Conservation Employees Credit Union

What Conservation Employees Credit Union does

Conservation Employees' Credit Union (CECU) is a member-owned, not-for-profit financial cooperative chartered in Missouri on March 4, 1955, and federally insured by the NCUA through the National Credit Union Share Insurance Fund. Its field of membership is restricted to a defined common-bond community: current and retired employees of the Missouri Department of Conservation, MDC volunteers with more than 50 hours of documented service, Conservation Commissioners, CECU employees, and their immediate family members (spouses, children, siblings, parents, grandparents, grandchildren). The credit union holds more than $173 million in total assets, more than $118 million in loans outstanding, and $157 million in member share deposits, serving a base of 9,300+ members.

CECU operates a single physical branch in Jefferson City, Missouri, supported by an 18-person staff, but achieves nationwide physical access through participation in the CO-OP Shared Branching network (5,600+ U.S. locations) and the Co-op ATM network (30,000+ surcharge-free ATMs, plus MoneyPass and STAR). The product platform spans deposits (Share Savings, Share Draft checking, Money Market, IRA Savings, IRA and regular Certificates, Children's Certificate, Education Savings), lending (Auto/RV/boat/ATV, home and land mortgages, first-time homebuyer, HELOC added in 2026, share/CD-secured, student, signature, personal/AR lines of credit, overdraft protection), and Visa credit and debit cards. The technology stack is a Jack Henry-hosted "Virtual Branch" online and mobile platform (Symapp for loan origination) with iOS/Android apps, mobile deposit, Zelle P2P, Apple Pay, Google Pay, Tap to Pay contactless debit, 24/7 Call 24 telephone banking, and an embedded Credit Sense credit-monitoring module powered by SavvyMoney with TransUnion data.

Revenue mechanics are those of a standard member-owned credit union: net interest margin on the $118M+ loan portfolio (auto at 4.25% APR, student at 4.00% APR, 15-year fixed mortgage at 5.750% APR, Visa credit at 14.49% APR) and on the $157M deposit base (Share Savings 0.50% APY, Money Market up to 2.70% APY, 12-month Certificate 4.05% APY, IRA Savings 4.10% APY), supplemented by fee income from Skip-A-Pay, GAP, Route 66 extended service contracts, CARFAX reports, wire transfers, money orders, and TruStage insurance referral commissions, plus Loan Payment Protection premiums through CUNA Mutual Group. GTM is community-led, driven by MDC employer affiliation, multi-generational family extension, shared branching, and a community newsletter / annual meeting / Facebook presence rather than broad-market advertising. No M&A, equity capital, or external funding events are associated with the institution.

Name

Conservation Employees Credit Union

Legal name

Conservation Employees' Credit Union

Website

https://cecuonline.org

Company type

Private

Founded year

1955

Operating status

Operating

Headcount range

51–100 employees

Short description

Conservation Employees' Credit Union is a member-owned, not-for-profit credit union founded in 1955 serving Missouri Department of Conservation employees, retirees, volunteers, and their families, offering deposits, consumer and mortgage loans, Visa cards, and digital banking from its single Jefferson City, MO branch and 5,600+ shared-branching network.

Ownership category

akta.pro rank

Product category

Retail Banking (Credit Union)

NAICS

Credit Unions (52213), Credit Card Issuing (522210), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Finance Services (6199), Services-Membership Organizations (8600)

akta.pro primary industry

Employer/Occupational Credit Unions (FSABAEAB)

akta.pro secondary industry

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

Keywords

• Retail banking services
• Consumer lending products
• Credit union deposits
• Mortgage loan services
• Member-owned banking

Headquarters

HQ city

Jefferson City

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Loan Interest Income: Interest earned on consumer loan portfolio including auto/RV loans, signature loans, personal lines of credit, mortgage/land loans, home equity, share/CD-secured loans, student loans, and Visa credit card balances. Rates range from 4.00% (student) up to 14.49% APR (Visa) and 12.99% (signature loan tier).
2. Investment and Savings Interest Spread: Net interest margin earned on member deposits, including Share Savings (0.50% APY), Money Market tiers (up to 2.70% APY), IRA Savings (4.10% APY), IRA Certificates, and regular Certificates of Deposit (3-48 month terms at 3.16%-4.05% APY). Minimum $500 to open a regular certificate; $100 for a children's certificate.
3. Skip-A-Pay Service Fee: Flat $25 per loan processing fee (auto-deducted from member's credit union account) charged to qualifying members who elect to skip a loan payment under the Skip-A-Pay program.
4. Ancillary Vehicle Protection Products: Fee-based add-on products financed alongside auto/RV loans, including GAP (Guaranteed Auto Protection) insurance, Route 66 extended service contracts, debt protection, and CARFAX vehicle history reports.
5. Insurance Referral Commissions (TruStage): Referral/affiliate commissions earned on TruStage-branded insurance products (AD&D, Auto & Home, Term and Whole Life) offered to members through partner channels.
6. Wire Transfer and Other Service Fees: Member fees on outgoing wire transfers, Western Union wires, money orders, cashier's checks, and postage stamps. Incoming wires from Millennium Corporate Credit Union are free to members.
7. Loan Payment Protection Premiums: Optional CUNA Mutual Group Debt Protection premiums (LifePlus, Disability, Involuntary Unemployment) added to consumer loan, home equity, and credit card balances for members who elect coverage.

Pricing tiers

Go-to-market motion4 records

Distribution channels8 records

Marketing channels8 records

Core offering

Conservation Employees' Credit Union is a member-owned, not-for-profit financial cooperative that provides retail banking products and services to a defined common-bond community of Missouri Department of Conservation employees, retirees, volunteers, commissioners, and their immediate families. Its core offerings include share savings and money market deposit accounts, share draft (checking) accounts, certificates of deposit, traditional and Roth IRAs, a full consumer lending portfolio (auto/RV, home mortgage, home equity, student, signature, share/CD secured, and personal lines of credit), Visa credit and debit cards, mobile and online banking with mobile deposit, Zelle person-to-person payments, Apple Pay/Google Pay, and TruStage insurance referrals. CECU operates one physical branch in Jefferson City, Missouri, and extends member access nationwide through the CO-OP Shared Branching and Co-op ATM networks.

Product overview

CECU operates as a single integrated credit-union platform centered on a digital banking experience (online banking, mobile app, mobile deposit, Call 24, and contactless/Apple Pay/Google Pay/Zelle payment rails), wrapped around a portfolio of deposit, lending, and insurance products. The deposit offering spans Share Savings, Secondary Share Savings, Christmas Share Savings, Money Market, IRA Savings, IRA Certificates of Deposit, and Children's Certificates, paired with a Share Draft (checking) account. Lending covers Auto & RV Loans, Home & Land Loans (First Mortgage, ARM, Fixed-Rate, First-Time Homebuyer, FHLB Home$tart, Unimproved Land, Home/Land Equity, and the new 2026 HELOC), Share/CD Secured Loans, Student Loans, Signature Loans and Personal/Adjustable-Rate Lines of Credit, Overdraft Protection, and VISA Credit Cards. Member services layer on top include Credit Sense (SavvyMoney), TruStage insurance, Route 66 extended service contracts, CUNA Mutual debt protection, Western Union wires, Money Orders/Cashier's Checks, Direct Deposit, Payroll Deduction, Skip-A-Pay, and youth programs (Freddie Fox's Funding, Fun In Finances, Teen Titans).

Differentiator

Problem solved

Functional benefit

Products and services

• Share Savings Account Primary membership share savings account paying 0.50% APY with a $25 minimum opening deposit, which also establishes a member's lifetime membership in the credit union. Available to eligible MDC-affiliated members and their immediate family.
• Money Market Account
• Certificates of Deposit Term certificates of deposit with 3-, 6-, 12-, 18-, 24-, 36-, and 48-month terms paying 3.16% to 4.05% APY; minimum $500 deposit (or $100 for Children's 12-Month Certificate); 90-day early withdrawal penalty.
• Share Draft (Checking) Account Free transactional Share Draft (checking) account paying 0.10% APY on the average daily balance, with no per-check fees, no service charges, no minimum balance, free economy-style checks, overdraft protection available, and a Visa Debit Card.
• Traditional and Roth IRA (including IRA Savings and IRA Certificates) Tax-advantaged retirement savings accounts (Traditional IRA, Roth IRA, IRA Savings at 4.10% APY, and IRA Certificates) for members planning for or in retirement.
• Auto and RV Loans Vehicle financing for new and used cars, boats, motorcycles, ATVs, RVs, and trailers with rates starting at 4.25% APR (terms up to 60-120 months depending on amount). Loans up to 100% of retail price including insurance and taxes, with vehicle value determined by JD Power Valuation and integration with the GrooveCar Auto Buying Resource. GAP insurance, Route 66 extended service contracts, and CARFAX reports available.
• Home and Land Mortgage Loans First mortgage, adjustable-rate mortgage, first-time homebuyer loan (10% down, no PMI), unimproved land loan, home/land equity loan, and FHLB Home$tart grant assistance (up to $10,000) for primary, secondary, or investment properties in Missouri. Fixed-rate mortgages originated via Mortgage Solutions.
• Home Equity Line of Credit (HELOC) New 2026 revolving home equity line of credit (HELOC) product for members using their home as collateral, available on Missouri properties.
• Student Loans (P&I and Consolidation) Principal & Interest Student Loan at 4.00% APR (up to $15,000/year, max $60,000, terms up to 6 years) for full-time accredited college/university/technical school students, plus Student Consolidation Loan at 6.50% APR (max $40,000, max 10-year term) for consolidating existing student debt.
• Signature Loans and Personal Lines of Credit Unsecured Signature Loans (8.00%, 10.00%, 12.99% APR tiers), Adjustable Rate Personal Line of Credit (7.75% APR), and Overdraft Protection tied to a share account or line of credit. No prepayment penalties; interest charged only for days funds are used.
• Share/CD Secured Loans Loans collateralized by the member's share savings or certificate of deposit, priced at the deposit rate plus 2.00%.
• Visa Credit Card Visa credit card on the Visa network with a standard 14.49% APR and 6.0% APR 18-month promotional rate on balance transfers with no balance transfer fee. Cardholders earn 1 reward point per $1 spent, valid 2 years, redeemable for merchandise, travel, statement credit, or gift cards.
• Visa Debit Card Visa debit card tied to the Share Draft checking account, supporting contactless chip (Tap to Pay), Apple Pay, Google Pay, and advanced card controls (turn card on/off, spending limits, block transaction types, instant transaction alerts) in the mobile app.
• Mobile App (iOS and Android) and Virtual Branch Online Banking Free self-serve mobile and online banking with balance checks, transfers, bill pay, mobile deposit (Remote Deposit Capture), Zelle P2P, Credit Sense, card management controls, Apple Pay/Google Pay, and Tap to Pay. Virtual Branch online banking platform hosted on Symapp/Jack Henry & Associates.
• Credit Sense (powered by SavvyMoney) Credit-score monitoring, full TransUnion credit reports, daily file monitoring with email alerts for credit, address, and employment changes, and loan rate/payment comparison tools, integrated into online and mobile banking.
• TruStage Insurance (AD&D, Auto & Home, Term and Whole Life) Insurance products (Accidental Death & Dismemberment, Auto & Home, Term and Whole Life) underwritten and serviced by TruStage, with free $1,000 AD&D coverage for every member and member-only discounts on Auto & Home and Life policies.
• CUNA Mutual Group Debt Protection (LifePlus, Disability, Involuntary Unemployment) Optional debt protection coverage (LifePlus, Disability, Involuntary Unemployment) on consumer loans, home equity lines of credit, and credit cards, serviced by CUNA Mutual Group (Contract Number 02405470).
• Auto Buying Resource (GrooveCar) Auto shopping and refinancing platform with vehicle search, JD Power valuation lookup, loan pre-approval, and CARFAX vehicle history reports.
• Zelle Person-to-Person Payments Person-to-person payment service integrated into CECU's online banking Bill Pay and mobile app, enabling members to send, request, split, and receive money using an email address or U.S. mobile number, with typical settlement in minutes.
• Skip-A-Pay Loan Service Seasonal Skip-A-Pay program allowing qualifying members to skip a loan payment for a flat $25 per-loan processing fee (auto-deducted from the member's credit union account), up to two monthly payments per 12 months at CECU's discretion; not valid on mortgages, home equity, or credit cards.
• Wire Transfer and Western Union Wire Services Outgoing wire transfers and Western Union money-transfer services for members. Incoming wires from Millennium Corporate Credit Union are free to members.
• ACH (Automated Clearing House) Transfers ACH-based electronic credit/debit transfer capability for deposits, payments, insurance postings, and payroll, with same-day processing for requests entered by 1:30 PM.
• Youth Programs (Freddie Fox's Funding, Fun in Finances, Teen Titans) Three age-tiered youth financial literacy and engagement programs: Freddie Fox's Funding (up to age 9), Fun in Finances (ages 10-14), and Teen Titans (ages 15-20), each offering $5 birthday gifts and progressively more access to credit union services.
• Call 24 Telephone Banking Toll-free 24/7 automated telephone banking service (833-570-8693) allowing members to check balances and conduct banking transactions using account number and PIN.

Quantifiable outcome

• 9,300+ members, $173M+ in assets, $118M+ in loans, $157M in share deposits
• +4 more outcomes

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

AI capability3 records

Feature8 records

Partnerships

14 partnerships are on record, tiered core/flagship, minor and not applicable - third-party news item.

• CO-OP Shared Branching / Co-op Credit Union networkcore/flagshipChannel Partner/ Reseller/ DistributorConservation Employees' Credit Union participates in the Credit Union Shared Branch Network, giving members access to nearly 5,600 shared branch locations worldwide for deposits, withdrawals, fund transfers, loan payments, money orders, and more. CECU also partners with the Co-op ATM network to offer over 30,000 surcharge-free ATMs to its membership.
• TruStagecore/flagshipGTM or Marketing PartnerInsurance partnership offering free $1,000 Accidental Death & Dismemberment coverage to all CECU members, plus member-discounted Auto & Home Insurance and competitive Term and Whole Life Insurance products accessed via the TruStage website and dedicated phone lines (855-612-7910, 1-877-514-2920, 1-877-609-9509).
• SavvyMoney (Credit Sense)core/flagshipTechnology or IntegrationPowered-by partnership integrating SavvyMoney's credit-score and monitoring product, branded as 'Credit Sense', directly into CECU's Virtual Branch online banking and mobile app. Members receive free monthly credit scores (soft pull via TransUnion), full TransUnion credit reports, and daily monitoring alerts for credit, address, and employment changes.
• CUNA Mutual Groupcore/flagshipOEM/ Whitelabel/ Licensing PartnerProvider of optional Debt Protection coverage (LifePlus, Disability, Involuntary Unemployment) on consumer loans, home equity lines of credit, and credit cards. Claims are filed through the My Claim Portal (Contract Number 02405470) or via 1-800-621-6323 with a CUNA Mutual Group Claims Specialist.
• Visacore/flagshipTechnology or IntegrationCard network partner for CECU Visa Credit Card and Visa Debit Card programs. Provides 24/7 emergency card replacement and cash disbursement (1-800-847-2911), a cardholder rewards program (1 point per $1 spent, valid 2 years), and the 6.0% APR 18-month balance transfer promotion.
• Zelle (Early Warning Services)core/flagshipTechnology or IntegrationPerson-to-person payment service embedded in CECU's online banking Bill Pay and mobile app, enabling members to send, request, split, and receive money using email or U.S. mobile number, with typical settlement in minutes.
• GrooveCarcore/flagshipGTM or Marketing PartnerAuto buying and refinancing platform accessed via cecuonline.groovecar.com. Members can shop for vehicles, get pre-approved, look up JD Power values, and refinance existing auto loans, integrating CECU's vehicle lending directly with the dealer/shopper experience.
• CARFAXminorGTM or Marketing PartnerCECU offers CARFAX vehicle history reports to members for a minimal fee, including the Buy Back Guarantee, to protect buyers from unknown salvage/flood titles, collision history, or significant mechanical malfunction.
• Route 66 Extended Service ContractsminorOEM/ Whitelabel/ Licensing PartnerProvider of extended vehicle service contracts offered through CECU loan officers at vehicle financing, with nationwide U.S. and Canadian coverage, towing/rental reimbursement, direct payment to repair facilities, and emergency roadside service.
• Federal Home Loan Bank (FHLB Home$tart)core/flagshipStrategic or Co-development PartnerCECU has partnered with the Federal Home Loan Bank to offer a Mortgage Assistance Program that can provide members with up to $5,000, and in some cases up to $10,000, in Federal Grant money to help with the cost of a mortgage.
• Mortgage Solutionscore/flagshipChannel Partner/ Reseller/ DistributorFixed-rate mortgages (including secondary residences and investment properties) originate and close through Mortgage Solutions at conservation.mymortgage-online.com, with automated payment from CECU accounts.
• Apple Pay / Google Paycore/flagshipTechnology or IntegrationTokenization/wallet integrations allowing CECU debit and credit cards to be added to the Apple Wallet app on iPhone or Google Pay app on Android, enabling contactless payment at supported merchants.
• Symapp (Jack Henry & Associates hosted application)core/flagshipTechnology or IntegrationPowered-by partner for CECU's online loan application portal at cecuonline.symapp.jhahosted.com, used for loan applications, membership applications, and credit card applications.
• Pennsylvania State Employees Credit Union (PSECU)not applicable - third-party news itemOthersReference appears in a separate news article published 2026-02-10 by prweb about PSECU partnering with Credit Union Leasing of America (CULA) to offer vehicle leasing solutions. Not a direct CECU partnership.

Scale indicators9 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Anheuser-Busch Employees' Credit Union (ABECU): Missouri-based employer-affiliated credit union founded to serve Anheuser-Busch employees and family members. Highly comparable to CECU as a single-employer common-bond Missouri credit union with a defined family-extension membership model.
• University of Missouri Credit Union (UMCU): Missouri credit union serving University of Missouri employees, students, alumni, and family members. Closely analogous common-bond-plus-family-extension structure within Missouri, with overlapping consumer deposit and lending products.
• First Missouri Credit Union: Missouri-based community credit union serving multiple employer and community groups with similar deposit, consumer lending, and mortgage products. Comparable scale and member-funded cooperative model.

Broad incumbents

• Connexus Credit Union: National employer-affiliated credit union offering consumer deposits, lending, and credit cards via digital channels. Comparable cooperative structure and reliance on shared/partner distribution to extend reach beyond a single branch footprint.
• Together Credit Union: Large Missouri/Illinois credit union formed from multiple credit union mergers, offering a similar consumer deposit and lending suite but at materially larger asset scale. Represents the scaled, multi-charter incumbent alternative for Missouri consumers.
• Vantage Credit Union: Missouri-headquartered credit union offering full-service consumer banking, mortgages, and credit cards across the St. Louis region. Overlaps directly with CECU's consumer deposit, lending, and Missouri real-estate lending footprint at larger scale.
• Scott Credit Union: Regional credit union serving the St. Louis metro and southern Illinois with consumer deposits, lending, mortgages, and digital banking. Comparable product set, larger scale, and overlapping geographic adjacency to CECU's Missouri member base.
• Boeing Employees Credit Union (BECU): Large employer-based credit union originally serving Boeing employees, now open to broader community membership. Demonstrates the scaled evolution path for an employer-charter credit union and provides a structural — if much larger — benchmark.
• Alltru Credit Union: St. Louis-area community credit union (formerly Electro Savings Credit Union) serving employer groups and broader community membership with similar consumer and mortgage products. Comparable member-funded cooperative model at larger scale.

Others

• Missouri Credit Union League: State trade association representing Missouri credit unions, including CECU. Not a direct competitor but a key industry body providing regulatory advocacy, shared services, and operational support that materially shape CECU's operating environment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/conservationcu
• Xx.com/CECU_MO
• LinkedInlinkedin.com/company/conservation-employees-credit-union

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 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 Conservation Employees Credit Union