Envista Credit Union

What Envista Credit Union does

Envista Federal Credit Union (dba Envista Credit Union) is a federally chartered, NCUA-insured member-owned cooperative founded in 1957 and headquartered in Topeka, Kansas, operating physical branches in Topeka, Lawrence, and Hutchinson. The institution serves individual consumers, small businesses, and mid-market businesses across Kansas with a full-service retail banking product suite spanning Kasasa-branded rewards checking (Cash and Cash Back), Kasasa Saver, traditional savings and money-market accounts, certificates, IRAs, HSAs, the EnvistaBlack credit card (on the Visa network), and a broad loan portfolio including auto, motorcycle, boat/RV, mortgage, home equity, land, debt consolidation, and personal loans, as well as commercial real estate, term loans, and lines of credit for business members. Wealth-management and insurance offerings are delivered through partnerships with LPL Financial (Envista Investment Advisors, Guided Wealth Portfolios) and TruStage Insurance, respectively.

The technology stack is built on standard third-party fintech infrastructure rather than proprietary AI: a digital banking platform with online banking, a mobile app rated 4.8 stars (iOS/Android) with mobile deposit, card control, push notifications, mobile wallet compatibility (Apple Pay, Google Pay), credit-score monitoring, and Payrailz-powered external P2P transfers. Member-experience differentiators include Early Pay (direct deposit up to two business days early), Skip-a-Pay (up to two payment skips per year on qualifying consumer loans), Kasasa Cash and Cash Back rewards (up to $96/year cash back plus ATM-fee refunds up to $25/month), and a $25/$25 Refer-a-Friend program. Accessibility is certified to WCAG 2.2 Level AA by AudioEye, and member distribution is extended nationally through the Co-Op shared-branch and surcharge-free ATM network.

The business model is a traditional credit-union net-interest-income operation supplemented by transaction-based fee streams: interest income from the $522.7M member-loan portfolio (Q1 2026), deposit account fees, Visa interchange, ATM/service fees, and referral/insurance/investment commissions. Total assets stood at $686.1M with $582.2M in deposits and $71.8M in undivided earnings as of March 31, 2026. Go-to-market is direct-to-consumer through branches, online account opening, mobile channels, and a strong community-engagement engine (EnvistaCares) that sponsors local schools, nonprofits, athletics, and youth financial-education programs — the latter including a student-run branch at Topeka High School. The institution returned over $1.4M to members through rewards checking in 2025 and earned four national Diamond Awards from America's Credit Unions.

Name

Envista Credit Union

Legal name

Envista Federal Credit Union

Website

https://envistacu.com

Company type

Private

Founded year

1957

Operating status

Operating

Headcount range

51–100 employees

Short description

Envista Federal Credit Union is a Kansas-based, NCUA-insured member-owned cooperative providing full-service personal and business banking — checking, savings, loans, credit cards, and wealth services — to consumers, small businesses, and mid-market firms across Topeka, Lawrence, and Hutchinson.

Ownership category

akta.pro rank

Product category

Credit Union Banking

NAICS

Credit Unions (52213)

SIC

Savings Institution, Federally Chartered (6035), Personal Credit Institutions (6141)

akta.pro primary industry

Faith-Based & Affinity Credit Unions (FSABAEAH)

Keywords

• Credit union banking
• Personal lending services
• Commercial lending
• Rewards checking accounts
• Digital banking platforms

Headquarters

HQ city

Topeka

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: Primary revenue stream from interest earned on member loans including auto loans, mortgage loans, home equity loans, personal loans, and business loans.
2. Deposit Account Fees: Fees from deposit accounts including overdraft fees, minimum balance fees, and other account service charges.
3. Interchange Income: Revenue from debit and credit card transactions processed through Visa network.
4. ATM and Service Fees: Fees from ATM usage, wire transfers, and other banking services.
5. Investment and Insurance Products: Revenue from investment advisory services through LPL Financial and insurance products through TruStage.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels9 records

Core offering

Envista Credit Union is a member-owned, federally insured cooperative that provides personal and business banking services across Kansas. Core offerings include rewards checking (Kasasa Cash, Kasasa Cash Back, Kasasa Saver), savings (Regular, Money Market, Certificates, IRAs, HSA), consumer lending (auto, mortgage, home equity, personal, EnvistaBlack credit card) and commercial lending (commercial real estate, term loans, lines of credit), along with business banking (Premier/Premier PLUS Checking, Business Money Market, merchant card services). Members access these products via three Kansas branches, online banking, a mobile app, Mobile Wallet, Early Pay, mobile deposit, and the Co-Op shared branch and surcharge-free ATM network.

Product overview

Envista Credit Union operates as a full-service financial institution offering a comprehensive suite of banking products through both physical branches and digital channels. The product portfolio spans personal and business banking with checking, savings, loans (consumer and commercial), credit cards, and investment services. Key products include Kasasa Cash/Cash Back checking and Kasasa Saver savings accounts (reward-based checking program), the EnvistaBlack credit card, and various loan products including auto loans (starting 4.99% APR), home mortgages (starting 6.212% APR), home equity loans (starting 6.297% APR), and commercial real estate/term loans. Digital banking capabilities include online banking, mobile banking app (rated 4.8 stars), Early Pay (direct deposit 2 days early), Bill Pay, Mobile Wallet (Apple Pay/Google Pay), and financial calculators. Business services encompass Premier Business Checking, Business Money Market, merchant card services, and commercial lending. Investment services are provided through LPL Financial partnership and include Guided Wealth Portfolios. The organization also offers Skip-a-Pay, Refer-a-Friend, and Safe Deposit Boxes as supplementary services.

Differentiator

Problem solved

Functional benefit

Brands

• EnvistaBlack: Credit card product with cash back rewards and no annual fee.
• Kasasa Cash
• Kasasa Cash Back
• Kasasa Saver
• The Trojan Vault
• EnvistaCares
• Envista Investment Advisors
• Bods Care

Products and services

• Kasasa Cash Checking Free rewards checking account that pays high monthly dividends and refunds ATM withdrawal fees when members meet monthly qualification requirements; available to Kansas consumers.
• Kasasa Cash Back Checking Free checking account that provides up to $96 cash back per year ($8 per month) on debit card purchases when members meet monthly qualifications, with ATM fee refunds up to $25 per month.
• Basic Checking Standard personal checking account with basic features and no monthly maintenance fee, suitable for everyday banking needs.
• Vantage Senior Checking Checking account designed for senior members with age-appropriate features and no monthly maintenance fee.
• Kasasa Saver High-yield savings account linked to Kasasa checking accounts for automatic, qualifying-period savings transfers and competitive dividends.
• Regular Savings Standard personal savings account for accumulating funds with dividend earnings on balances.
• Youth Savings Savings account for children and teens, designed to build early savings habits and financial literacy, supported by the student-run Trojan Vault branch at Topeka High School.
• Personal Money Market Personal money market savings account offering tiered interest rates for higher-yield balances.
• Certificates Fixed-rate, fixed-term share certificates offering higher yields than regular savings, available in various terms.
• Individual Retirement Accounts (IRAs) Tax-advantaged retirement savings accounts for individual members planning for retirement.
• Health Savings Account (HSA) Tax-advantaged savings account for individuals with high-deductible health plans to pay for qualified medical expenses.
• Auto Loans Vehicle financing for cars, motorcycles, boats, and RVs with competitive rates starting at 4.99% APR for qualified borrowers.
• Home Mortgage Loans Purchase and refinance mortgages for primary residences with rates starting at 6.212% APR and local in-house processing and servicing.
• Home Equity Loans Fixed-rate, fixed-term loans allowing homeowners to borrow against home equity for renovations, debt consolidation, or other expenses with rates starting at 6.297% APR.
• Land Loans Financing for the purchase of land, supporting personal property acquisition by members.
• Debt Consolidation Loans Personal loans designed to consolidate higher-interest debts into a single Envista loan payment.
• Personal Loans Unsecured personal loans for general member financing needs.
• EnvistaBlack Credit Card Credit card with cash back rewards, no annual fee, and rates as low as 4.9% APR for qualified borrowers.
• Business Banking Package Consolidated business banking offering pairing checking, savings, and lending tailored for small and mid-market Kansas businesses.
• Premier Business Checking Business checking account with enhanced features and services for growing Kansas businesses.
• Premier PLUS Business Checking Higher-tier business checking account for businesses with more complex transaction and cash management needs.
• Business Regular Savings Standard business savings account for separating operating and reserve funds.
• Business Money Market Business savings account with tiered interest rates for maximizing earnings on excess funds.
• Business Certificates Fixed-term business share certificates offering higher yields than business regular savings.
• Commercial Real Estate Loans Financing for commercial property acquisition, development, and refinancing for Kansas businesses.
• Business Term Loans Fixed-term financing for business expansion, equipment purchases, and other capital needs.
• Business Lines of Credit Revolving credit facility for managing cash flow fluctuations and short-term business needs.
• Merchant Card Payment Services Payment processing services enabling businesses to accept credit and debit card transactions.
• Envista Investment Advisors Wealth management and investment advisory services delivered through a partnership with LPL Financial.
• Guided Wealth Portfolios Digital, algorithm-driven investment platform providing automated financial planning for members, delivered through LPL Financial.
• TruStage Insurance Credit insurance and related coverage products made available to members through the TruStage partnership.
• Online Banking Web-based digital banking platform providing account access, transfers, bill pay, and financial management tools.
• Mobile Banking App Full-featured iOS and Android mobile banking application with mobile deposit, bill pay, card controls, and push notifications.

Quantifiable outcome

• Returned more than $1.4 million to members in 2025 through rewards checking
• +2 more outcomes

Named customers11 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature7 records

Partnerships

20 partnerships are on record, tiered core and minor.

• KasasacoreTechnology or IntegrationRewards checking program provider enabling Kasasa Cash and Kasasa Cash Back checking accounts. Provides marketing platform for rewards checking with qualification tracking and reward fulfillment.
• LPL FinancialcoreGTM or Marketing PartnerInvestment advisory services partnership providing investment products and guidance to members through registered representatives.
• TruStage InsuranceminorGTM or Marketing PartnerInsurance products partner providing credit insurance and related coverage options to members.
• AudioEyecoreTechnology or IntegrationThird-party web accessibility testing and monitoring provider. Certifies website conforms to WCAG 2.2 Level AA standards for digital inclusion.
• VisacoreTechnology or IntegrationCard network partner enabling debit and credit card transactions and processing.
• Co-Op NetworkcoreChannel Partner/ Reseller/ DistributorShared branch and surcharge-free ATM network providing members nationwide access to banking services.
• Schwerdt Design GroupminorImplementation/ SI/ Consulting PartnerInterior design firm that designed the Lake Shawnee Branch remodel project.
• Kelley ConstructionminorImplementation/ SI/ Consulting PartnerConstruction company that built the Lake Shawnee Branch remodel project.
• Topeka Civic Theatre & AcademycoreStrategic or Co-development PartnerOngoing sponsorship of Theatre for Young Audiences program, providing 900 at-risk students access to live theatre experiences. Includes Read the Book, See the Show initiative pairing theatre with literacy.
• SENT Inc.coreStrategic or Co-development PartnerNonprofit receiving property gift at 1600 SW Topeka Blvd for neighborhood development in Hi-Crest area. Partnership focused on holistic community transformation.
• KVC KansasminorStrategic or Co-development PartnerQuarterly EnvistaCares Day of Giving partnership providing $5,000 in school supplies and bedding for students in foster care.
• Family Service & Guidance CenterminorStrategic or Co-development PartnerParty with a Purpose initiative adopting 10 families and 50 individuals during holiday season.
• Junior Achievement of KansasminorStrategic or Co-development Partner$1,000 grant recipient during International Credit Union Week from community nominations.
• Impact TopekaminorStrategic or Co-development Partner$1,000 grant recipient during International Credit Union Week from community nominations.
• 100 Good Women of Douglas CountyminorStrategic or Co-development Partner$1,000 grant recipient during International Credit Union Week from community nominations.
• Harvesters - Community Food NetworkminorStrategic or Co-development PartnerAndrew Lindeman serves on Board of Directors. Partnership supporting community food security.
• Lifehouse Child Advocacy CenterminorStrategic or Co-development PartnerAndrew Lindeman serves on Board of Directors including term as President.
• Ronald McDonald House CharitiesminorStrategic or Co-development PartnerEmployee-led initiative assembling baby care bags and snacks for NICU families.
• Washburn University AthleticscoreStrategic or Co-development PartnerBods Care: Empowered by Envista program sponsorship including Friday Night Lights Community Kickoff event, supporting student well-being and community connection.
• Topeka High SchoolcoreStrategic or Co-development PartnerStudent-run credit union branch (The Trojan Vault) partnership bringing financial education to life. Branch staffed by business and finance students during lunch hours.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Sunflower Bank, N.A. Kansas-based commercial bank with a broad commercial and consumer lending footprint across the state. Also named in Envista's staff pedigree as a former employer, confirming competitive overlap for top-of-funnel lending talent and customers.
• BECU: One of the largest US credit unions with a broad consumer and commercial product suite and deep digital capabilities. Useful benchmark for Envista's marketing excellence awards and member engagement initiatives given scale.
• INTRUST Bank: Wichita-headquartered Kansas community bank offering personal, business, and wealth services across the state. Comparable asset scale and Kansas market overlap make it a relevant peer for product and market benchmarking.
• Pentagon Federal Credit Union: One of the largest US credit unions serving a national membership with full-service consumer and commercial banking. Provides industry benchmark for digital, rewards, and marketing scale strategies relevant to a growing community credit union.
• Great Southern Bank: Mid-sized regional bank with branches across Kansas and Missouri, offering consumer and commercial banking. Competes with Envista in overlapping Kansas geographies for lending talent (Envista CLO's prior employer) and deposits.

Emerging players

• Alliant Credit Union: Large digital-first US credit union with strong rewards and mobile-app-centric products, including early-pay-style features. Highly relevant peer for digital go-to-market and Kasasa-style engagement strategies despite different geographic focus.

Direct peers

• Landmark National Bank: Kansas community bank with personal, mortgage, and commercial lending. Named explicitly in Envista's talent background as a competitor (previous employer of Envista's new CLO), confirming head-to-head competition for lending talent and customers in Kansas.
• Capitol Federal Savings Bank: Topeka-headquartered federally chartered thrift with overlapping Kansas retail deposit and mortgage business. Similar geographic concentration in Topeka and similar asset scale make it the closest direct local competitor to Envista.
• Meritrust Credit Union: Wichita-based Kansas credit union offering comparable consumer and commercial banking services with community focus. Direct credit-union peer competing for similar Kansas member base and product positioning.
• CoreFirst Bank & Trust: Topeka-based community bank operating in the same eastern Kansas market with personal and business banking products. Comparable footprint and member-customer orientation make it a direct local competitor for branches, deposits, and loans.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/EnvistaCreditUnion/videos
• Facebookfacebook.com/EnvistaCU
• LinkedInlinkedin.com/company/envista-credit-union
• Instagraminstagram.com/envistacu
• Xx.com/EnvistaCU

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Envista Credit Union