Co-op Services Credit Union

What Co-op Services Credit Union does

Co-op Services Credit Union is a not-for-profit, member-owned financial institution headquartered in Livonia, Michigan, founded in 1958. Per its website, it operates as a community credit union offering core retail banking products — checking accounts, online banking, mortgage and consumer loans, and debit and credit card services — to its member base.

The input data does not disclose the institution's asset size, membership count, branch footprint, technology stack, product granularity, or any operational metrics. No core technology, proprietary features, integrated AI/ML capabilities, app presence, partnerships, or third-party integrations are described in the available dataset. The technology profile is therefore effectively a black box, with the only confirmed operational signal being the website (cscu.org) and the standard credit union product set captured in the short description.

The business model is that of a standard mutual credit union: revenue derives from net interest income on loans and deposit balances, plus fee income from card interchange, account servicing, and ancillary services. Members are typically recruited through employer or community-based eligibility criteria, and pricing is set cooperatively rather than market-driven. No publicly disclosed pricing, partnership, or GTM data is available in the input, limiting further inference.

Name

Co-op Services Credit Union

Website

https://cscu.org

Company type

Private

Founded year

1958

Short description

Co-op Services Credit Union is a not-for-profit, member-owned community credit union founded in 1958 and headquartered in Livonia, Michigan, offering checking accounts, online banking, loans, and debit and credit card services to its members.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Credit Unions (52213), Credit Unions (522130), Credit Card Issuing (522210)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

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

akta.pro secondary industries

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF), Employer/Occupational Credit Unions (FSABAEAB)

Keywords

• Retail banking
• Consumer lending
• Online banking
• Credit union services
• Debit and credit cards

Headquarters

HQ city

Livonia

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Core offering

Co-op Services Credit Union is a non-profit financial institution that provides retail banking services to its members, including checking accounts, online/digital banking, consumer loans, and debit and credit card products. Founded in 1958 and headquartered in Livonia, United States, it operates as a member-owned cooperative offering everyday personal banking solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Checking Accounts Transactional checking account product for individual members to manage everyday deposits, withdrawals, and payments.
• Online Banking Digital/online banking service allowing members to access accounts, perform transactions, and manage finances via the web.
• Loans Consumer lending products for members to finance personal borrowing needs.
• Debit Cards Debit card payment instrument for members to make point-of-sale and ATM transactions.
• Credit Cards Credit card product for members to access revolving credit and make purchases.

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Expansion highlights2 records

Direct peers

• DFCU Financial: Michigan state-chartered credit union serving members with checking, online banking, mortgages, and card services — same regulatory family and overlapping southeast Michigan footprint.
• Lake Michigan Credit Union: Large Michigan-headquartered credit union offering checking, online banking, lending, and card products across the state — directly overlapping with Co-op Services Credit Union's geography and product mix, but at significantly greater scale.
• Community Choice Credit Union: Michigan-headquartered credit union providing checking, online/mobile banking, consumer loans, and credit cards — closely mirrors Co-op Services Credit Union's product set across an overlapping regional base.
• Michigan State University Federal Credit Union: Michigan-based community credit union offering full retail banking, online channels, and consumer credit products — comparable member-owned structure and statewide digital reach.
• Genisys Credit Union: Michigan-based community credit union providing checking, online banking, loans, and credit/debit cards to members across metro Detroit — comparable community-cooperative model and overlapping Livonia-area service territory.

Emerging players

• Baxter Credit Union (BCU): Employer-affiliated credit union offering checking, online banking, lending, and cards — comparable cooperative model where membership derives from a sponsoring employer community, similar to what Co-op Services Credit Union's name implies.
• SchoolsFirst Federal Credit Union: Select-employment-group credit union serving a defined occupational community with full retail banking, online channels, and consumer credit products — analogous employer/occupational cooperative model.

Broad incumbents

• Huntington National Bank: Major Michigan-headquartered commercial bank offering checking, online banking, lending, and debit/credit cards — competes for the same Livonia/Detroit-metro consumer relationships but as a for-profit incumbent.
• Alliant Credit Union: Large, nationally chartered digital credit union offering checking, online banking, lending, and credit cards — operates at far greater scale and represents the broad-incumbent community-cooperative model Co-op Services Credit Union belongs to.
• Connexus Credit Union: Multi-state credit union offering retail deposits, online banking, mortgages, and consumer lending — comparable cooperative structure with a substantially larger national member base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights4 records

Customer concentration

• LinkedInlinkedin.com/company/co-op-services-credit-union

Revenue estimate

Valuation estimate

Number of profiles

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 Co-op Services Credit Union