Coosa Valley Credit Union
Coosa Valley Credit Union is a federally chartered, member-owned credit union founded in 1954, serving consumers, families, and small businesses across 13 Northwest Georgia counties through 11 branch locations and digital banking channels with deposit, lending, and credit card products.
- Company typePrivate
- Founded1954
- HeadquartersRome, United States
- Headcount51–100
- GTM typeB2C
- OfferingServices
What Coosa Valley Credit Union does
Coosa Valley Credit Union is a federally chartered, member-owned, not-for-profit credit union founded in 1954 by nine General Electric of Rome employees who pooled $45 to start the institution, originally operating as General Electric Federal Credit Union. Headquartered at 1307 Redmond Road in Rome, Georgia, it serves individual consumers, families, and small businesses across 13 eligible Northwest Georgia counties (Bartow, Catoosa, Chattooga, Cherokee, Cobb, Dade, Floyd, Gordon, Haralson, Paulding, Polk, Walker, and Whitfield) through 11 branch locations, an administration building, and a surcharge-free ATM network. Membership is governed by a member-elected Board of Directors, with profits returned to members through lower loan rates and higher deposit yields rather than distributed to external shareholders.
The core product offering spans three pillars: deposit accounts (Benefits Checking, Benefits Plus Checking, Student Checking for ages 10-17, Next Step Checking, Share Savings, Special Savings, Money Market, IRAs, and Coosa Valley Kids youth savings), lending products (auto loans from 3.99% APR, personal loans from 7.99% APR up to $10,000, secured loans, mortgages and HELOCs, business loans, and personal and business credit cards), and digital banking services. The technology infrastructure is built on a standard third-party core banking platform with a branded mobile application (iOS and Android), online banking, e-statements, mobile deposit, bill pay, and digital wallet support (Apple Pay, Google Pay, Samsung Pay). Add-on services include Skip-A-Pay loan flexibility, GAP and depreciation auto protection, payment protection, insurance services, wire transfers, and a repossessed-vehicle listing service.
The revenue model is built on net interest income from the lending portfolio, complemented by transaction fees (deposit account fees, overdraft, wire transfers, and credit card interchange). The credit union is federally insured by the NCUA and has completed a merger with Northwest Georgia Credit Union to expand its scale. It has earned multiple third-party recognitions including Forbes Best Credit Unions, Fortune Best Workplaces in Financial Services & Insurance 2025, and Great Place to Work certification. Leadership is headed by President and CEO Andy F. Harris, who also serves on the League of Southeastern Credit Unions Board.
Coosa Valley Credit Union firmographics
Firmographics- Name
- Coosa Valley Credit Union
- Legal name
- Coosa Valley Credit Union
- Website
- https://mycvcu.org
- Company type
- Private
- Founded year
- 1954
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Coosa Valley Credit Union is a federally chartered, member-owned credit union founded in 1954, serving consumers, families, and small businesses across 13 Northwest Georgia counties through 11 branch locations and digital banking channels with deposit, lending, and credit card products.
- Ownership category
- akta.pro rank
Coosa Valley Credit Union industry classification
Industry- Product category
- Retail Banking (Credit Union)
- NAICS
- Credit Unions (52213), Credit Unions (522130)
- SIC
- Savings Institution, Federally Chartered (6035)
- akta.pro primary industry
- Community Credit Unions (Retail/Consumer Focus) (FSABAEAA)
Keywords
Where Coosa Valley Credit Union is headquartered
LocationHeadquarters
- HQ city
- Rome
- HQ country
- United States
- HQ region
- North America
Offices12 records
Markets served
Coosa Valley Credit Union business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Infrastructure, Operations, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: The primary revenue stream comes from interest earned on loans including auto loans, personal loans, home loans, and business loans. As a not-for-profit credit union, profits are returned to members through lower rates on loans and higher rates on deposits.
- Deposit Account Fees and Services: Fees from checking accounts, savings accounts, and other deposit products including overdraft fees, wire transfer fees, and account maintenance fees.
- Credit Card Revenue: Revenue from personal and business credit cards including interchange fees and interest charges.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Monthly | Auto Loans starting at 3.99% APR |
| Transaction based/ take rate | Monthly | Personal Loans starting at 7.99% APR |
| Transaction based/ take rate | Monthly | Credit Card 0% APR for 21 billing cycles |
| Subscription | Annual | Jumbo CD 4.28% APY for 12-month term |
| One time/ perpetual license | Monthly | Membership Account Opening |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
Coosa Valley Credit Union product offering
Product offeringCore offering
Coosa Valley Credit Union is a member-owned, not-for-profit financial cooperative offering checking and savings accounts, auto/home/personal/secured/business loans, credit and debit cards, and digital banking across Northwest Georgia. Profits are returned to members through lower loan rates and higher deposit yields.
Product overview
Coosa Valley Credit Union operates as a member-owned financial institution offering a comprehensive suite of banking products organized around three core pillars: deposit accounts (checking, savings, money market, and IRA accounts), lending products (auto, home, personal, secured, and business loans plus credit cards), and digital banking services. The checking account lineup includes Benefits Checking, Benefits Plus Checking, Student Checking (ages 10-17), and Next Step Checking as entry-level options. Savings products include Share Savings, Special Savings, Money Market, IRA, and the youth-focused Coosa Valley Kids program. Lending spans auto loans (with rates from 3.99% APR), home loans including mortgages and HELOCs, personal loans (typically up to $10,000), secured loans, and business loans. Credit cards include both personal and business variants with promotional offers. Add-on services include digital banking via mobile app, Skip-A-Pay for loan flexibility, insurance services, vehicle protection products (GAP, Complete Auto Value, Depreciation Protection), wire transfers, and vehicles for sale. The credit union serves 13 eligible counties in Northwest Georgia through 11 branch locations plus ATMs.
Differentiator
Problem solved
Functional benefit
Products and services
- Benefits Checking Primary checking account with essential banking features and benefits for everyday banking needs.
- Benefits Plus Checking Enhanced checking account with additional perks and features beyond the standard Benefits Checking.
- Student Checking Checking account designed for ages 10-17, featuring a debit card and mobile banking access with parental monitoring tools to teach financial skills.
- Next Step Checking Checking account for members who may not qualify for standard checking accounts, providing a pathway to better banking.
- Share Savings Account Primary savings account that serves as the foundation of credit union membership, requiring a $25 minimum deposit.
- Special Savings Account Additional savings account for setting aside funds for specific goals or emergencies separate from the primary share savings.
- Individual Retirement Account (IRA) Tax-advantaged retirement savings accounts to help members prepare for retirement.
- Money Market Account Savings account with competitive interest rates for members with larger balances seeking to grow their savings.
- Coosa Valley Kids Youth savings program designed to teach children about saving money and financial responsibility from an early age.
- Auto Loans Financing for new and used vehicles with competitive rates as low as 3.99% APR, including pre-approval and refinancing options.
- Home Loans Mortgage and home financing products including traditional mortgages, home equity lines of credit (HELOC), and land loans for purchasing or refinancing homes.
- Personal Loans Unsecured loans typically up to $10,000 for unexpected expenses, debt consolidation, medical bills, or major purchases with fixed monthly payments; rates as low as 7.99% APR.
- Secured Loans Loans backed by collateral such as a paid-off vehicle for members needing amounts exceeding personal loan limits or better rates.
- Business Loans Commercial lending products including SBA Paycheck Protection Program loans and other financing options for business owners.
- Personal Credit Cards Credit cards for individual members with promotional offers such as 0% APR for 21 billing cycles on purchases and balance transfers.
- Business Credit Cards Credit card products designed for business owners to manage business expenses and cash flow.
- Debit Cards Visa debit cards for everyday purchases with surcharge-free ATM access at thousands of locations nationwide.
- Business Accounts Checking and savings accounts tailored for business owners with features to manage business finances.
- e-Services / Online & Mobile Banking Digital banking platform with mobile app for iOS and Android, online account management, e-statements, e-bill pay, and mobile deposit capabilities.
- Skip-A-Pay Program allowing eligible members to skip a loan payment during summer months for increased financial flexibility.
- Insurance Services Insurance products and verification services to protect members' financial assets and provide peace of mind.
- GAP Auto Protection Guaranteed Asset Protection coverage that covers the difference between a vehicle's actual cash value and the balance owed if the car is totaled or stolen.
- Payment Protection Credit protection service that can help cover loan payments in cases of involuntary unemployment, disability, or death.
- Complete Auto Value Protection Vehicle protection product covering mechanical breakdowns and repairs beyond the manufacturer's warranty.
- Depreciation Protection Protection against vehicle depreciation to help members who owe more than their car is worth.
- Wire Transfer Services Domestic and international wire transfer services for sending money quickly to any financial institution worldwide.
- Cars for Sale Listing service featuring repossessed and off-lease vehicles available for purchase by members.
Quantifiable outcome
- Lower auto loan rates - credit unions typically offer 2.70% compared to 4.72% at banks for 60-month new car loans
Companies that use Coosa Valley Credit Union
Customer profileNamed customers1 record
Segments3 records
Ideal customer profiles2 records
Coosa Valley Credit Union technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Coosa Valley Credit Union partnerships and signals
Strategic signalScale indicators4 records
Recent moves14 records
Expansion highlights5 records
Coosa Valley Credit Union competitors and assessment
Company assessmentDirect peers
- Georgia United Credit Union: Large Georgia state-wide credit union offering full retail and business banking. Directly comparable as a Georgia-headquartered member-owned cooperative with similar product breadth (checking, savings, loans, credit cards), though operating at significantly larger scale statewide.
- Delta Community Credit Union: Georgia's largest credit union serving the Atlanta metro and surrounding areas. Comparable in offering full-service retail banking (checking, savings, mortgages, auto, business banking) but with much larger asset base, broader geographic reach, and Delta Air Lines heritage membership roots similar to CVCU's GE origin.
- Associated Credit Union: Georgia-based credit union serving Northwest Georgia, including the Rome market. Directly competes with CVCU for retail and business members in the same 13-county footprint with comparable product suite and community focus.
- Peach State Federal Credit Union: Georgia-based community credit union with multiple branches across the state. Comparable as a member-owned cooperative offering similar deposit and lending products to retail members, with some geographic overlap in North Georgia.
- Robins Financial Credit Union: Georgia community credit union serving middle Georgia. Operates a similar community-cooperative model with branch network, consumer and business banking products, and member-owned structure comparable to CVCU.
Regional players
- North Georgia Credit Union: Regional community credit union serving the North Georgia mountains region. Comparable as a small community credit union with similar product offerings and member-owned cooperative structure, though operating in a different North Georgia sub-region with limited overlap.
Broad incumbents
- North Georgia National Bank (Synovus): Regional bank holding company with deep Northwest Georgia presence including Rome. Comparable as a competing depository institution offering checking, savings, loans, and credit cards across the same 13-county footprint but as a for-profit bank rather than credit union.
- United Community Bank: Georgia-headquartered regional bank with significant branch presence in North Georgia. Comparable as a competing retail and small business lender serving overlapping geography, though operating as a publicly traded commercial bank with broader product range.
- Navy Federal Credit Union: Largest U.S. credit union with broad product suite including checking, savings, mortgages, auto loans, and credit cards. Comparable as a member-owned cooperative with similar core products, though operating at massive scale with nationwide digital reach and no geographic restrictions.
Emerging players
- Self-Help Credit Union: Community development credit union with focus on underserved and second-chance banking populations. Comparable in offering inclusive products like CVCU's Next Step Checking for members with credit challenges, though operating with different mission emphasis.
Market position
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Coosa Valley Credit Union social profiles
Digital presenceCoosa Valley Credit Union compliance and trust
Trust signalCompliance8 records
Coosa Valley Credit Union financial estimates
Financial estimateRevenue estimate
Valuation estimate
Coosa Valley Credit Union leadership team
Management profileNumber of profiles
Profiles2 records
Coosa Valley Credit Union funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Coosa Valley Credit Union 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 Coosa Valley Credit Union
What does Coosa Valley Credit Union do?
Coosa Valley Credit Union is a member-owned, not-for-profit financial cooperative offering checking and savings accounts, auto/home/personal/secured/business loans, credit and debit cards, and digital banking across Northwest Georgia. Profits are returned to members through lower loan rates and higher deposit yields.
Is Coosa Valley Credit Union a public or private company?
Coosa Valley Credit Union is a private company. It is classified as management employee owned and is currently operating.
When was Coosa Valley Credit Union founded?
Coosa Valley Credit Union was founded in 1954. It employs 51 to 100 people.
Where is Coosa Valley Credit Union based?
Coosa Valley Credit Union is headquartered in Rome, United States, in the North America region.
How does Coosa Valley Credit Union make money?
Three revenue lines are on record. Interest Income is the primary driver. The others are deposit Account Fees and Services and credit Card Revenue.
Who are Coosa Valley Credit Union's main competitors?
Direct peers on record are Georgia United Credit Union, Delta Community Credit Union, Associated Credit Union, Peach State Federal Credit Union and Robins Financial Credit Union. North Georgia Credit Union is listed as a regional player. Broad incumbents are North Georgia National Bank (Synovus), United Community Bank and Navy Federal Credit Union. Self-Help Credit Union is listed as an emerging player.
Does Coosa Valley Credit Union have an API?
No public API is recorded for Coosa Valley Credit Union.
What industry is Coosa Valley Credit Union in?
Coosa Valley Credit Union's product category is Retail Banking (Credit Union). Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus). Its NAICS code is 52213 and its SIC code is 6035.