Diablo Valley Federal Credit Union

What Diablo Valley Federal Credit Union does

Diablo Valley Federal Credit Union (DVFCU) is a federally chartered, member-owned credit union headquartered at 1051 Detroit Avenue, Concord, California. Originally founded on May 23, 1961 as the Walnut Creek Municipal and Postal Employees Credit Union with eight charter members and a combined $40 deposit, the institution was renamed in 1984 and granted a community charter by the NCUA in 2007, opening membership to any person who lives, works, worships, or attends school across 14 cities in central Contra Costa County. The institution serves more than 3,000 members through a single physical branch and a multi-channel digital infrastructure.

DVFCU operates a full-service retail banking platform anchored on two product lines: deposit accounts (free checking, regular savings, money market, share certificates, Traditional/Roth IRAs, and Coverdell ESAs) and consumer lending (auto loans at 4.99%-14.68% APR with up to 100% financing, RV/boat loans at 7.75%-9.75% APR with terms up to 180 months, personal loans at 9.99%-15.99% APR, home equity lines of credit at 6.50% APR with no closing costs, and a Visa Platinum credit card at 9.9%-15.9% variable APR with no annual fee). Digital delivery is provided through the e*Teller online banking platform, an iOS/Android mobile banking app, an automated 24/7 telephone teller, and the CU Service Centers shared branching network that extends the institution's footprint to roughly 30,000 surcharge-free ATMs and 5,000+ branches nationwide.

The revenue model is a standard credit-union net-interest-margin-plus-fee model: primary income derives from interest on the consumer loan portfolio, supplemented by service fees (overdraft, wire transfers, notary, loan processing), credit card fees, and interchange. Deposits are federally insured by the NCUA up to $250,000. The institution is governed by a volunteer Board of Directors, with John Pamer serving as CEO. As a cooperative, DVFCU has no stockholders; surpluses are returned to members through lower loan rates and higher dividend payouts. There are no subsidiaries, no external funding rounds, and no disclosed parent company.

Name

Diablo Valley Federal Credit Union

Legal name

Diablo Valley Federal Credit Union

Website

https://diablovalleyfcu.org

Company type

Private

Founded year

1961

Operating status

Operating

Headcount range

11–50 employees

Short description

Diablo Valley Federal Credit Union is a member-owned federal credit union serving 3,000+ members across 14 cities in central Contra Costa County, California, offering deposit accounts, consumer loans, mortgages, and a Visa Platinum credit card through digital, branch, and shared-branching channels.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (522130)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

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

Keywords

• Retail banking services
• Consumer lending
• Credit union services
• Deposit accounts
• Home equity loans

Headquarters

HQ city

Alamo

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Loans: Primary revenue from interest charged on auto loans, home equity loans, personal loans, mortgages, credit cards, and recreational vehicle loans
2. Service Fees: Fees from overdraft protection, returned items, stop payments, wire transfers, notary services, ATM transactions, account services, and loan processing
3. Credit Card Fees: Annual fees, replacement card fees, late payment fees, and return payment fees from Visa Platinum credit card program

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Diablo Valley Federal Credit Union is a member-owned cooperative that provides consumer banking, lending, and deposit products — including checking, savings, money market, share certificates, IRAs, auto loans, home equity loans, personal loans, RV/boat loans, and a Visa Platinum credit card — to individuals who live, work, worship, or attend school in 14 central Contra Costa County cities. Members access accounts through a Concord branch, the e*Teller online banking platform, a mobile app, telephone teller, and a shared branching network that extends service nationwide.

Product overview

Diablo Valley Federal Credit Union operates as a financial cooperative offering a unified portfolio of banking and lending products. The core offering centers on deposit accounts (checking, savings, money market, certificates, IRAs) and loan products (auto, personal, home equity, and credit cards). Digital banking is delivered through the e*Teller online banking platform, mobile banking app, and telephone teller system. The Visa Platinum credit card integrates with Apple Pay for mobile payments and uChoose Rewards (powered by Fiserv) for points-based rewards. Account access is available through shared branching at thousands of CU Service Center locations nationwide.

Differentiator

Problem solved

Functional benefit

Products and services

• Visa Platinum Credit Card Platinum Visa credit card with no annual fee, variable APR of 9.9%-15.9% based on credit score, balance transfer capabilities, and uChoose Rewards points earning, available to qualified members in central Contra Costa County.
• Auto Loans Vehicle purchase financing and refinancing for new and used cars (model years 2016-2025+), with rates from 4.99% APR, terms up to 84 months, and up to 100% financing for qualified borrowers in central Contra Costa County.
• Motorcycle, RV, & Boat Loans Financing for motorcycles, recreational vehicles, and boats, with rates from 7.75% to 9.75% APR, terms up to 180 months for larger RVs/boats, and 80% maximum financing, available to qualified members.
• Personal Loans Signature loans or share/certificate-secured loans for personal purposes, with fixed rates from 9.99% to 15.99% APR depending on term, terms from 12 to 60 months, available to qualified members.
• Home Equity Loans / Lines of Credit Home equity financing allowing members to borrow up to 80% of available home equity, with a variable rate of 6.50% APR, no closing costs, and early closure reimbursement within 36 months.
• e*Teller Online Banking 24/7 online banking platform enabling members to view balances, transfer funds, review transaction history, request checks, pay bills, and download account data into Quicken or Microsoft Money.
• Mobile Banking App Mobile banking application for iOS and Android providing real-time account balances, fund transfers, bill pay, mobile check deposit, card management, branch/ATM locator, and account alerts to members.
• Bill Pay Electronic bill payment service enabling one-time and recurring payments scheduled up to one year in advance, with ebill management and 18 months of payment history access for members.
• Telephone Teller Automated 24/7 telephone banking service enabling members to check balances, review transactions, transfer funds, and make loan payments via voice prompts.
• Free Checking Free checking account with direct deposit, a MasterCard debit card, free online and mobile access, and bill pay; available to members and to youth ages 16-18 with a parent or guardian.
• Savings Accounts Savings programs including regular share/savings, club accounts, and Christmas club accounts with competitive dividend rates, with a $5 minimum opening deposit.
• Money Market Account Tiered money market savings account with competitive dividends, limited check access (up to 3 checks per month), and up to 3 automatic payments per month.
• Share Certificates Certificate accounts with terms from 6 to 36 months and a $1,000 minimum, with a special 90-day rate of 3.41% APY available for balances of $10,000-$100,000.
• IRA Accounts (Traditional & Roth) Individual retirement accounts offering Traditional and Roth options with contribution limits, tax advantages, and various distribution options, including IRA certificates from 1.15% to 3.41% APY.
• Coverdell Education Savings Account (ESA) Education savings account allowing tax-free contributions and withdrawals to fund elementary, secondary, and college expenses for a designated beneficiary.
• Youth & Kids Accounts Youth savings program including the $25 First Share Program for children 12 and under, with the credit union providing the initial $25 deposit to start the savings relationship.
• Mortgages Mortgage lending product offered through the credit union's CU Lending partnership site, with up-to-the-minute rates available to members purchasing or refinancing residential property.

Quantifiable outcome

• 3.41% APY on 90-day certificate special for balances $10,000-$100,000
• +3 more outcomes

Named customers1 record

Segments3 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

Feature5 records

Partnerships

Seven partnerships are on record, tiered minor and core.

• GetAwayToday.comminorGTM or Marketing PartnerVacation discount partnership offering Diablo Valley FCU members discounts on vacations, amusement park tickets, and hotels through GetAwayToday.com referral program.
• Fannie MaecoreOthersFor members whose mortgages are owned by Fannie Mae, additional workout options may be available through knowyouroptions.com. Fannie Mae eligibility may qualify members for additional mortgage assistance programs.
• CU Service CenterscoreChannel Partner/ Reseller/ DistributorShared branching network providing members access to nearly 30,000 surcharge-free ATMs and more than 5,000 branch locations across the country where deposits and withdrawals can be made.
• VisacoreTechnology or IntegrationVisa Platinum credit card program with uChoose Rewards and Apple Pay integration, enabling contactless payments and reward points earning.
• ApplecoreTechnology or IntegrationApple Pay integration enabling Visa Platinum card holders to make contactless payments using iPhone, iPad, and Apple Watch devices.
• Freddie MaccoreOthersBorrowers may be required to complete Freddie Mac Form 710 (Borrowers Assistance Form) as part of mortgage hardship assistance evaluation process.
• HUD (Department of Housing and Urban Development)minorOthersDiablo Valley FCU refers members facing financial hardship to HUD-sponsored housing counselors available through hud.gov or toll-free at 800-569-4287.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Patelco Credit Union: Pleasanton, CA-based large credit union serving the broader Bay Area with a much wider product suite and branch network, representing the scaled incumbent DVFCU competes against in its charter region.
• SchoolsFirst Federal Credit Union: California's largest school-employee credit union with statewide presence, offering deposit, lending, and digital banking products that exemplify the larger community-charter credit union model DVFCU operates within at a smaller scale.
• Golden 1 Credit Union: California's largest credit union, headquartered in Sacramento, offering statewide deposit, lending, and digital banking services that define the upper bound of scale DVFCU must compete against.
• Chevron Federal Credit Union: Large federal credit union serving Chevron employees and Bay Area residents, offering a comprehensive deposit and loan suite with much greater scale and digital investment capacity than DVFCU.

Direct peers

• Bay Federal Credit Union: Marina, CA-based community federal credit union of similar size and charter scope, offering deposit accounts, consumer loans, and shared branching with comparable operational footprint and target member profile.
• First Northern Credit Union: Dixon, CA-based community credit union serving Northern California residents with similar deposit, auto loan, and consumer lending offerings under a comparable community-charter model.
• Pacific Service Credit Union: Walnut Creek, CA-based community credit union serving the same Contra Costa County geography as DVFCU with similar retail banking and consumer lending products, making it the closest geographic and product peer.
• Travis Credit Union: Vacaville, CA-based community federal credit union serving Solano and Contra Costa-adjacent counties with comparable deposit, auto loan, and consumer lending products targeting similar Bay Area suburban members.
• SafeAmerica Credit Union: Pleasanton, CA-based small federal credit union serving Bay Area residents with community-style deposit and loan products at a comparable scale and member-owned cooperative structure.
• SESLOC Federal Credit Union: San Luis Obispo County-based federal credit union of similar community charter scope, offering deposit products, auto loans, and member-owned cooperative governance paralleling DVFCU's structure.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/diablovalleyfcu
• Facebookfacebook.com/Diablo-Valley-Federal-Credit-Union-101201743386
• LinkedInlinkedin.com/company/diablo-valley-bank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Diablo Valley Federal Credit Union