WFCU
Wichita Federal Credit Union is a member-owned, federally chartered credit union serving 17,000+ members across five Kansas counties with checking, savings, auto, mortgage, and Visa products distributed through four branches, video banking, and a digital/mobile platform.
- Company typePrivate
- Founded1940
- HeadquartersWichita, United States
- Headcount11–50
- GTM typeB2C
- OfferingServices
What WFCU does
Wichita Federal Credit Union (WFCU) is a member-owned, federally chartered credit union founded in 1940, originally as Wichita Municipal Federal Credit Union to serve City of Wichita employees and renamed WFCU in 2006 when its field of membership was expanded. The institution operates from its headquarters at 9835 E. 21st St. N., Wichita, Kansas, with branches at 21st & Webb, 13th & West, City Hall, and (post-merger) McConnell Air Force Base, serving members across five Kansas counties: Butler, Cowley, Harvey, Sedgwick, and Sumner.
The core technology platform combines online and mobile banking with a member-facing "On The Go" video banking service, a Visa debit/credit card product line with mobile wallet tokenization, and network access through CO-OP ATMs and Shared Branching for coast-to-coast service. Underlying banking products include checking and savings accounts, certificates of deposit, auto loans (APR as low as 4.99% with AutoPay), mortgages (VA, FHA, conventional, and home equity), personal loans, youth accounts, and ancillary offerings such as "Skip A Pay," "Life Stages Loans," and "Debt Protection with Life Plus." Educational programming is delivered via the BANZAI platform and in-person classes.
Revenue is generated primarily through net interest spread between loan yields (auto loans at 4.99% APR, Visa credit at 13.50% APR) and deposit costs (6-month CD at 3.80% APY), supplemented by checking account fees, debit/credit interchange, loan origination, and member services. Following the October 1, 2025 merger with Freedom 1st Federal Credit Union, the combined entity reports $254M+ in assets and 17,000+ members, with full system integration into WFCU's digital banking platform scheduled for 2026. Ashley Bautista serves as President & CEO of the combined organization, operating under NCUA insurance and federal regulatory oversight as a not-for-profit financial cooperative.
WFCU firmographics
Firmographics- Name
- WFCU
- Legal name
- Wichita Federal Credit Union
- Website
- https://wichitafcu.com
- Company type
- Private
- Founded year
- 1940
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Wichita Federal Credit Union is a member-owned, federally chartered credit union serving 17,000+ members across five Kansas counties with checking, savings, auto, mortgage, and Visa products distributed through four branches, video banking, and a digital/mobile platform.
- Ownership category
- akta.pro rank
WFCU industry classification
Industry- Product category
- Retail Banking (Credit Union)
- NAICS
- Credit Unions (52213)
- akta.pro primary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
- akta.pro secondary industry
- Public Sector & Municipal Credit Unions (FSABAEAK)
Keywords
Where WFCU is headquartered
LocationHeadquarters
- HQ city
- Wichita
- HQ country
- United States
- HQ region
- North America
Offices5 records
Markets served
WFCU business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Checking Account Fees and Services: Monthly service fees and transaction-based revenue from checking account products including Visa debit cards.
- Loan Interest Income: Interest income from auto loans, mortgages, personal loans, and Visa credit cards. Auto loans as low as 4.99% APR, Visa credit cards as low as 13.50% APR.
- Deposit Account Interest Spread: Revenue generated from the spread between interest paid on deposits (e.g., 6-month CD at 3.80% APY) and interest earned on loans.
- Savings Account Services: Savings accounts, youth accounts, and certificate of deposit products generating deposit-based revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Auto Loans with AutoPay |
| Subscription | Monthly | Visa Credit Card |
| Subscription | Annual | 6-Month CD |
| One time/ perpetual license | Monthly | Membership Account |
Go-to-market motion1 record
Distribution channels5 records
Marketing channels6 records
WFCU product offering
Product offeringCore offering
Wichita Federal Credit Union (WFCU) is a member-owned credit union providing personal banking products and services including checking and savings accounts, auto loans, mortgages (VA, FHA, conventional, home equity), Visa credit and debit cards, personal loans, and certificates of deposit. Services are distributed through four physical branches in the Wichita, Kansas area, a digital banking platform with online and mobile access, video banking ("On The Go"), and nationwide CO-OP ATM and Shared Branching networks, serving more than 17,000 members following the October 2025 merger with Freedom 1st Federal Credit Union.
Product overview
Wichita Federal Credit Union (WFCU) operates as a single-unified credit union offering a comprehensive portfolio of personal banking products and digital services. The core offerings include checking and savings accounts, auto loans, mortgages (VA, FHA, conventional, home equity), Visa credit and debit cards, and personal loans. The digital banking platform provides 24/7 access via online and mobile channels, supplemented by On The Go Video Banking for face-to-face consultations. Additional services include youth accounts, life stages loans, debt protection, skip-a-pay flexibility, and financial education resources through BANZAI and in-person classes. The credit union recently merged with Freedom 1st Federal Credit Union in October 2025, expanding its field of membership to five Kansas counties.
Differentiator
Problem solved
Functional benefit
Products and services
- Checking Accounts Personal checking account products with Visa debit card access, available to members of the credit union.
- Savings Accounts Savings account products with competitive rates for credit union members.
- Youth Accounts Savings and checking accounts designed for young members with age-appropriate features and financial education support.
- Certificates of Deposit (CDs) Term deposit accounts offering competitive rates, with 6-month CDs at 3.80% APY available to members.
- Auto Loans Vehicle financing including new and used auto loans with AutoPay rates as low as 4.99% APR.
- Mortgages Home mortgage products including VA, FHA, conventional, and home equity loans for members.
- Visa Credit Cards Credit card products with APR as low as 13.50% and an extra awards program for cardholders.
- Visa Debit Card Debit card with tap-to-pay functionality and access to CO-OP surcharge-free ATMs.
- Personal Loans Consumer loans with low rates and flexible terms for various personal financial needs.
- Life Stages Loans Personalized loan products designed for different life stages and financial situations.
Companies that use WFCU
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
WFCU technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature3 records
WFCU partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- Freedom 1st Federal Credit UnioncoreWichita Federal Credit Union completed a merger with Freedom 1st Federal Credit Union on October 1, 2025. The combined organization operates under the WFCU name with combined assets of $254 million+ and over 17,000 members. WFCU President & CEO Ashley Bautista leads the merged entity. Freedom 1st's CEO Ronda Posch retired after 36 years of service.
- CO-OP NetworkcoreWFCU is a member of the CO-OP Network, providing surcharge-free ATM access to members coast to coast through the CO-OP ATM Locator.
- Shared Branching NetworkcoreWFCU participates in the Shared Branching network, allowing members to access branch services from coast to coast including Wichita and surrounding areas through the Shared Branch Locator.
- NCUA (National Credit Union Administration)coreWFCU deposits are federally insured by the NCUA, providing up to $250,000 in protection per individual membership. NCUA provides separate insurance coverage for different ownership categories including IRAs and trust accounts.
Scale indicators4 records
Recent moves7 records
Expansion highlights5 records
WFCU competitors and assessment
Company assessmentDirect peers
- Meritrust Credit Union: Wichita-based member-owned credit union with overlapping consumer banking, lending, and digital products serving the same Wichita-area market. Highly comparable cooperative model and product breadth.
- Credit Union of America: Wichita-based community credit union offering checking, savings, and consumer loans to members in the same Kansas geography. Directly competes for the same consumer deposit and lending relationships as WFCU.
- Empower Federal Credit Union: Federally chartered credit union offering consumer banking, loan products, and digital services under the same NCUA-insured model as WFCU. Comparable cooperative structure with multi-channel distribution.
- Alliant Credit Union: Federally chartered, member-owned credit union with consumer banking and lending products distributed primarily through digital channels. Highly comparable to WFCU's online/mobile + branch strategy.
- Security Service Federal Credit Union: Federally chartered credit union with consumer deposits, mortgage lending, and a multi-state field of membership. Operates an analogous NCUA-regulated cooperative model to WFCU at a larger scale.
- BECU: Large federally chartered, member-owned credit union offering checking, savings, mortgages, auto loans, and digital banking. Same NCUA cooperative structure and comprehensive retail product set as WFCU.
- Connexus Credit Union: Federally chartered credit union with a strong digital-first delivery model alongside branch presence, offering consumer lending and deposit products analogous to WFCU's multi-channel approach.
- Digital Federal Credit Union (DCU): Federally chartered credit union serving members across multiple states with consumer banking, auto lending, mortgages, and digital channels. Same NCUA-insured cooperative model and product breadth as WFCU.
Regional players
- Intrust Bank: Wichita-headquartered regional bank with consumer banking, mortgages, and small business products competing head-to-head for Wichita-area household deposits and loans, though structured as a for-profit bank rather than cooperative.
- Bell Bank: Mid-size regional bank with significant presence in Wichita offering consumer deposits, lending, and mortgage products comparable to WFCU's core product set. Direct competitor for branch-based relationships in Kansas.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
WFCU social profiles
Digital presenceWFCU compliance and trust
Trust signalCompliance2 records
WFCU financial estimates
Financial estimateRevenue estimate
Valuation estimate
WFCU leadership team
Management profileNumber of profiles
Profiles1 record
WFCU funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
WFCU M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about WFCU
What does WFCU do?
Wichita Federal Credit Union (WFCU) is a member-owned credit union providing personal banking products and services including checking and savings accounts, auto loans, mortgages (VA, FHA, conventional, home equity), Visa credit and debit cards, personal loans, and certificates of deposit. Services are distributed through four physical branches in the Wichita, Kansas area, a digital banking platform with online and mobile access, video banking ("On The Go"), and nationwide CO-OP ATM and Shared Branching networks, serving more than 17,000 members following the October 2025 merger with Freedom 1st Federal Credit Union.
Is WFCU a public or private company?
WFCU is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was WFCU founded?
WFCU was founded in 1940. It employs 11 to 50 people.
Where is WFCU based?
WFCU is headquartered in Wichita, United States, in the North America region.
How does WFCU make money?
Four revenue lines are on record. Checking Account Fees and Services are the primary driver. The others are loan Interest Income, deposit Account Interest Spread and savings Account Services.
Who are WFCU's main competitors?
Direct peers on record are Meritrust Credit Union, Credit Union of America, Empower Federal Credit Union, Alliant Credit Union, Security Service Federal Credit Union, BECU, Connexus Credit Union and Digital Federal Credit Union (DCU). Regional players are Intrust Bank and Bell Bank.
Does WFCU have an API?
No public API is recorded for WFCU.
What industry is WFCU in?
WFCU's product category is Retail Banking (Credit Union). Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus), with a secondary code of FSABAEAK, Public Sector & Municipal Credit Unions. Its NAICS code is 52213.