CAHP Credit Union

What CAHP Credit Union does

CAHP Credit Union is a member-owned, not-for-profit financial cooperative founded in 1969 and headquartered in Sacramento, California, that provides consumer and small-business banking services exclusively to California peace officers and their families. Membership eligibility is restricted to employees and members of nine designated law enforcement associations — CAHP, CHP, CHIA, CNOA, CalFire, ASA-DOJ, PORAC, RSA, and SCDSA — and was expanded beyond the original California Association of Highway Patrolmen charter in the 1990s via PORAC. The institution operates one retail branch in Rancho Cucamonga, CA, supported by a Sacramento corporate office, an in-house Contact Center (800.542.2247), and a Fiserv-powered online and mobile banking platform with native iOS (App Store ID 1358433574) and Android (com.cahp.mobile) applications. Member accounts are insured up to $500,000 by American Share Insurance on a by-members'-choice basis rather than through the NCUSIF; the institution is NMLS-registered (#1758819), Equal Housing Lender–designated, and compliant with GLBA, CCPA/CPRA, and USA Patriot Act Section 326 CIP requirements.

The credit union's product platform spans deposit accounts (free checking with no minimum, $50-minimum savings, tiered money market up to 2.25% APY on $50,000+, and share certificates with APYs of 3.70–3.95% on 6–18-month terms), a consumer lending suite (auto loans from 4.99% APR with up to 120-month terms and a 120-day no-payment option, RV/motorcycle loans from 6.99%, home purchase/refinance/HELOC via the cuhomeland.com mortgage platform, debt-consolidation loans, signature personal loans from 11.95% APR, and certificate/savings-secured loans from 8.00%), and three Visa credit card tiers (Platinum, PORAC Platinum from 13.49% APR, and Premier from 16.49% APR with unlimited 2% cash-back rewards tied to a qualifying checking relationship). Wealth Management Services are delivered through a partnership with Integrity Financial Corporation, a registered investment adviser, with named advisors Danny Van Attenhoven and Logan Thompson offering Calendly-scheduled consultations. Business Banking for Associations extends the platform to law enforcement associations with Business Checking, ACH/Wire, Remote Deposit Capture, Commercial Real Estate Loans, and Visa Business Credit Cards, managed by VP of Account Management Jill Alves. Payment services include Zelle P2P integration within Bill Pay at no CAHP fee and a standalone Make-A-Payment loan portal.

Revenue is generated primarily through net interest income on consumer loans (auto, mortgage, personal, debt consolidation, credit card) and net interest margin on deposits, supplemented by interchange and fee income from the Visa debit/credit card portfolio and a token ATM fee ($1 per withdrawal beyond five free monthly withdrawals on checking). Customer acquisition is community-led: field-of-membership restrictions combined with association referral networks function as the primary acquisition channel, supplemented by direct-to-consumer self-onboarding through the online application portal (applynow.cahpcu.org) and inside-sales support from the Contact Center. Engagement is sustained through the Dispatch member newsletter, downloadable financial-education resources, an annual scholarship program, and community programs including the Aaron Weikert Memorial Fund and PORAC/POREF Wildfire Relief Fund. Headcount is reported at 1–10 employees, and no revenue, asset size, or membership count is publicly disclosed in the source material.

Name

CAHP Credit Union

Legal name

CAHP Credit Union

Website

https://cahpcu.org

Company type

Private

Founded year

1969

Operating status

Operating

Headcount range

1–10 employees

Short description

CAHP Credit Union is a member-owned, not-for-profit financial cooperative founded in 1969 that provides deposit, lending, credit card, business banking, and wealth management services exclusively to California peace officers and their families eligible through nine designated law enforcement associations.

Ownership category

akta.pro rank

Product category

Retail Banking (Credit Union)

NAICS

Credit Unions (52213), Credit Card Issuing (52221), Credit Card Issuing (522210)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

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

akta.pro secondary industries

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Credit Cards & Revolving Credit (FSABAAAC)

Keywords

• Credit union services
• Consumer lending
• Deposit accounts
• Mobile banking
• Wealth management

Headquarters

HQ city

Sacramento

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Vehicle Loan Interest: Interest income from auto, motorcycle, RV, and cash-back equity loans offered at APRs as low as 4.99% (auto), with flexible terms up to 120 months and a 120-day no-payment option.
2. Home Loan and Home Equity Interest: Interest income from home purchase loans, refinancing, and home equity lines of credit, including cash-out refinance and an exclusive law-enforcement rate re-lock program.
3. Personal and Debt-Consolidation Loan Interest: Interest income from signature personal loans (as low as 11.95% APR) and certificate/savings secured loans (as low as 8.00% APR), plus debt-consolidation loans.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

CAHP Credit Union provides full-service consumer and small-business banking exclusively to California peace officers and their families. Core offerings include deposit products (checking, savings, money market, share certificates), a consumer lending suite (vehicle, home purchase/refinance/HELOC, debt-consolidation, personal loans, and Visa credit cards with cash-back rewards), wealth management advisory via Integrity Financial Corporation, and association-level business banking. Delivery is via a Fiserv-powered online and mobile banking platform, a single Rancho Cucamonga branch, and a Sacramento-based contact center.

Product overview

CAHP Credit Union, founded in 1969 to serve the California Association of Highway Patrolmen and later expanded to include other California peace officers (notably via PORAC), delivers a unified consumer and business banking platform exclusively for law enforcement members and their families. The platform centers on a core set of deposit products — Checking Account, Savings Account, Money Market, and share Certificates (6–36 month CDs) — paired with a full consumer lending suite: Vehicle Loans, Home Loans (purchase, refinance, and HELOC via the cuhomeland.com mortgage platform), Debt-Consolidation Loans, Personal Loans, and three Visa credit card tiers (Platinum, PORAC Platinum, and Premier, the last offering 2% cash-back rewards). Membership is the gateway to these products, extended to designated agencies (CAHP, CHP, CHIA, CNOA, CalFire, ASA-DOJ, PORAC, RSA, SCDSA). Digital delivery is provided through the Online Banking portal and the CAHP Mobile Banking app (powered by Fiserv) with Card Controls, complemented by Zelle® P2P payments within Bill Pay, the online Make A Payment portal, Financial Education resources, and the Loan Calculator. Wealth Management Services, powered by Integrity Financial Corporation, layer investment advisory onto the platform, while Business Banking for Associations adds organizational Checking, CDs, ACH/Wire Transfers, Remote Deposit Capture, Commercial Real Estate Loans, and Visa Business Credit Cards. The offering is wrapped with community-facing programs such as the Dispatch newsletter, the Aaron Weikert Memorial Fund, and the PORAC/POREF Wildfire Relief Fund.

Differentiator

Problem solved

Functional benefit

Products and services

• Vehicle Loans Auto, motorcycle, RV, and cash-back equity loans for law enforcement members with APRs as low as 4.99% (auto) and 6.99% (RV/motorcycle), flexible terms up to 120 months, a 120-day no-payment option, and refinancing from other lenders.
• Home Loans Home purchase loans, refinancing, and Home Equity Lines of Credit (HELOC), with instant quote, pre-approval, an exclusive law-enforcement rate re-lock program, mobile mortgage and refinance tool, and cash-out refinance. Underwritten via the cuhomeland.com mortgage platform.
• Debt-Consolidation Loans Low-interest consolidation loans designed to lower monthly payments, reduce interest rates, and reduce total interest paid on existing loans or credit lines for police officers and their families.
• Personal Loans Fixed-rate personal loans for unexpected expenses; Signature Loans from 11.95% APR and Certificate/Savings Secured Loans from 8.00% APR; rates vary by credit score and term.
• Visa Credit Cards (Platinum, PORAC Platinum, Premier) Three Visa credit card tiers featuring contactless technology, generous grace periods, identity and fraud protection, and unlimited 2% cash-back rewards on Premier. Platinum and PORAC Platinum from 13.49% APR; Premier from 16.49% APR (rates effective 1/10/2026).
• Checking Account Free checking account with no monthly service charge and no minimum balance; includes a free Visa debit card, free POS transactions, free online bill pay, overdraft protection from savings, and five free ATM withdrawals per month.
• Savings Account Membership share savings account requiring a $50 minimum deposit to establish membership, providing a foundational savings vehicle for members.
• Money Market Tiered money market account paying up to 2.25% APY on balances of $50,000 or more, with $1,000 minimum to open and monthly dividends.
• Certificates (Share Certificates / CDs) Term share certificates ranging from 6 to 36 months with APYs between 3.70% and 3.95% (as published), $2,000 minimum deposit, and early-withdrawal penalty.
• Membership Exclusive membership program for California peace officers and their families, including CAHP, CHP, CHIA, CNOA, CalFire, ASA-DOJ, PORAC, RSA, and SCDSA affiliates; required to access most credit union products and includes identity verification under the USA Patriot Act.
• Wealth Management Services Investment advisory and financial planning services delivered in partnership with Integrity Financial Corporation (independent Registered Investment Adviser). Named advisors Danny Van Attenhoven and Logan Thompson provide free consultations focused on wealth protection and growth, retirement preparation, and law enforcement compensation planning.
• Business Banking for Associations Full-service business banking and lending package for law enforcement associations, including Business Checking with Visa debit, Certificates of Deposit, ACH/Wire Transfers, 24/7 Online Banking, Remote Deposit Capture, Commercial Real Estate Loans, and Visa Business Credit Cards. Account management led by Jill Alves, VP of Account Management.
• Mobile Banking App (CAHP Mobile) Native iOS (App Store ID 1358433574) and Android (Google Play, com.cahp.mobile) banking app providing real-time balances, money management, transactions, statements, transfers, bill pay, mobile check deposit, alerts, and Card Controls. Powered by Fiserv.
• Online Banking Browser-based digital banking portal at online.cahpcu.org offering self-enrollment, password reset, retail and small business digital banking, and a Terms of Service agreement covering Service Provider-delivered services.
• Zelle Person-to-Person Payments Zelle-based P2P money transfer service integrated into Bill Pay within online and mobile banking, allowing members to send, request, and receive money via email or U.S. mobile number with no CAHP Credit Union fee.

Quantifiable outcome

• Certificate APYs of 3.70%–3.95% (6- to 18-month terms) and Money Market APY up to 2.25% on $50,000+ balances
• +5 more outcomes

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Nine partnerships are on record, tiered flagship, core and minor.

• Integrity Financial CorporationflagshipStrategic or Co-development PartnerCAHP Credit Union's wealth management and investment services are powered by Integrity Financial Corporation. IFC is an independent investment advisor registered under the Investment Advisers Act of 1940. Named advisors Danny Van Attenhoven ([email protected]) and Logan Thompson ([email protected]) deliver custom-tailored investment solutions and financial planning to members via Calendly-scheduled free consultations.
• Zelle (Early Warning Services, LLC)flagshipTechnology or IntegrationCAHP Credit Union has partnered with Zelle to provide a fast and easy way to send and receive money within online banking and the mobile app. Members enroll via Bill Pay, verify their account, and access Zelle under the "Send Money With Zelle" tab. Zelle is wholly owned by Early Warning Services, LLC and is used under license. CAHP Credit Union does not charge fees for Zelle use.
• FiservcoreTechnology or IntegrationFiserv powers CAHP Credit Union's Mobile Banking app, providing the underlying digital banking platform including card controls, real-time balances, transfers, bill pay, mobile check deposit, alerts, and digital card management. The Fiserv Digital Banking Terms of Service apply to all members using the online banking site and mobile applications.
• VisacoreOEM/ Whitelabel/ Licensing PartnerCAHP Credit Union issues three Visa credit card products (Platinum Visa, PORAC Platinum Visa, and Premier Visa) on the Visa network with contactless technology, identity theft protection, and travel accident insurance on premium tiers. Visa debit cards are also issued with checking accounts.
• American Share InsurancecoreOthersAmerican Share Insurance insures CAHP Credit Union member accounts up to $500,000. By members' choice, this institution is not federally insured, and the credit union is not insured by any state government. ASI logo is displayed on the credit union website.
• Peace Officers Research Association of California (PORAC)flagshipGTM or Marketing PartnerPORAC is a field-of-membership organization that expanded CAHP Credit Union's eligibility to include other members of California's law enforcement community in the 1990s. PORAC members are eligible for CAHP Credit Union membership and for the exclusive PORAC Platinum Visa credit card. PORAC is also the beneficiary of the PORAC/POREF Wildfire Relief Fund administered in partnership with CAHP Credit Union.
• Aaron Weikert Memorial FundminorGTM or Marketing PartnerCAHP Credit Union accepts donations on behalf of the Officer Aaron Weikert Memorial Fund to support fallen law enforcement officers' families. Donations are mailed to the credit union's PO Box 276507.
• PORAC/POREF Wildfire Relief FundminorGTM or Marketing PartnerCAHP Credit Union facilitates donations to the PORAC/POREF Wildfire Relief Fund supporting California law enforcement members impacted by wildfires. Contact for assistance: Kim Busman ([email protected]). Checks mailed to POREF Wildfire Relief Fund, 4010 Truxel Road, Sacramento, CA 95834.
• California Association of Highway Patrolmen (CAHP)flagshipStrategic or Co-development PartnerCAHP Credit Union was originally founded in 1969 to serve employees and members of the California Association of Highway Patrolmen (the Association). CAHP remains a primary field-of-membership organization. CAHP stands for California Highway Patrolmen's Association, the parent of the credit union's founding community.

Scale indicators5 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Police Federal Credit Union: Federal credit union serving law enforcement officers and families nationwide. Highly comparable niche positioning, similar loan and deposit product set, and similar association-led GTM motion.
• Los Angeles Police Federal Credit Union (LAPFCU): California law-enforcement-affiliated credit union serving LAPD officers, sheriff, and other peace officer personnel. Closest direct peer — same niche, same California geography, similar exclusive association-based field-of-membership.

Broad incumbents

• First Technology Federal Credit Union: Large affinity-based credit union serving a defined employee community (tech, healthcare). Comparable exclusive-membership GTM and full-stack digital banking, but with a much broader membership footprint.
• Golden 1 Credit Union: California's largest credit union with statewide branch network and full consumer/business banking. Overlaps with CAHP on consumer lending, deposits, and digital banking, but serves a general field-of-membership.
• SchoolsFirst Federal Credit Union: Large California-based affinity credit union restricted to school employees, mirroring CAHP Credit Union's exclusive association-based field-of-membership model. Comparable member-owned, niche-served structure at much greater scale.
• Patelco Credit Union: Northern California credit union offering comparable consumer loans, deposits, and digital banking. Comparable Fiserv-style online/mobile platform but with a broad community field-of-membership.
• Logix Federal Credit Union: Southern California credit union offering consumer lending, mortgages, and business banking. Geographic and product overlap with CAHP Credit Union though not law-enforcement-affiliated.

Regional players

• Orange County's Credit Union: Southern California credit union serving a defined professional community with comparable deposit and lending products. Comparable exclusive-membership positioning at meaningfully larger scale.
• SAFE Credit Union: Sacramento-area credit union operating in the same California geography with comparable consumer lending, deposit products, and Fiserv-style digital banking. Comparable in scale and product breadth though not law-enforcement-exclusive.
• CoastHills Federal Credit Union: California central-coast credit union offering consumer lending, deposits, and wealth services. Overlaps with CAHP on product set and California-only geographic footprint though with a general field-of-membership.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/cahpcu
• LinkedInlinkedin.com/company/22603

Compliance7 records

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 CAHP Credit Union