel, gift cards, and more.
• Wealth Management Professional financial advisory services to help individual members plan for retirement and other long-term financial goals.
• Estate Planning Services to help members organize and plan the transfer of their assets.
• Insurance Services Insurance products and services to address members' personal protection needs.
• Express Business Checking Streamlined business checking account designed for small businesses with limited transaction volume needs.
• Forward Business Checking Business checking account with enhanced features tailored for growing small businesses.
• Excel Business Checking Comprehensive business checking account for businesses with higher transaction volumes and fuller banking needs.
• Business Loans Commercial lending products including term loans and equipment financing for small businesses.
• Business Lines of Credit Revolving credit facilities for businesses to manage cash flow and working capital needs.
• Business Real Estate Loans Commercial real estate financing for business members' property acquisition or refinancing.
• Business Banking Services Comprehensive banking services tailored for business members, including account support and local relationship management.
• Payroll Control Payroll management service enabling businesses to process employee compensation through their Azura business account.
• Merchant Card Payment Services Payment processing services that enable businesses to accept debit and credit card transactions.

Quantifiable outcome

• Nearly 63,000 members served in Northeast Kansas
• +3 more outcomes

Named customers3 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

Feature3 records

Partnerships

One partnership is on record.

• Jack Henry & AssociatescoreTechnology or IntegrationJack Henry & Associates provides web hosting and website design services for Azura Credit Union. Azura's award-winning website was built using Jack Henry's technology solutions, supporting modern, secure, and user-friendly digital experiences for members.

Scale indicators4 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• CommunityAmerica Credit Union: Large Kansas City-area credit union serving consumers and businesses with full-service personal and business banking, mortgages, and wealth services. Directly overlaps with Azura's footprint in Lenexa and the broader Northeast Kansas/Kansas City metro, and competes for the same member base with greater scale.
• Credit Union of America: Wichita, Kansas-based member-owned credit union offering checking, savings, loans, mortgages, and business banking. Comparable member-owned cooperative model and full personal/business product suite overlapping with Azura's offerings across Kansas.
• KU Credit Union: Lawrence, Kansas-based credit union serving the University of Kansas community and broader Kansas market. Operates with a similar member-owned structure and full deposit/loan suite, competing in the same Northeast Kansas geography.

Broad incumbents

• Capitol Federal Savings Bank: Topeka, Kansas-based federally chartered savings bank and one of the largest Kansas-based retail banks, offering deposits, mortgage lending, and consumer banking. Operates in Azura's home market and is a direct competitor for deposits and mortgages, though as a much larger incumbent with a savings institution charter.
• Intrust Bank: Wichita-based regional bank serving Kansas with consumer, business, mortgage, and wealth services. As a much larger Kansas-headquartered bank, it competes with Azura for members across the state, including in the Kansas City metro.
• Alliant Credit Union: Large national member-owned credit union offering high-yield checking, savings, loans, credit cards, and investment services. Represents the digital-first, scale credit union model that competes with Azura for digitally-engaged members willing to bank beyond their immediate geography.
• PenFed Credit Union: Large national credit union offering consumer and business banking, mortgages, and credit cards nationwide. A scaled national peer whose digital and deposit-rate competitiveness can pull members away from community credit unions like Azura.
• Discover Financial Services: Direct-to-consumer credit card issuer and digital bank with national deposit products. Competes with Azura specifically in the credit card and consumer lending categories, and increasingly in deposits via its cashback online savings products.

Regional players

• CoreFirst Bank & Trust: Topeka-headquartered community bank serving consumers and businesses across Northeast Kansas with deposit, loan, and wealth products. Directly competes with Azura in the Topeka market with a similar community-bank value proposition.
• KS StateBank: Kansas-based community bank offering consumer and business banking, mortgages, and treasury services. Competes for similar consumer and small-business relationships across the Kansas market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/AzuraCU
• YouTubeyoutube.com/channel/UC5FDxZTC8nLQgX0vzbC3nOQ
• Facebookfacebook.com/AzuraCreditUnion
• LinkedInlinkedin.com/company/azura-credit-union
• Instagraminstagram.com/azuracreditunion

Compliance3 records

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 Azura Credit Union