Community Link Federal Credit Union

What Community Link Federal Credit Union does

Community Link Federal Credit Union (CLFCU, formerly United Poles Federal Credit Union) is a federally chartered, member-owned credit cooperative founded in 1932 and headquartered in Huntington, Indiana. It serves individual consumers, small businesses, and youth/student segments in Northeast Indiana through two physical branches (one main office at 325 Etna Avenue and one by-appointment branch) and digital channels including iOS/Android mobile apps, online banking, and online loan applications. The product portfolio spans deposit services (checking, savings, investments), a full lending suite (auto, motorcycle, personal, recreational vehicle, mortgage, business, with a Sallie Mae referral arrangement for student loans), and Visa credit cards issued via a PSCU partnership.

The underlying technology stack is largely outsourced: PSCU provides Visa cardholder services and credit card processing; Co-Op Financial Services and Alliance One extend ATM access beyond the Huntington footprint; Allied Solutions offers extended warranty quoting through its iQQ platform; SMS Services Now powers debit card fraud alerts; and Blossom hosts the website CMS. There are no disclosed proprietary AI/ML, blockchain, or differentiated technology components — the platform is a standard small-credit-union digital banking stack.

The business model is cooperative rather than for-profit in the conventional sense: CLFCU generates revenue primarily through net interest income on its loan portfolio (auto loans starting at 4.602% APR, personal loans at 9.565% APR, fixed mortgages at 5.288% APR, plus credit card interchange via PSCU), supplemented by deposit account fees and interchange. As a federally chartered NCUA-insured institution, it carries deposit insurance up to $250,000 and operates as a not-for-profit with surpluses returned to members through rate and fee advantages. Pricing is tiered by credit score, term, and relationship depth (active checking + automatic payment required for best rates). GTM motion is direct-to-consumer via branches, the website, and an Invite-A-Friend referral program, with no disclosed M&A, funding, or expansion beyond the Huntington market. Leadership includes Misty Harrison as President & CEO.

Name

Community Link Federal Credit Union

Legal name

Community Link Federal Credit Union

Website

https://communitylinkfcu.com

Company type

Private

Founded year

1932

Operating status

Operating

Headcount range

11–50 employees

Short description

Community Link Federal Credit Union is a federally chartered, NCUA-insured member-owned credit cooperative in Huntington, Indiana, serving individual consumers, small businesses, and youth members with deposit accounts, consumer and mortgage lending, Visa credit cards, and digital banking across two branches.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

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

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Retail banking services
• Consumer lending products
• Mortgage lending services
• Credit union membership
• Digital banking platform

Headquarters

HQ city

Huntington

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Lending: Primary revenue stream from interest charged on loans including auto loans, personal loans, mortgages, recreational vehicle loans, and credit cards. Rates vary by product type and creditworthiness.
2. Deposit Account Fees and Services: Revenue from checking and savings account services, possibly including maintenance fees, overdraft fees, and other account-related charges.
3. Credit Card Interchange: Revenue generated from Visa credit card transactions through their partnership with PSCU.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Community Link Federal Credit Union is a member-owned financial cooperative that provides personal and business banking services, including savings and checking accounts, consumer and commercial loans (auto, motorcycle, personal, recreational, mortgage), Visa credit cards, youth and student banking programs, and digital banking via mobile apps and online portals. The credit union is federally insured by the NCUA and serves the Northeast Indiana community from Huntington with a main office and branch.

Product overview

Community Link Federal Credit Union offers a unified banking platform combining traditional financial services with digital banking capabilities. The product portfolio centers on personal and business banking (checking, savings, investments), comprehensive lending (personal loans, auto/motorcycle, mortgages, recreational vehicles, business lending), and Visa credit cards managed through PSCU. The credit union also provides specialized youth banking programs and a Welcome Center for member onboarding. All services integrate through digital and physical channels, with member access via online banking, mobile apps for iOS and Android, and two physical locations in Huntington, Indiana.

Differentiator

Problem solved

Functional benefit

Products and services

• Digital Banking Online and mobile banking platform enabling members to access accounts, transfer funds, and manage finances remotely through digital channels, including mobile apps for iOS and Android.
• Personal Banking Traditional banking services including savings accounts, checking accounts, and investment products for individual members.
• Business Banking Comprehensive banking solutions for business members including business membership accounts and business banking services.
• Personal Lending Consumer loans including auto loans, motorcycle loans, personal loans, and recreational vehicle loans with competitive APR rates starting at 4.602% for qualified auto borrowers.
• Mortgage Services Fixed mortgage products with rates starting at 5.288% APR, including first-time home buyer programs to assist members in purchasing their first home.
• Business Lending Commercial lending solutions for business members to support business growth and operational financing needs.
• Visa Credit Cards CLFCU Visa credit card products featuring promotional offers such as 0% APR for 6 months on qualified summer travel purchases, with cardholder services provided through PSCU.
• CLFCU Youth Youth banking program designed to teach young members financial literacy and provide age-appropriate banking products and services.
• Recreational Loans Financing options for boats, RVs, campers, UTVs, jet skis, ATVs, and golf carts with competitive rates for qualified borrowers.
• Student Banking Student banking offering including Sallie Mae student loans referenced through CLFCU as a referral partner for student lending products.

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Partnerships

Three partnerships are on record, tiered core and minor.

• PSCUcoreTechnology or IntegrationPSCU provides Visa cardholder services and digital banking platform access for CLFCU's credit card program. Members access credit card services through PSCU's portal at dxonline-apps-s1-cloud.pscu.com.
• Sallie MaeminorChannel Partner/ Reseller/ DistributorCLFCU offers Sallie Mae student loans as a referral partner, directing members to Sallie Mae for student lending products with CLFCU membership benefits.
• NCUA (National Credit Union Administration)coreOthersNCUA is the independent federal agency that charters and supervises federal credit unions. CLFCU is federally insured by NCUA, providing deposit insurance up to $250,000.

Scale indicators1 record

Recent moves5 records

Expansion highlights3 records

Others

• Co-Op Financial Services: Major credit union service organization that CLFCU already partners with for ATM network access and shared branching. Relevant ecosystem peer given the dependency and operational adjacency.

Regional players

• FORUM Credit Union: Indiana-headquartered community credit union with a multi-branch footprint serving the Indianapolis metro. Comparable as a mid-sized Indiana credit union offering full personal/business banking and lending products.
• Centennial Lending / Local Huntington Banks: First National Bank of Huntington and similar small-town Indiana commercial banks competing for the same deposit and consumer loan customers in CLFCU's geographic footprint. Comparable as locally based retail/commercial banking alternatives.
• Members Source Credit Union: Small Indiana community credit union offering similar personal banking, lending, and member-owned cooperative services. Comparable in scale and community banking model.
• Purdue Federal Credit Union: Indiana-based federal credit union serving Purdue-affiliated members across the state. Directly comparable as an Indiana-headquartered, NCUA-insured community credit union offering consumer lending, mortgages, and deposit products.
• Pathway Credit Union: Community credit union operating in Northeast/Central Indiana markets. Directly comparable geographic competitor for Huntington-area consumer deposits and loans.
• Indiana University Credit Union: Indiana-based community credit union serving the IU community and broader Bloomington/Indianola market. Comparable as a federally chartered Indiana credit union with consumer lending and student/youth focus.

Emerging players

• SchoolsFirst Federal Credit Union: Large community-focused federal credit union organized around a defined membership base. Comparable as a federally chartered, NCUA-insured, member-owned cooperative offering full-service banking.

Broad incumbents

• Bethpage Federal Credit Union: Large, well-established federal credit union serving a defined community/membership group on the East Coast. Comparable federal charter, NCUA insurance, and full personal/business product set, but significantly larger in scale.
• Navy Federal Credit Union: Largest U.S. credit union, federally chartered and NCUA-insured, serving a defined military-affiliated membership. Comparable institutional structure but vastly larger scope of products and membership.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/clfcu

Compliance1 record

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 Community Link Federal Credit Union