Campco Federal Credit Union

What Campco Federal Credit Union does

Campco Federal Credit Union is a member-owned, community-chartered federal credit union founded in 1971 and headquartered in Gillette, Wyoming. Originally established as Campco School Employees Federal Credit Union by 10 members operating out of a private home, the institution transitioned to a community charter in 1996 and has progressively expanded its field of membership to span 15 Wyoming counties, 3 South Dakota counties, and 3 Montana counties, serving approximately 20,000 members across the three-state region as of 2024 with assets exceeding $225 million by 2026.

The credit union operates three physical branches (Gillette headquarters, Wright, and a permanent location opened in Sheridan in 2025), with a planned Billings, Montana branch announced alongside the 2026 Montana charter expansion. Its core technology stack consists of an in-house online banking platform and a mobile banking app supporting balance inquiry, fund transfers, Remote Deposit Capture, bill pay, and e-statements, with Plaid integration providing 256-bit-encrypted account verification for digital onboarding and loan applications. The product suite spans consumer loans (auto loans from 4.44% APR, personal loans from 14.00% APR signature / 9.99% APR line of credit, mortgages originated through Gold Star Financial, VISA credit cards up to 18.00% APR, home equity lines of credit from 7.50% APR, and specialized RV/boat, power sports, and tractor/equipment financing) and deposit products (Spend Better Rewards Checking at 2.00% APY, Base Share Savings, Money Market, Share Certificates, and Traditional/Roth/Educational IRAs). TruStage Insurance is offered as a referral partnership covering auto, home/renters, life, and accidental death and dismemberment coverage.

As a not-for-profit financial cooperative regulated by the NCUA, Campco returns earnings to members through higher savings rates and lower loan rates rather than distributing profit. Revenue mechanics are conventional credit union economics: net interest income from the loan portfolio as the primary stream, supplemented by deposit account service charges (e.g., $5/month on share draft accounts below $500), safe deposit box rental fees at the Wright branch ($20-$30 annually), interchange on VISA cards, and referral economics from mortgage and insurance partners. Distribution is multi-channel — physical branches, a contact center, mobile and online self-serve, and shared branching through CO-OP ATM and CU Service Centers — and the go-to-market motion is community-led, with membership eligibility based on residence, employment, worship, or education in designated counties and growth driven by referral programs, community events such as Member Appreciation Day, and progressive charter expansion.

Name

Campco Federal Credit Union

Legal name

Campco Federal Credit Union

Website

https://campcofcu.com

Company type

Private

Founded year

1971

Operating status

Operating

Headcount range

11–50 employees

Short description

Community-chartered federal credit union founded in 1971, serving approximately 20,000 members across Wyoming, South Dakota, and Montana through three branches and digital banking, operating as a member-owned cooperative offering consumer loans, deposits, and partner-originated mortgages and insurance.

Ownership category

akta.pro rank

Product category

Credit Union Retail Banking

NAICS

Credit Unions (522130)

SIC

Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

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

Keywords

• Consumer banking services
• Credit union lending
• Membership savings accounts
• Personal loan products
• Community financial services

Headquarters

HQ city

Gillette

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: Primary revenue stream generated from auto loans, mortgages, home equity lines, personal loans, and credit cards. The credit union offers competitive rates including auto loans as low as 4.44% APR and mortgages through partner Gold Star Financial
2. Deposit Account Fees and Services: Revenue from deposit account services including monthly service charges on share draft accounts ($5/month if balance drops below $500), money market rates, and certificate account management
3. Safe Deposit Box Rental: Annual rental fees for safety deposit boxes at Wright branch: 3x10 size for $20/year and 5x10 size for $30/year

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Campco Federal Credit Union is a member-owned, not-for-profit financial cooperative that provides retail banking services including deposit accounts (checking, savings, money market, share certificates, IRAs), consumer loans (auto, personal, mortgages, credit cards, home equity, recreational vehicles, student, equipment), digital banking via online and mobile channels, safe deposit boxes, and partner-distributed insurance products to individuals within its multi-state field of membership.

Product overview

Campco Federal Credit Union offers a comprehensive suite of financial products and services as a member-owned credit union. The core offerings include loan products (auto loans, personal loans, mortgages, student loans, home equity lines of credit, and recreational/equipment financing) and deposit products (checking accounts with Spend Better Rewards Checking, savings accounts including Base Share, Campco Kids, and Double Nickel Club accounts, Money Market accounts, Share Certificates with terms from 6-60 months, and Traditional/Roth/Educational IRAs). Digital banking services encompass Online Banking, Mobile Banking App with Remote Deposit Capture and Bill Pay, and E-Statements. The institution also provides Safe Deposit Boxes, Switch Kit account migration tools, and partners with TruStage Insurance for auto, home, life, and AD&D insurance products. Financial education resources are available through interactive online platforms. The product architecture is unified under a single-member ownership model where all products serve to fulfill the credit union's mission of returning profits to members through competitive rates and low loan costs.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Loans Vehicle financing for new and used automobiles with rates starting at 4.44% APR, dependent on creditworthiness and loan terms. Targeted at consumer members in the credit union's field of membership.

Quantifiable outcome

• Deposits federally insured up to $250,000 by NCUA
• +1 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• PlaidcoreTechnology or IntegrationPlaid is a secure financial technology service used by thousands of banks and credit unions. Campco uses Plaid to help members safely connect their bank information for faster, more accurate account verification and review. Plaid uses 256-bit encryption and read-only access, never sharing login credentials with the credit union.
• TruStage InsurancecoreChannel Partner/ Reseller/ DistributorTruStage Insurance Agency, LLC provides insurance products exclusively for credit union members, including auto insurance, home/condo/renters insurance, life insurance, and accidental death and dismemberment coverage. Products are underwritten by CMFG Life Insurance Company and partner insurance companies. Campco provides members with no-cost $1,000 AD&D coverage as a membership benefit.
• Gold Star FinancialminorChannel Partner/ Reseller/ DistributorGold Star Financial provides mortgage lending services as a partner for Campco FCU's mortgage application process. Members can apply for mortgages through the credit union's website, with applications processed by Gold Star Financial.
• CO-OP ATM NetworkminorChannel Partner/ Reseller/ DistributorCO-OP ATM Network provides shared ATM services allowing credit union members to access cash surcharge-free at participating credit unions nationwide.
• CU Service CentersminorChannel Partner/ Reseller/ DistributorCU Service Centers enable credit unions to cooperate and share resources, providing shared branching services that allow members to conduct transactions at other participating credit unions.

Scale indicators4 records

Recent moves10 records

Expansion highlights6 records

Direct peers

• WyHy Federal Credit Union: Wyoming-headquartered community-chartered federal credit union serving a multi-county Wyoming field of membership with a comparable deposit and consumer-lending product set. Closest geographic and structural peer to Campco's regional community-charter model.
• Schools Financial Credit Union: Large community-chartered federal credit union in California that, like Campco, evolved from a narrow employee-based charter to a broad community charter. Comparable operating model (consumer loans, deposits, digital banking) at meaningfully larger scale.
• Black Hills Federal Credit Union: South Dakota-headquartered federal credit union serving western South Dakota and bordering Wyoming/Montana communities. Comparable regional footprint, NCUA-insured cooperative structure, and community-charter growth strategy make it a strong adjacent peer.
• Summit Credit Union: Mid-sized community-chartered credit union with a comparable product mix across deposits, consumer loans, HELOCs, and digital banking. Demonstrates the trajectory Campco could pursue from ~$225M toward $1B+ assets.
• Royal Credit Union: Community-chartered credit union offering consumer deposits, lending, and digital banking across multiple geographies. Comparable operating playbook to Campco, including rewards checking, certificate, and consumer loan products.
• Connexus Credit Union: Community-chartered federal credit union with a multi-state field of membership and strong digital banking focus. Closely comparable to Campco's strategy of expanding geographic eligibility while investing in online and mobile channels.

Broad incumbents

• BECU: One of the largest U.S. community credit unions, originally tied to a single employer group and now serving a broad community charter. Useful benchmark for the longer-term scale Campco's community-charter expansion could approach.

Regional players

• Montana Education Federal Credit Union (mEFCU): Montana-based federal credit union operating in the same Yellowstone/Stillwater/Carbon counties Campco just added to its field of membership. Comparable community-anchored FCU with overlapping lending and deposit products in the same regional banking market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/campco-federal-credit-union

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Campco Federal Credit Union