MariSol Federal Credit Union

What MariSol Federal Credit Union does

MariSol Federal Credit Union is a federally chartered, member-owned, not-for-profit credit union headquartered in downtown Phoenix, Arizona, originally founded in 1954 as Maricopa County Employees Federal Credit Union by Charles Samuels. It serves individual consumers, small businesses, government employees, and a number of underserved and immigrant communities across Maricopa County, growing its field of membership through mergers with Sun Catholic Credit Union (2002), Arizona Odd Fellows and Rebekah Credit Union (2006), and Chicanos Por La Causa Federal Credit Union (2009), and rebranding to MariSol in September 2003.

The institution operates a full-service retail banking and lending platform. Core deposit products include Peak Checking ($8/month), Rise Checking ($6/month), and Core Checking ($7/month, waivable), alongside Regular Savings, Money Market, Share Certificates, IRAs, and a Save and Match savings-incentive program. Lending spans auto loans (including Green Auto Loans), RV loans, personal loans and lines of credit, mortgages (Conventional, FHA, VA, plus an innovative Pay Yourself Mortgage), home equity loans, business lending and SBA loans, a 11.90% APR Platinum Mastercard, and specialized programs such as Citizenship & DACA Loans, the WISH first-time homebuyer down payment assistance, and Solar & Energy Efficient Loans. Digital channels comprise the Flex Teller online banking platform, native iOS and Android mobile apps, Remote Deposit Capture, account-to-account transfers, and a financial calculator suite; complementary services include safe deposit boxes, wire transfers, TruStage insurance, and the GreenPath Financial Wellness counseling partnership.

Revenue is generated through net interest income on the loan portfolio (auto, mortgage, personal, credit cards) net of interest paid on deposits, recurring checking account fees, transactional service fees (wires, stop payments, safe deposit box rentals), and commissions on add-on insurance products such as GAP coverage and Auto Warranty. The credit union has held a Community Development Financial Institution (CDFI) designation and Low-Income Designation from the NCUA since 2010, holds the Juntos Avanzamos designation for Hispanic community service, and maintains BBB accreditation and Local First Arizona coalition membership, structuring its go-to-market around community-rooted physical distribution in downtown Phoenix augmented by digital self-service.

Name

MariSol Federal Credit Union

Legal name

MariSol Federal Credit Union

Website

https://marisolcu.org

Company type

Private

Founded year

1954

Operating status

Operating

Headcount range

11–50 employees

Short description

MariSol Federal Credit Union is a federally chartered, member-owned credit union headquartered in downtown Phoenix, serving individual consumers, small businesses, Maricopa County employees, and underserved communities with checking, savings, mortgages, auto, personal, and specialized loans (Citizenship/DACA, WISH, Green Auto) plus digital and mobile banking.

Ownership category

akta.pro rank

Product category

Community Credit Union Banking

NAICS

Credit Unions (52213)

SIC

Savings Institution, Federally Chartered (6035)

akta.pro primary industry

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

Keywords

• Community development banking
• Consumer lending services
• Credit union membership
• Mortgage and auto loans
• Small business banking

Headquarters

HQ city

Phoenix

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Revenue generated from interest on loans including auto loans, mortgages, personal loans, home equity loans, and credit cards, offset by interest paid on deposits.
2. Checking Account Fees: Monthly maintenance fees on checking accounts including Peak Checking ($8/month), Rise Checking ($6/month), and Core Checking ($7/month, waivable with direct deposit or debit card activity).
3. Service Fees: Fees for wire transfers, stop payments, safe deposit boxes ($25-$35 annually), money orders, and cashier's checks.
4. Insurance Products: GAP insurance and Auto Warranty extended coverage offered to members.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

MariSol Federal Credit Union is a member-owned, federally chartered credit union providing retail banking products and consumer lending services to individuals and small businesses across Maricopa County. Its core offerings include checking and savings deposit accounts, auto and personal loans, residential mortgages, Mastercard credit cards, and small business banking. Complementary services encompass identity theft protection, safe deposit boxes, wire transfers, and bilingual financial counseling, delivered via a downtown Phoenix branch plus a Flex Teller digital banking platform and iOS/Android mobile apps.

Product overview

MariSol Federal Credit Union is a traditional credit union offering a comprehensive suite of financial products organized into personal banking (checking, savings, and credit products), lending (auto, mortgage, personal, and business loans), business services, insurance, and digital banking. The core products center on deposit accounts (Peak Checking, Rise Checking, Core Checking, Regular Savings, Money Market, Share Certificates, IRAs) and loan products (Auto Loans, Mortgages, Personal Loans, Credit Cards). The portfolio includes specialized lending programs such as Green Auto Loans, Citizenship/DACA Loans, WISH Program for first-time homebuyers, and Credit Builder Loans targeting underserved communities. Digital services include mobile banking apps for iOS and Android, Flex Teller online banking platform, and Remote Deposit Capture. The institution also provides complementary services through partnerships including TruStage insurance, IDProtect identity theft protection, and GreenPath Financial Wellness education and counseling. The credit union operates as a Juntos Avanzamos institution serving the Latino community and received CDFI certification in 2010.

Differentiator

Problem solved

Functional benefit

Products and services

• Peak Checking Premium-tier personal checking account for credit union members, priced at $8/month, bundled with BaZing local and national discounts, cell phone protection ($600/claim, up to $1,200/year), roadside assistance ($80 coverage), $25,000 accidental death coverage, buyer's protection ($2,500/item), Billshark subscription negotiation, pet insurance discounts, a 25 basis point loan rate discount, and an additional 25 basis point bonus on share certificates.
• Rise Checking
• Core Checking Entry-tier personal checking account priced at $7/month (waivable with $300 direct deposit or 15 debit card swipes per month), providing essential online/mobile banking and debit card access for members seeking low-cost everyday banking.
• Regular Savings
• Money Market Accounts Tiered money market savings account offering higher interest rates than regular savings based on account balance thresholds.
• Share Certificates Term deposit accounts (CDs) with fixed rates and defined maturity terms for members saving toward specific goals, with a 25bps bonus rate available for Peak Checking members.
• IRAs (Traditional and Roth) Individual Retirement Accounts in Traditional and Roth options for members planning long-term retirement savings.
• Club Savings Accounts Savings account for members saving toward a specific purpose such as holidays or planned expenses, accessed through the personal savings menu.
• Kid's Club Savings Youth savings account product designed to help children and young members establish savings habits through the credit union.
• Auto Loans Vehicle financing for new and used automobiles with competitive rates, including a Match and Slash rate reduction of 1.50% or more versus competitor rates for qualifying members.
• RV Loans Financing for recreational vehicles, including motorhomes, travel trailers, and campers, with rate-reduction options available through the Match and Slash program.
• Personal Loans Unsecured loans for members covering debt consolidation, home improvements, and major purchases.
• Quick Loans Short-term unsecured loan product offering streamlined approval and quick access to funds for members.
• Credit Builder Loan Secured loan designed to help members establish or rebuild credit history, supporting credit-building for unbanked or underbanked members within MariSol's CDFI mission.
• Citizenship & DACA Loans Specialized consumer loans for citizenship applications and DACA renewals, serving immigrant community members within the credit union's CDFI service mandate.
• Green Auto Loans Specialty vehicle financing for hybrid and electric vehicles with green lending terms supporting environmentally friendly transportation choices.
• Solar and Energy Efficient Loans Consumer financing for solar panels, energy-efficient upgrades, and renewable energy systems installed in member homes.
• Conventional, FHA & VA Mortgages Residential mortgage products including conventional, FHA, and VA loan options for eligible home-buying members.
• Pay Yourself Mortgage Innovative mortgage structure allowing borrowers to accelerate principal payoff while building equity at a faster pace than a standard amortization schedule.
• Home Improvement Loan Consumer loan product financing home renovation, repair, and improvement projects for homeowner members.
• Home Equity Loans (Fixed Term and Line of Credit) Home equity lending products, including fixed-term home equity loans and revolving lines of credit, allowing homeowners to access accumulated equity.
• WISH Program (Down Payment Assistance) Down payment assistance program providing eligible first-time homebuyer members with financial support toward home purchases, aligned with MariSol's CDFI community development mandate.
• Mastercard Credit Cards Platinum Mastercard credit card offered to members at 11.90% APR with no annual fee and a locked-in rate feature.
• Personal Lines of Credit Revolving line of credit providing members flexible, ongoing access to funds as needed.
• Business Checking Commercial checking account for small businesses within the field of membership, with appropriate transaction limits and business banking features.
• Business Savings Savings account for businesses to deposit and grow operating funds.
• Business Lending (SBA Loans) Commercial lending products, including SBA loans, providing small business financing for member-owned businesses.
• Merchant Card Services Payment processing service enabling small business members to accept debit and credit card payments.
• Mobile Banking Native iOS and Android banking application providing members with 24/7 account access, transfers, remote deposit capture, and account management from smartphones.
• Online Banking and Bill Pay (Flex Teller) VeriSign-secured online banking platform providing members with 24/7 account access, internal and external transfers, bill payment, and PIN management.
• TruStage Insurance Protection Insurance products, including home insurance and other coverage options, offered to members through the TruStage partnership.
• IDProtect Identity Theft Protection Identity theft protection subscription for personal checking account holders providing up to $10,000 in identity fraud expense reimbursement, total identity monitoring across more than 1,000 databases, credit monitoring with free 90-day credit score updates, dedicated fraud specialist resolution, and family coverage at $1.95/month.
• Safe Deposit Boxes Secure storage rental at the credit union's branch in box sizes of 3x5x21 ($25/year), 5x5x21 ($30/year), and 3x10x21 ($35/year); lost key fee $25; drilling fee $200.
• GreenPath Financial Wellness Free financial counseling, debt management plans, HUD-certified housing counseling, credit report review, student loan counseling, and educational webinars and courses (LearningLab+) delivered through MariSol's partnership with GreenPath Financial Wellness and available to all members.

Quantifiable outcome

• Match and Slash Auto Rates by 1.50% or more
• +1 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• GreenPath Financial WellnesscoreStrategic or Co-development PartnerPartnership with national nonprofit GreenPath Financial Wellness offering free financial counseling, debt management plans, HUD-certified housing counseling, credit report review, student loan counseling, and financial wellness education through LearningLab+ online platform. GreenPath has 60+ years of experience helping people build financial health. Available to all MariSol members with counseling hours Monday-Thursday 5am-7pm PT, Friday 5am-5pm PT, Saturday 6am-10am PT.
• Local First ArizonacoreStrategic or Co-development PartnerActive member and partner of Local First Arizona, a coalition dedicated to driving inclusive community and economic development throughout Arizona since 2003. MariSol participates in coalition events and is recognized as a Fuerza Local (Local Force) partner for Hispanic communities.
• Human Services CampusminorStrategic or Co-development PartnerCommunity partnership for homelessness support. MariSol sponsored a water drive for the Human Services Campus, donating 25 cases of water plus $1,300 in member donations, matched by MariSol.

Scale indicators4 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Hughes Federal Credit Union: Tucson, Arizona-based community credit union serving a defined field of membership across Southern Arizona. Comparable in scale and mission as a regional community credit union operating in Arizona with similar product breadth.
• Border Federal Credit Union: Texas-border community credit union serving Hispanic and immigrant populations along the U.S.-Mexico border. Comparable in mission and product mix (immigrant-friendly lending, bilingual service) though operating in a different regional market.
• Desert Financial Credit Union: Arizona-headquartered community credit union serving Phoenix metro with a broad retail-banking and lending franchise. Comparable in geographic focus (Arizona) and CDFI-adjacent community mission, though materially larger in scale.
• Alternatives Federal Credit Union: Ithaca, NY-based CDFI-certified community credit union serving low-income and immigrant populations. Comparable scale and CDFI mission with a similar mix of community-development lending, financial education, and immigrant-serving programs.
• Latino Community Credit Union: Juntos Avanzamos-designated credit union serving Hispanic and immigrant communities in the Southeast U.S. Directly comparable mission, Juntos Avanzamos affiliation, and focus on ITIN-friendly and immigrant-focused lending products.
• Self-Help Federal Credit Union: Federally chartered, CDFI-certified credit union focused on underserved and low-income communities across multiple states. Highly comparable as a mission-driven CDFI cooperative offering specialized products to similar member demographics.
• Arizona Federal Credit Union: Phoenix-based community credit union serving Arizona residents and select employer groups. Comparable as an Arizona-rooted, member-owned cooperative offering deposit, lending, and digital banking services to similar retail and small-business segments.
• Lower East Side People's Federal Credit Union: New York-based CDFI-certified community credit union serving low- and moderate-income members. Comparable as a small, federally chartered CDFI cooperative with a community-development mandate and underserved-customer focus.

Broad incumbents

• Alliant Credit Union: Large, nationally chartered credit union offering full-service consumer banking, lending, and digital products. Comparable as a federally insured credit union in the same product categories, but materially larger in scale, capital base, and digital capability.
• Bethpage Federal Credit Union: Large New York-based federal credit union offering consumer and business banking across multiple states. Comparable federal charter and full product set, but with substantially greater scale, branch network, and corporate-banking capability.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/watch?v=RGATJjD_2o4
• Xx.com/marisol_fcu
• Facebookfacebook.com/MariSolFederalCreditUnion

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 MariSol Federal Credit Union