Copfcu

What Copfcu does

COPFCU (Cincinnati Ohio Police Federal Credit Union) is a not-for-profit, federally chartered, member-owned credit union founded in 1935 and headquartered at 959 W 8th Street, Cincinnati, Ohio. By NCUA-defined field-of-membership, it serves a narrow public-sector cohort: Cincinnati's Police Force, Firefighters, government employees, and public school teachers and administrators, together with their families. The institution operates from 11-50 employees across physical branches in the Greater Cincinnati region, supplemented by a CO-OP Shared Branching network for nationwide in-person access and surcharge-free PNC ATM access.

The product set spans core retail banking (checking, savings, money market, savings certificates, HSA, IRA, business accounts) and a full lending suite including auto, personal, RV, HELOC, home equity, mortgages, student loans (through a Student Choice partnership), no-credit-check quick loans, and Visa Platinum Rewards credit cards. Underlying technology is a standard credit union digital banking stack — online banking and iOS/Android mobile apps with mobile check deposit, bill pay, and credit-score monitoring via SavvyMoney — overlaid by a branded AI-powered digital assistant named Roger. Wealth management, retirement planning, and estate planning are delivered through a partnership with Everest Financial rather than built in-house. Pricing follows unit-pricing on loans with promotional APR specials (e.g., auto refinance at 4.99% APR through July 2026) and a loyalty-tiered Rewards Plus program offering rate rebates of up to 0.50%.

The revenue model is a classic credit union net-interest-income model: primary income is interest earned on the loan portfolio (auto, personal, mortgage, HELOC, credit card, student), supplemented by interchange and card fees, modest deposit-related fees (some accounts have no monthly fees), and fee income from certificates and IRA products. As a not-for-profit cooperative, surplus is returned to members through lower loan rates and higher deposit rates rather than distributed to outside shareholders. Member acquisition runs through a community-based field-of-membership model (employer relationships plus family referral) combined with direct-to-consumer online account opening via standalone web forms; member tenure is long (testimonials cite 20-35+ years). Distribution combines physical branches, self-serve digital channels, a shared-branching network, and partner ATMs. Strategic positioning is reinforced by 144 consecutive quarters (36 years) of BauerFinancial's highest 5-Star Superior rating, "Best of Bauer Credit Union" designation, and 91 years of continuous operation.

Name

Copfcu

Legal name

Cincinnati Ohio Police Federal Credit Union

Website

https://copfcu.com

Company type

Private

Founded year

1935

Operating status

Operating

Headcount range

11–50 employees

Short description

COPFCU is a not-for-profit, federally chartered credit union founded in 1935 that provides retail banking, consumer lending, and digital banking services to Cincinnati-area public-sector employees — police, firefighters, government workers, and public school teachers — and their families in the Greater Cincinnati region.

Ownership category

akta.pro rank

Product category

Retail Banking (Credit Union)

NAICS

Credit Unions (522130)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

Public Sector & Municipal Credit Unions (FSABAEAK)

Keywords

• Credit union services
• Consumer banking
• Personal loans
• Mortgage lending
• Digital banking

Headquarters

HQ city

Cincinnati

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Interest Income: COPFCU generates primary revenue through interest earned on loans including auto loans, personal loans, mortgages/HELOCs, credit cards, and student loans. The credit union offers competitive rates as a not-for-profit institution.
2. Membership/Account Fees: Revenue from checking and savings account services, including potential overdraft fees, ATM fees, and other account-related charges. Some checking accounts have no monthly service fees.
3. Credit Card Fees: Income from credit card transactions including interchange fees and potential annual fees on credit card products.
4. Savings Certificates and IRA Products: Revenue from term deposits, money market accounts, and IRA savings products.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

COPFCU is a not-for-profit, NCUA-insured credit union providing full-service retail banking and consumer lending to Cincinnati-area public servants — Police, Firefighters, Government Employees, and Public School Teachers and their families. Its core offerings span deposit products (checking, savings, money market, certificates, IRAs), consumer loans (auto, personal, mortgage, HELOC, home equity, RV, student, no-credit-check quick loans), credit cards, and 24/7 digital banking via web, mobile, and an AI digital assistant named Roger, supplemented by financial planning and insurance services delivered through partner channels.

Product overview

COPFCU (Cincinnati Ohio Police Federal Credit Union) is a not-for-profit financial institution serving Cincinnati's Police Force, Firefighters, Government Employees, and Public School Teachers since 1935. The company operates as a single financial services platform offering traditional banking products (checking, savings, certificates, IRAs) alongside lending services (auto loans, personal loans, mortgages, HELOCs, student loans, credit cards). Digital banking capabilities include online banking, mobile banking with check deposit, and bill pay. Supplementary services encompass financial planning through Everest Financial, credit score monitoring via SavvyMoney, and member perks including attraction discounts through Tickets-at-Work and scholarship programs. The institution does not appear to have a modular platform architecture; rather, it provides a unified set of banking products and services under its credit union brand.

Differentiator

Problem solved

Functional benefit

Products and services

• Checking Accounts Personal checking account options including Personal Checking, HSA Checking, and Simply Checking for college students, with features such as free debit cards, overdraft protection, and online account opening via copfcu.com.
• Savings Accounts Savings products including regular Savings Accounts, Youth Savings for minors, Money Market accounts, Savings Certificates, HSA Certificates, and IRA Savings and Certificates offered to members.
• Business Accounts Business Savings and Checking accounts designed for small business owners and public servants who are COPFCU members.
• Auto Loans Car and truck loans with promotional refinance rates from 4.99% APR, available for terms up to 76 months, plus a 0.50% rate discount for members refinancing from another lender.
• Personal Loans Personal loans with rates starting at 10.99% APR and a promotional rate as low as 9.49% APR for terms up to 60 months. Includes a Secure Credit Builder Loan variant for members building credit.
• Home Equity Line of Credit (HELOC) Revolving line of credit allowing borrowing against residential home equity, with rates starting at 7.00% APR, providing lower-risk financing secured by home value.
• Home Equity Loans Fixed-term home equity loans allowing members to access accumulated equity in their residential property.
• Mortgages Mortgage products for home purchases and refinances with rates from 6.250%, offered through a dedicated mortgage platform.
• Recreational Vehicle Loans Loans for boats, RVs, and motorcycles with promotional rates from 6.99% APR for terms up to 60 months under the Summer Vehicle Refinance Special.
• Student Loans Undergraduate and student loan refinance products offered through a Student Choice partnership, with competitive rates, flexible repayment options, and no origination fees.
• No-Credit-Check Quick Loans Quick loans designed to help members cover emergency and unexpected expenses without requiring a credit check, positioned as an alternative to payday loans.
• Credit Cards Visa Platinum Rewards credit cards with rates from 9.99% APR, ScoreCard Rewards points, 0% APR on balance transfers for 12 months (within 60 days of account opening), Card Alerts & Controls, and travel notice capabilities.
• Online Banking 24x7 online banking platform enabling account access, bill payment, fund transfers, eStatements, loan applications, and certificate purchases.
• Mobile Banking Mobile banking application available on iOS and Android for account access, mobile check deposit, fund transfers, account management, and access to banking services on the go.
• Bill Pay Free bill payment service for COPFCU checking account holders with electronic and check payment options to multiple billers.
• Roger - Digital Assistant AI-powered digital assistant named Roger, available through the COPFCU website to help members with banking inquiries and site navigation.
• Financial Planning Financial planning services offered to members through Everest Financial covering investment management, retirement planning, and other financial advisory engagements.
• Wealth Management Wealth management services for members seeking investment management and comprehensive financial advisory offerings, delivered through the Everest Financial partnership.
• Estate Planning Estate planning services to help members prepare for wealth transfer and end-of-life financial planning, delivered through the Everest Financial partnership.
• Auto Insurance Auto insurance products offered to members through partner providers to cover vehicle risks for member-owned automobiles.
• Home Insurance Home insurance products made available to members through partner providers for residential property coverage.

Quantifiable outcome

• 144 consecutive quarters (36 years) of BauerFinancial's highest 5-Star Superior rating
• +3 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Student ChoicecoreStrategic or Co-development PartnerPartnership with Student Choice for private education loans designed to help eligible students and families pay for qualified education expenses when federal financial aid isn't enough. Benefits include competitive interest rates, one application for entire degree through flexible line of credit, no origination fees, and multiple repayment options.
• Everest FinancialcoreStrategic or Co-development PartnerWealth management and financial planning services provided through Everest Financial for members seeking investment management, retirement planning, and estate planning services.
• Tickets-at-WorkminorGTM or Marketing PartnerEmployee perks program providing special discounts and savings on local and nationwide attractions. Members access savings through company code COPFCU on the Tickets-at-Work platform.
• Cincinnati ZoominorGTM or Marketing PartnerCorporate discount program for Cincinnati Zoo tickets. Members use company code CPFCU to access discounted admission.
• Kings IslandminorGTM or Marketing PartnerAmusement park discount program offering up to 45% savings on ticket purchases including regular and group admissions, parking, and dining. Members create account using company code COPFCU.
• Newport AquariumminorGTM or Marketing PartnerCorporate discount program for Newport Aquarium tickets. Members use promo code COPFCU to receive special discounted rates.
• TurboTax and H&R BlockminorGTM or Marketing PartnerTax preparation discounts offering up to 20% savings on TurboTax federal products and up to $25 savings on H&R Block professional tax prep.
• BauerFinancialminorOthersIndependent bank and credit union rating firm that has provided COPFCU with its highest 5-Star Superior rating for 144 consecutive quarters.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• University of Cincinnati Federal Credit Union: Cincinnati-based credit union serving university and public-sector employees, overlapping directly with COPFCU's educator and government-employee segments in the same metro market.
• Police & Fire Federal Credit Union: Philadelphia-based credit union exclusively serving police officers, firefighters, and first responders—the closest direct analog to COPFCU's police/fire niche.
• Firefighters First Federal Credit Union: Credit union serving firefighters and emergency medical services personnel across multiple states; same public-safety employee-group focus as COPFCU.

Broad incumbents

• Kemba Financial Credit Union: Ohio-based community credit union with comparable full-service banking, deposits, and consumer lending; competes for the same Greater Cincinnati consumer base.
• Wright-Patt Credit Union: Large Ohio credit union originally serving Wright-Patterson Air Force Base personnel; comparable employer-group credit union model with significantly larger scale.
• Tinker Federal Credit Union: One of the largest US credit unions, originally serving Tinker Air Force Base employees; analogous public-sector/employer-group credit union model with broad product suite.
• BCU (Baxter Credit Union): Large employee-group credit union serving employees of healthcare and other partner companies; analogous select-employee-group membership model at significantly larger scale.

Regional players

• First Financial Federal Credit Union: Ohio-based community credit union offering similar deposit and lending products; competes for Cincinnati-area consumer and small-business banking relationships.

Emerging players

• Alliant Credit Union: Large digital-first credit union offering high-yield deposit and consumer loan products nationally; competes with COPFCU for digitally-engaged public-servant members open to non-local institutions.
• Digital Federal Credit Union (DCU): Digital-first credit union offering competitive consumer loan and deposit rates nationally; represents the non-branch, mobile-first competitive threat to traditional community credit unions like COPFCU.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/COPFCU
• YouTubeyoutube.com/channel/UCWghHecr3d4LUI0HOQqroYA
• Facebookfacebook.com/COPFCU
• LinkedInlinkedin.com/company/cincinnati-police-federal-credit-union
• Instagraminstagram.com/copfcu

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Copfcu